Al Baraka Carsaaz
Type
- Islamic Car Financing
Payment Structure
- Flexible installment-based repayment with a maximum tenure of 5 years.
Eligibilty
- Salaried individuals, self-employed individuals, and business owners.
Compliance
- Fully Shariah-compliant as it uses the Islamic contract of Diminishing Musharakah​
Al Baraka Green Energy Solar Financing
Type
- Islamic Solar Panel Financing
Payment Structure
- Monthly installments over a defined tenure based on the financing amount.
Eligibilty
- Available for both individuals and businesses.
Compliance
- Fully Shariah-compliant with the use of Islamic financing contracts such as Musharakah​
Secured Purpose Finance
Type
- Secured Loan
Payment Structure
- Structured monthly payments with flexible terms based on the loan purpose.
Eligibilty
- Available for individuals, SMEs, and corporations.
Compliance
- Shariah-compliant finance structure Diminishing Musharakah or Murabaha, depending on the purpose
Mera Pakistan Mera Ghar
Type
- Home Financing
Payment Structure
- Monthly payments based on the principal financed amount, with various tenure options.
Eligibilty
- Available to salaried individuals, business owners, and self-employed individuals with a valid source of income.
Compliance
- Fully Shariah-compliant using Diminishing Musharakah
Rahnuma Travel Services
Type
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- Travel Financing
Payment Structure
- Monthly payments for travel-related expenses.
Eligibilty
- Individuals planning to travel, with certain conditions for financing.
Compliance
- Shariah-compliant financing options for travel services
Corporate Investment Banking
Type
- Corporate Financing
Payment Structure
- Flexible repayment schedules with interest-free Islamic banking options.
Eligibilty
- Corporations, large enterprises, and institutional clients.
Compliance
- Uses Islamic financing principles such as Ijarah and Musharakah
SME Banking
Type
- Financing for Small and Medium Enterprises
Payment Structure
- Flexible, based on business cash flow and loan amount.
Eligibilty
- Registered SMEs in Pakistan with a viable business plan and repayment ability.
Compliance
- Fully Shariah-compliant with products like Murabaha and Musharakah
Agricultural Finance
Type
- Agricultural Financing
Payment Structure
- Customizable repayment plans based on agricultural cycles.
Eligibilty
- Farmers, agribusiness owners, and agricultural institutions.
Compliance
- Shariah-compliant, offering financing without interest.
Diminishing Musharakah Fleet Financing
Type
- Islamic fleet financing for business vehicle acquisition.
Payment Structure
- Flexible repayment terms, with financing diminishing over time as ownership is transferred.
Eligibilty
- Businesses and enterprises needing fleet vehicles.
Compliance
- Fully Shariah-compliant
Prime Minister’s Kamyab Jawan Program
Type
- Government-supported Youth Financing Program
Payment Structure
- Structured repayment over several years.
Eligibilty
- Pakistani youth under 40, with educational and entrepreneurial requirements.
Compliance
- Shariah-compliant with the use of Islamic financing principles​