Employee Banking Services

BankIslami Corporate Employee Banking is a solution that offers professional guidance and support to employees of our corporate, SME and commercial customers. It is a customizable employee banking solution focused to streamline salary disbursals for organizations and meeting the financial needs of their employees through Shariah compliant products. It is suitable for small as well as large businesses.

Hassle free on-site bulk account opening, account activation with debit card delivery, salary digitization and customized reporting provide unmatched convenience for employers. Current and Saving account types are available with a host of features to cater to the financial needs of diverse customer segments.

BankIslami-Employee Banking Services is a one-stop solution, where small, medium and corporate companies can be offered with an array of facilities, for their payroll management, starting from employees’ on-site account opening to electronic payroll disbursals to fulfilling employees financial needs through customized and Shariah compliant solutions.


Benefits for Employer/Company:

  • Efficient salary transfer mechanism with real time update and transfer facility using LinkIslami (corporate internet banking portal)
  • Hassle-free bulk account opening process
  • Real time up-to-date MIS reports and alerts
  • Reduced payroll handling cost
  • Reduced salary disbursal turnaround time (TAT)
  • Dedicated Relationship Manager


Benefits for Employees:

  • Islami Saving Account or Current Account facility
  • On-site account opening & delivery of Cheque Book/Debit Card
  • No initial deposit required
  • Free Bank Statement and Certificates
  • No minimum balance required
  • Free online intercity transactions
  • Free internet & Mobile Banking Services
  • Free Debit card
  • Free SMS Alerts
  • Free Cheque Book
  • Free e-Statement facility
  • Free Pay-Order


Other Privileges:

  • One Touch Banking
  • A full suite of Internet Banking Services
  • Bill payments via BankIslami’s ATMs
  • A Holistic Islamic Banking platforms offered through 340+ branches network in 123+ cities
  • Locker facility (subject to availability)


Products-Bundle Offering


Auto Finance

  • Based on Shariah concept of Diminishing Musharakah
  • Auto Finance on preferential rates
  • Quick Processing Time– Same day approval
  • Privileged Takaful rate(s)
  • Sahulat Plan (Residual Value) option available
  • For further details, hyperlink to Auto Financing


Muskan Home Finance

  • Based on Shariah concept of Diminishing Musharakah
  • Home Finance on preferential rates
  • Maximum Financing against property value
  • Flexible payment options
  • Flexibility to make partial prepayment
  • For further details, hyperlink to Muskan Financing


Bike Financing

  • Shariah Compliant Bike Financing Scheme, based on Shariah concept of Musawamah
  • Flexible Payment Options for 1,2 and 3 years
  • Financing limit PKR 35,000 to 300,000
  • Minimum Down Payment – 15%
  • Low Monthly Payment


Consumer Durables

  • Shariah Compliant Consumer Durable Financing, based on Shariah concept of Musawamah
  • Flexible Payment Plan for 6 to 36 months
  • Minimum Down Payment – 15%
  • Financing limit PKR 35,000 to 2,000,000
  • Low Monthly Payment


Takaful Products

  • Takaful saving plans and health cards subject to available product line on prevailing pricing.
  • For further details, hyperlink to Takaful Products


Step by Step Guide for Bike and Durable Financing


Step # 1: Select product from product list provided by Bank or from Daraz Mall


Step # 2: Obtain Application and Declaration Form from your company’s HR/ Admin or from BankIslami


Step # 3: Fill Application Form and provide below listed documents to your company’s HR/Admin or directly to BankIslami Employee Banking Department

  1. Copy of CNIC
  2. Last Three months’ salary slip
  3. Employment Letter (confirming tenure, designation and salary)
  4. Last six months bank statement (required only if not maintaining account in BankIslami)
  5. Declaration of financing


Step # 4: Once case is approved and confirmed by the bank, you need to deposit documentation charges and minimum down payment in your account maintained in BankIslami


Step # 5: Accept and sign minimum documents like Offer Letter, Key Fact Sheet and Musawamah Agreement


Step # 6: Get your desired product. For durable goods, vendor will deliver product at your doorstep. For Bike, Bank will advise you to get delivery from selected locations.

Head Office
11th Floor, Executive Tower, Dolmen City, Marina Drive, Block-4, Clifton, Karachi.
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