Alfalah Islamic Green Finance
Type
- Consumer Financing
Payment Structure
- Flexible monthly installment plans based on the financing amount.
Eligibilty
- Salaried or self-employed individuals with a steady income.
Compliance
- Fully Shariah-compliant under Murabaha-based contracts.
Alfalah Roshan Apni Car
Type
- Auto Financing
Payment Structure
- Monthly installments over a tenure of 1-7 years.
Eligibilty
- Roshan Digital Account holders; valid income proof required.
Compliance
- Shariah-compliant Ijarah (leasing) structure.
RDA – Roshan Apna Ghar
Type
- Home Financing
Payment Structure
- Tenure of up to 25 years with variable or fixed rates.
Eligibilty
- Pakistani expatriates with a Roshan Digital Account.
Compliance
- Diminishing Musharakah mode adhering to Islamic principles.
Alfalah Home Musharakah
Type
- Home Financing
Payment Structure
- Monthly or quarterly installments; tenure up to 20 years.
Eligibilty
- Salaried or self-employed individuals meeting bank criteria.
Compliance
- Shariah-compliant Diminishing Musharakah contract.
Alfalah Ghar Asaan
Type
- Home Financing
Payment Structure
- Small installments spread over flexible tenures.
Eligibilty
- Middle-income individuals with consistent earnings.
Compliance
- Diminishing Musharakah basis for compliance.
Alfalah Islamic Auto Finance
Type
- Auto Financing
Payment Structure
- Monthly installments with tenure ranging from 1 to 5 years.
Eligibilty
- Salaried and business individuals with a steady financial profile.
Compliance
- Shariah-compliant Ijarah principles.
Supply Chain Finance
Type
- Corporate Financing
Payment Structure
- Structured financing solutions based on operational cash flow.
Eligibilty
- Corporates with established supply chains and verified credit.
Compliance
- Compliant with Shariah guidelines for trade and receivables financing.
Working Capital Finance
Type
- Corporate Financing
Payment Structure
- Revolving or non-revolving facilities tailored to working capital needs.
Eligibilty
- Companies requiring liquidity for day-to-day operations.
Compliance
- Murabaha or Ijarah-based financing.
Project Financing & Expansion BMR
Type
- Corporate Financing
Payment Structure
- Long-term structured payment schedules tied to project milestones.
Eligibilty
- Corporates with viable business expansion projects.
Compliance
- Fully Shariah-compliant project evaluation.
Islamic Refinance Credit Guarantee Scheme for Women Entrepreneurs (IRCGS-WE)
Type
- SME Financing
Payment Structure
- Low-markup financing with flexible repayment terms.
Eligibilty
- Women entrepreneurs with small to medium enterprises.
Compliance
- Compliant with Shariah-approved schemes.
Islamic SME Asaan Finance
Type
- SME Financing
Payment Structure
- Tenure-based payments tailored for SME needs.
Eligibilty
- SMEs meeting minimum documentation and credit criteria.
Compliance
- Murabaha or Musharakah structures under Islamic laws.
Islamic Financing Facility for Storage of Agricultural Produce (IFFSAP)
Type
- Agri Financing
Payment Structure
- Flexible payments based on the agricultural produce cycle.
Eligibilty
- Agri-businesses and farmers with storage needs.
Compliance
- Fully compliant with Islamic trade finance principles.
Prime Minister’s Kamyab Jawan Youth Entrepreneur Scheme
Type
- SME Financing
Payment Structure
- Low-cost financing with subsidized rates.
Eligibilty
- Youth between 21-45 years owning small businesses.
Compliance
- Fully compliant with Islamic trade finance principles.
Islamic Export Refinance Scheme (IERS)
Type
- Corporate Financing
Payment Structure
- Structured facilities for exporters with repayment based on export cycles.
Eligibilty
- Exporters with viable trade and credit history.
Compliance
- Fully Shariah-compliant trade financing principles.
Islamic Long-Term Financing Facility (ILTFF)
Type
- Corporate Financing
Payment Structure
- Long-term financing solutions for large-scale projects.
Eligibilty
- Corporates requiring large-scale funding for long-term projects.
Compliance
- Fully compliant with Islamic project financing guidelines.
Islamic Financing Facility for Renewable Energy (IFRE)
Type
- Corporate Financing
Payment Structure
- Low-cost financing for renewable energy projects.
Eligibilty
- Companies with renewable energy projects.
Compliance
- Fully compliant with Shariah-approved financing for sustainable energy.
Islamic Refinance Facility for Modernization of SMEs (IRFMS)
Type
- SME Financing
Payment Structure
- Financing for the modernization of SME machinery and operations.
Eligibilty
- SMEs with a focus on modernization and growth.
Compliance
- Fully compliant with Islamic financial principles.
Alfalah Islamic Agri Financing
Type
- Agri Financing
Payment Structure
- Financing solutions for various agricultural activities with flexible payments.
Eligibilty
- Agriculturists and agri-businesses with solid financial history.
Compliance
- Murabaha-based financing for farm equipment, machinery, etc.
Short-Term Financing Solutions
Type
- SME Financing
Payment Structure
- Short-term loans with a flexible repayment structure.
Eligibilty
- SMEs needing quick working capital.
Compliance
- Murabaha-based financing, compliant with Islamic finance laws.
Long-Term Financing Solutions
Type
- SME Financing
Payment Structure
- Long-term loans with extended repayment tenures.
Eligibilty
- Established SMEs with long-term growth projects.
Compliance
- Fully compliant with Islamic principles of finance.