Working Capital Financing
Type
- Murabaha, Istisna
Payment Structure
- Structured as per agreement
Eligibilty
- Businesses requiring short-term financing solutions.
Compliance
- Shari’ah-compliant
Medium to Long-Term Financing
Type
- Diminishing Musharakah, Ijarah
Payment Structure
- Structured as per agreement.
Eligibilty
- Businesses seeking medium to long-term financing for fixed assets.
Compliance
- Shari’ah-compliant
SBP Refinancing Schemes
Type
- Various Options
Payment Structure
- Concessionary rates as per SBP guidelines
Eligibilty
- Export-oriented businesses and projects in renewable energy, storage of agricultural produce, etc.
Compliance
- Shari’ah-compliant
Government Schemes
Type
- Various Options
Payment Structure
- As per specific scheme guidelines
Eligibilty
- Businesses eligible under various government-initiated financing schemes.
Compliance
- Shari’ah-compliant
Trade Services
Type
- Musharakah
Payment Structure
- Structured as per trade service agreements
Eligibilty
- Businesses engaged in import/export and requiring trade-related financial services.
Compliance
- Shari’ah-compliant
Short-Term Financing Products
Type
- Murabaha, Musawamah, Istisna, Salam, Musharakah Running Finance
Payment Structure
- Structured as per agreement
Eligibilty
- Corporate/MNCs requiring short-term working capital solutions.
Compliance
- Shari’ah-compliant
Long-Term Financing Products
Type
- Diminishing Musharakah, Ijarah
Payment Structure
- Structured as per agreement
Eligibilty
- Businesses seeking financing for fixed assets like plant, machinery, equipment, etc.
Compliance
- Shari’ah-compliant
Solar Energy Solution Finance for Domestic Needs
Type
- Diminishing Musharakah
Payment Structure
- Equal Monthly Installments
Eligibilty
- Pakistani Resident Nationals; Salaried Individuals with minimum monthly net salary of PKR 60,000
- Self-Employed Individuals with minimum monthly net income of PKR 100,000; Age between 25-65 years (Primary Applicant) and 22-70 years (Joint-Applicant)
- Employment/Business Length: 2 years (Salaried), 3 years (Self-employed).
Compliance
- Shari’ah-compliant
Rihayesh Finance (Home Financing)
Type
- Diminishing Musharakah
Payment Structure
- Equal Monthly Installments
Eligibilty
- Pakistani Resident Nationals; Salaried Individuals with minimum monthly net salary of PKR 100,000; Self-Employed Individuals with minimum monthly net income of PKR 200,000
- Age between 25-65 years (Primary Applicant) and 22-70 years (Joint-Applicant)
- Employment/Business Length: 2 years (Salaried), 3 years (Self-employed).
Compliance
- Shari’ah-compliant
MICAR (Auto Financing)
Type
- Diminishing Musharakah, Ijarah
Payment Structure
- Equal Monthly Installments/Rentals
Eligibilty
- Salaried Individuals with minimum monthly net salary of PKR 40,000
- Self-Employed Individuals with minimum monthly net income of PKR 50,000
- Age between 25-60 years (Salaried) and 25-70 years (Self-Employed)
- Employment: 3 months (Salaried), 24 months (Self-employed).
Compliance
- Shari’ah-compliant