Details

Pakistan Mein Pehli Baar — Islamic Gold-Based Financing

Meet your dire financial needs with BankIslami Gold-Based Financing, a Shariah-compliant financing solution that allows you to obtain financing against the pledge of your gold, while your gold remains securely held by the Bank.

Designed for individuals seeking a Halal alternative to conventional financing, this facility provides liquidity for essential personal needs with transparency, security, and peace of mind.

About BankIslami’s Gold-Based Financing

Gold-Based Financing is a Shariah-compliant consumer financing facility, structured in accordance with Islamic principles and approved by BankIslami’s Shariah Board.

Under this facility, customers may obtain financing against the value of their gold for genuine and approved personal needs, while ownership of the pledged gold remains protected and securely held by the Bank until settlement.

This product serves as an Islamic alternative to conventional gold loans and interest-based financing.

Why Choose BankIslami Gold-Based Financing?

• 100% Shariah-Compliant Structure
  Based on Tawarruq, approved by the Bank’s Shariah Board.
• Instant Liquidity Against Gold
  Finance up to 70% of your gold’s net value.
• Secure Custody
  Your gold is safely stored in BankIslami’s secured vaults.
• Flexible Tenure
  Payment options ranging from 1 to 4 years.
• No Usage Restrictions (Within Shariah Limits)
  Financing for genuine and dire personal needs.

Financing Details

• Financing Amount:
  PKR 250,000 up to PKR 5,000,000*
• Bank Investment Ratio (BIR):
  Up to 70% of net gold value*
• Tenure:
  1 to 4 Years
• Profit Rate:
  Benchmark-linked (as communicated in the Offer Letter)
• Charges:
  Processing and valuation charges as per the Bank’s Schedule of Charges

*Terms & Conditions apply.