Hajj aur Umrah ki Manzil Hui Aasaan

1. Save Now – Travel Later (Hajj & Umrah Savings Plan)
   A disciplined, long-term savings solution to help you plan your pilgrimage comfortably.

   اہم خصوصیات

   • Tenure ranging from 1 to 20 years
   • Minimum investment: PKR 24,000 per annum
   • Contribution options: Monthly / Quarterly / Semi-Annual / Annual
   • Halal profit under Mudarabah-based structure. Weightages and profit rates are announced monthly (profit is not guaranteed and depends on declared weightages)
   • Premature encashment allowed (no penalty / no profit adjustment)
   • Two partial withdrawals permitted during tenure

   Ideal For:

   • Individuals planning Hajj in the next few years
   • Families creating structured savings for future Umrah trips
   • Customers seeking disciplined, Shariah-compliant deposit growth

   Important Note: Future Hajj and Umrah costs may vary due to inflation, currency fluctuations, regulatory changes, or international travel policies. Customers are advised to periodically review and adjust their savings targets accordingly.

2. Pay Now – Travel Now (Upfront Payment Facility)
   For customers ready to travel immediately with market-competitive packages.

1. Customer selects Hajj or Umrah package from an authorized tour operator
2. Required package amount is deposited with the Bank
3. Bank issues a Payment Order (PO) in favor of the selected authorized tour operator
4. Dedicated assistance provided through tour operator representatives in Pakistan and KSA

Hajj and Umrah-related services, packages, visas, travel arrangements, and accommodations are offered and managed by approved third-party service providers and relevant authorities.
The Bank acts as a Wakeel (Agent) between the customer and the selected travel & tour operator.

• The Bank facilitates payment collection and issuance to the authorized vendor.
• The arrangement, execution, travel logistics, and service delivery are the responsibility of the respective tour operator.
• The Bank does not guarantee visa issuance.
• All arrangements remain subject to regulatory permissions, partner terms, and applicable policies.

Refund & Cancellation Policy

Cancellation charges (if applicable) after airline ticket issuance, hotel bookings, or transportation arrangements will be applied by the respective tour operator as per:

• Airline cancellation policies
• Hotel booking terms (including non-refundable conditions in certain packages)
• Vendor-specific contractual terms

Customers will be informed of applicable cancellation policies prior to booking confirmation.

Key Highlights:

• Market competitive packages from top tour operators
• 24/7 assistance during travel (through tour operator)
• Structured and secure payment handling via Bank

BankIslami Humsafar collaborates with reputable and experienced Hajj & Umrah operators to ensure a seamless pilgrimage experience:

• Universal Brothers (Pvt.) Ltd.
• Masarat Group

These partnerships enable customers to access professionally managed travel arrangements while banking securely with BankIslami

• 100% Shariah-compliant structure
• Transparent Mudarabah-based profit mechanism
• Clearly defined Wakeel-based facilitation model
• Flexible savings & immediate travel options
• Secure handling of pilgrimage funds
• Reputable and approved travel partners
• Defined complaint handling mechanism

• Pakistani residents (individual account holders)
• Individuals planning Hajj or Umrah
• Customers seeking structured, Halal financial solutions for religious travel

Visit your nearest BankIslami branch or contact us to learn more about how Humsafar can help you plan your Hajj or Umrah with ease and peace of mind.

For any queries, concerns, or service-related matters regarding Humsafar, customers may contact the Hajj & Umrah Department – Products Division, BankIslami Pakistan Limited.
Customers may also refer to the Bank’s Complaint Handling & Fair Treatment of Customers framework available on the Bank’s website.