{"id":286,"date":"2017-04-01T15:22:25","date_gmt":"2017-04-01T15:22:25","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=286"},"modified":"2025-05-16T12:08:31","modified_gmt":"2025-05-16T07:08:31","slug":"islami-amdani-certificate","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/islami-amdani-certificate\/","title":{"rendered":"Islami Amdani Certificate"},"content":{"rendered":"<section id=\"bt_bb_section6a211badce20e\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal\"  data-bt-override-class=\"null\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row\"  data-bt-override-class=\"{}\"><div class=\"bt_bb_row_holder\" ><div  class=\"bt_bb_column col-xl-12 col-xs-12 col-sm-12 col-md-12 col-lg-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_small\" data-bt-override-class=\"null\"><\/div><div class=\"bt_bb_accordion bt_bb_style_outline bt_bb_shape_square\"><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>Now you can enjoy Halal profits on\u00a0 maturity with the Islami Amdani Certificates. It is a Mudarabah based product which allows you to earn the best profit rates through the investments made by our experts.\u00a0 Islami Amdani Certficate will provide you with security, convenience and flexibility of investment tenure to suit your needs.<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>\u0645\u0641\u062a \u0627\u0646\u0679\u0631\u0646\u06cc\u0679 \u0628\u06cc\u0646\u06a9\u0646\u06af \u0633\u0631\u0648\u0633\u06d4<\/li>\n<li>\u0645\u06cc\u0644 \u0627\u0648\u0631 \u0627\u0633\u0679\u0627\u067e \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u0631\u06a9\u06be\u06cc\u06ba\u06d4<\/li>\n<li>\u0633\u06cc\u0641 \u0688\u067e\u0627\u0632\u0679 \u0644\u0627\u06a9\u0631\u0632\u06d4<\/li>\n<li>\u067e\u0627\u06a9 \u0631\u0648\u067e\u06cc\u06c1 \u0645\u06cc\u06ba \u062f\u0633\u062a\u06cc\u0627\u0628 \u06c1\u06d2\u06d4<\/li>\n<li>\u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc \u06a9\u06cc \u0645\u062f\u062a 1 \u060c 3 \u0627\u0648\u0631 6 \u0645\u0627\u06c1 \u0627\u0648\u0631 1 \u060c 2 \u060c 3 \u0627\u0648\u0631 5 \u0633\u0627\u0644 \u06c1\u06d2<\/li>\n<li>\u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc \u06a9\u06cc \u06a9\u0645 \u0633\u06d2 \u06a9\u0645 \u0631\u0642\u0645 \u0631\u0648\u067e\u06d2 \u06c1\u06d2\u06d4 \u0635\u0631\u0641 10\u060c000 \/ -<\/li>\n<li>Profit\/loss payment on\u00a0 maturity date<\/li>\n<li>\u067e\u062e\u062a\u06af\u06cc \u062a\u0627\u0631\u06cc\u062e \u067e\u0631 \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc \u06a9\u06cc \u0631\u0642\u0645 \u06a9\u06cc \u0627\u062f\u0627\u0626\u06cc\u06af\u06cc\u06d4<\/li>\n<li>\u0628\u0691\u06d2 \u0630\u062e\u06cc\u0631\u06c1 \u0627\u0646\u062f\u0648\u0632\u0648\u06ba \u06a9\u06d2 \u0644\u0626\u06d2 \u062a\u0641\u0631\u06cc\u0642 \u0627\u0648\u0631 \u0645\u062e\u0635\u0648\u0635 \u067e\u0648\u0644 \u0645\u062e\u062a\u0635\u06d4<\/li>\n<li>\u0645\u0627\u06c1 \u06a9\u06d2 \u0622\u063a\u0627\u0632 \u0645\u06cc\u06ba \u0645\u0646\u0627\u0641\u0639 \u06a9\u06cc \u0634\u0631\u062d\u0648\u06ba \u06a9\u0627 \u0627\u0639\u0644\u0627\u0646<\/li>\n<li>\u0642\u0628\u0644 \u0627\u0632 \u0648\u0642\u062a \u0627\u0646\u06a9\u0634\u0645\u0646\u0679 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a \u062f\u0633\u062a\u06cc\u0627\u0628 \u06c1\u06d2\u06d4 \u0627\u06cc\u0633\u06cc \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba \u060c \u0627\u0633\u06cc \u0645\u062f\u062a \u06a9\u06cc \u0634\u0631\u062d \u0644\u0627\u06af\u0648 \u06c1\u0648\u06af\u06cc \u060c \u062c\u0628 \u062a\u06a9 \u06a9\u06c1 \u062f\u0648\u0633\u0631\u06cc \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba \u0628\u06cc\u0627\u0646 \u0646\u06c1 \u06a9\u06cc\u0627 \u062c\u0627\u0626\u06d2\u06d4<\/li>\n<li>Round the clock phone Banking through 111-ISLAMI (475-264)<\/li>\n<li>\u06a9\u0633\u0679\u0645\u0631 \u0631\u06cc\u0644\u06cc\u0634\u0646\u0634 \u0622\u0641\u06cc\u0633\u0631\u0632 \u06a9\u06cc \u0630\u0627\u062a\u06cc \u062e\u062f\u0645\u062a\u06d4<\/li>\n<li>\u0645\u0641\u062a \u0686\u06be \u0645\u0627\u06c1\u0627\u0646\u06c1 \u0627\u06a9\u0627\u0624\u0646\u0679 \u0627\u0633\u0679\u06cc\u0679\u0645\u0646\u0679 \u06a9\u06cc \u0633\u06c1\u0648\u0644\u062a\u06d4<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">How It Works?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>BankIslami&#8217;s Islami Amadni Certificate is a profit bearing account developed on the basis of the modes of Mudarabah. This is how it works:<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>You provide funds to the Bank on Mudaraba basis for investment in the Bank\u2019s Shariah Compliant Assets<\/li>\n<li>\u0627\u0633 \u0627\u06c1\u062a\u0645\u0627\u0645 \u0645\u06cc\u06ba \u060c \u0622\u067e \u0627\u06cc\u06a9 \u0631\u0628 \u0627\u0644\u0645\u0627\u0644 (\u0645\u062f\u0628\u0627\u0631 \u0645\u06cc\u06ba \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631) \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u06a9\u0627\u0645 \u06a9\u0631\u06cc\u06ba \u06af\u06d2 \u0627\u0648\u0631 \u0628\u06cc\u0646\u06a9 \u0645\u062f\u0627\u0631\u0628 \u06a9\u06cc \u062d\u06cc\u062b\u06cc\u062a \u0633\u06d2 \u06a9\u0627\u0645 \u06a9\u0631\u06d2 \u06af\u0627\u06d4<\/li>\n<li>The Bank will form a pool of customers\u2019 funds<\/li>\n<li>\u06cc\u06c1 \u067e\u0648\u0644 \u0645\u062e\u062a\u0644\u0641 \u0627\u0641\u0631\u0627\u062f \u060c \u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0679 \u060c \u062d\u06a9\u0648\u0645\u062a \u0627\u0648\u0631 \u062f\u06cc\u06af\u0631 \u0627\u062f\u0627\u0631\u0648\u06ba \u06a9\u0648 \u0645\u0627\u0644\u06cc\u062a \u0641\u0631\u0627\u06c1\u0645 \u06a9\u0631\u062a\u0627 \u06c1\u06d2 \u062c\u0648 \u0645\u062e\u062a\u0644\u0641 \u0627\u0633\u0644\u0627\u0645\u06cc \u0637\u0631\u06cc\u0642\u0648\u06ba \u062c\u06cc\u0633\u06d2 \u0645\u0631\u0627\u0628\u0627\u06c1 \u060c \u0627\u062c\u0627\u0631\u06c1 \u060c \u0645\u0634\u0627\u0631\u06c1 \u060c \u0645\u062f\u0631\u0628\u06c1 \u0627\u0648\u0631 \u062f\u06cc\u06af\u0631 \u0637\u0631\u06cc\u0642\u0648\u06ba \u067e\u0631 \u0645\u0628\u0646\u06cc \u06c1\u06d2 \u0627\u0648\u0631 \u0622\u0645\u062f\u0646\u06cc \u067e\u06cc\u062f\u0627 \u06a9\u0631\u06d2 \u06af\u06cc\u06d4<\/li>\n<li>\u0628\u06cc\u0646\u06a9 \u06a9\u06d2 \u0645\u0646\u0627\u0641\u0639 \u0648\u0627\u0644\u06d2 \u062d\u0635\u06d2 \u06a9\u0648 \u0645\u062f\u0627\u0631\u06cc\u0628 \u06a9\u0627 \u062d\u0635\u06c1 \u06a9\u06c1\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2\u06d4 \u0628\u06cc\u0646\u06a9 \u0627\u0648\u0631 \u0688\u067e\u0627\u0632\u0679\u0631\u0632 \u06a9\u06d2 \u0645\u0627\u0628\u06cc\u0646 \u0645\u0646\u0627\u0641\u0639 \u06a9\u06cc \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0627 \u062a\u0646\u0627\u0633\u0628 \u0645\u0627\u06c1 \u06a9\u06d2 \u0622\u063a\u0627\u0632 \u0645\u06cc\u06ba \u0637\u06d2 \u06c1\u0648\u062a\u0627 \u06c1\u06d2\u06d4<\/li>\n<li>The profit share of the Bank is called the Mudarib&#8217;s share. This profit sharing ratio between the Bank and the Depositors is determined at the beginning of the month<\/li>\n<li>\u062c\u0645\u0639 \u06a9\u0631\u0627\u0646\u06d2 \u0648\u0627\u0644\u0648\u06ba \u06a9\u0627 \u0645\u0646\u0627\u0641\u0639 \u062d\u0635\u06c1 \u0645\u0627\u06c1 \u06a9\u06d2 \u0622\u063a\u0627\u0632 \u0645\u06cc\u06ba \u0645\u062e\u062a\u0635 \u06a9\u0631\u062f\u06c1 \u067e\u06c1\u0644\u06d2 \u0633\u06d2 \u0637\u06d2 \u0634\u062f\u06c1 \u0648\u0632\u0646 \u067e\u0631 \u0645\u0628\u0646\u06cc \u06c1\u0648\u062a\u0627 \u06c1\u06d2\u06d4 \u0648\u0632\u0646 \u067e\u0631 \u0645\u0628\u0646\u06cc \u0645\u0646\u0627\u0641\u0639 \u06a9\u06cc \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0627 \u0637\u0631\u06cc\u0642\u06c1 \u06a9\u0627\u0631 \u06cc\u0642\u06cc\u0646\u06cc \u0628\u0646\u0627\u062a\u0627 \u06c1\u06d2 \u06a9\u06c1 \u0645\u0646\u0627\u0641\u0639 \u0627\u0648\u0631 \u0646\u0642\u0635\u0627\u0646 \u0645\u06cc\u06ba \u0634\u0631\u06cc\u06a9 \u06c1\u0648\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0645\u0639\u0627\u06c1\u062f\u06d2 \u0645\u06cc\u06ba \u06a9\u0633\u06cc \u0628\u06be\u06cc \u06a9\u0633\u0679\u0645\u0631 \u06a9\u0648 \u062f\u06cc \u062c\u0627\u0646\u06d2 \u0648\u0627\u0644\u06cc \u0648\u0627\u067e\u0633\u06cc \u062e\u0637\u0631\u06d2 \u06a9\u06d2 \u0645\u062a\u0646\u0627\u0633\u0628 \u06c1\u06d2\u06d4<\/li>\n<li>\u0645\u062f\u0631\u0628\u06c1 \u06a9\u06d2 \u0642\u0648\u0627\u0639\u062f \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642 \u060c \u06a9\u0633\u06cc \u0646\u0642\u0635\u0627\u0646 \u06a9\u06cc \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba \u060c \u0627\u0633 \u06a9\u0627 \u0646\u0642\u0635\u0627\u0646 \u0635\u0631\u0641 \u0627\u0648\u0631 \u0635\u0631\u0641 \u0631\u0628 \u0627\u0644\u0645\u0627\u0644 \u06c1\u06cc \u0628\u0631\u062f\u0627\u0634\u062a \u06a9\u0631\u06d2 \u06af\u0627\u06d4 \u0627\u0633 \u0646\u0642\u0635\u0627\u0646 \u06a9\u0648 \u0645\u062e\u062a\u0644\u0641 \u0642\u0633\u0645 \u06a9\u06d2 \u0635\u0627\u0631\u0641\u06cc\u0646 \u06a9\u06d2 \u0645\u0627\u0628\u06cc\u0646 \u062a\u0642\u0633\u06cc\u0645 \u06a9\u06d2 \u0644\u062d\u0627\u0638 \u0633\u06d2 \u062a\u0642\u0633\u06cc\u0645 \u06a9\u06cc\u0627 \u062c\u0627\u0626\u06d2 \u06af\u0627\u06d4 \u0628\u06cc\u0646\u06a9 \u06a9\u0648 \u0628\u06be\u06cc \u0646\u0642\u0635\u0627\u0646 \u0627\u0679\u06be\u0627\u0646\u0627 \u067e\u0691\u062a\u0627 \u06c1\u06d2 \u06a9\u06cc\u0648\u0646\u06a9\u06c1 \u0627\u0633 \u06a9\u06cc \u06a9\u0648\u0634\u0634\u0648\u06ba \u06a9\u06d2 \u0645\u0642\u0627\u0628\u0644\u06c1 \u0645\u06cc\u06ba \u06a9\u0648\u0626\u06cc \u0622\u0645\u062f\u0646\u06cc \u0646\u06c1\u06cc\u06ba \u06c1\u0648\u062a\u06cc \u06c1\u06d2\u06d4<\/li>\n<\/ul>\n<p><strong>To Understand the Difference between Islami amadani certificate and conventional saving account kindly <span style=\"color: #1e407c;\"><a style=\"color: #1e407c;\" href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\">click<\/a><\/span><\/strong><\/p>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0641\u062a\u0648\u06cc\u0670<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>BankIslamis commitment to Shariah is strict and absolute. Islami Amadni Certificate is approved and verified by our Shariah Board. To view our Shariah Board&#8217;s approval of Islami Amadni Certificate, click on the following:<\/p>\n<div class=\"col-md-5 pdf_box\">\n<div class=\"col-md-2 nopadding\">\n<div class=\"pdf_img\"><a href=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2017\/04\/BIFatwaFlyer.pdf\"><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2021\/12\/pdf.png\" width=\"101\" height=\"101\" data-cke-saved-src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2021\/12\/pdf.png\" \/><\/a><\/div>\n<\/div>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u062f\u0633\u062a\u0627\u0648\u06cc\u0632<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<p>\u0645\u0637\u0644\u0648\u0628\u06c1 \u062f\u0633\u062a\u0627\u0648\u06cc\u0632\u0627\u062a \u06a9\u0633\u0679\u0645\u0631 \u06a9\u06d2 \u0627\u0642\u0633\u0627\u0645 \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642\u06d4<\/p>\n<div class=\"pad_left list_cst\">\n<ul>\n<li>\u062a\u0646\u062e\u0648\u0627\u06c1 \u0634\u062f\u06c1 \/ \u0645\u0634\u062a\u0631\u06a9\u06c1 \u0627\u06a9\u0627\u0624\u0646\u0679 \u06c1\u0648\u0644\u0688\u0631\u0632\u06d4\n<ul>\n<li>\u0627\u06a9\u0627\u0648\u0646\u0679 \u06a9\u06be\u0648\u0644\u0646\u06d2 \u06a9\u0627 \u0641\u0627\u0631\u0645\u06d4<\/li>\n<li>\u06a9\u0645\u067e\u06cc\u0648\u0679\u0631\u0627\u0626\u0632\u0688 \u0642\u0648\u0645\u06cc \u0634\u0646\u0627\u062e\u062a\u06cc \u06a9\u0627\u0631\u0688 (CNIC)<\/li>\n<li>\u067e\u0627\u0633\u067e\u0648\u0631\u0679 (\u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0633\u06d2 \u0628\u0627\u06c1\u0631 \u0631\u06c1\u0646\u06d2 \u0648\u0627\u0644\u0648\u06ba \u06a9\u06d2\u0644\u0626\u06d2)<\/li>\n<li>\u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u0627 \u062b\u0628\u0648\u062a (\u062a\u0646\u062e\u0648\u0627\u06c1 \u06a9\u06cc \u067e\u0631\u0686\u06cc \u060c \u0645\u0644\u0627\u0632\u0645\u062a \u06a9\u0627 \u062e\u0637 \u0648\u063a\u06cc\u0631\u06c1)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\u0648\u0627\u062d\u062f \u067e\u0631\u0648\u067e\u06cc\u0626\u0679\u0631\u06d4\n<ul>\n<li>\u0627\u06a9\u0627\u0648\u0646\u0679 \u06a9\u06be\u0648\u0644\u0646\u06d2 \u06a9\u0627 \u0641\u0627\u0631\u0645\u06d4<\/li>\n<li>\u06a9\u0645\u067e\u06cc\u0648\u0679\u0631\u0627\u0626\u0632\u0688 \u0642\u0648\u0645\u06cc \u0634\u0646\u0627\u062e\u062a\u06cc \u06a9\u0627\u0631\u0688 (CNIC)<\/li>\n<li>\u067e\u0627\u0633\u067e\u0648\u0631\u0679 (\u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0633\u06d2 \u0628\u0627\u06c1\u0631 \u0631\u06c1\u0646\u06d2 \u0648\u0627\u0644\u0648\u06ba \u06a9\u06d2\u0644\u0626\u06d2)<\/li>\n<li>\u0627\u06cc\u0646 \u0679\u06cc \u0627\u06cc\u0646 \u0633\u0646\u062f<\/li>\n<\/ul>\n<\/li>\n<li>\u0634\u0631\u0627\u06a9\u062a \/ \u06a9\u0644\u0628 \/ \u0633\u0648\u0633\u0627\u0626\u0679\u06cc \/ \u0627\u06cc\u0633\u0648\u0633\u06cc \u0627\u06cc\u0634\u0646 \/ \u0627\u06cc\u0646 \u062c\u06cc \u0627\u0648 \/ \u0679\u0631\u0633\u0679\u06d4\n<ul>\n<li>\u0634\u0631\u0627\u06a9\u062a \/ \u0679\u0631\u0633\u0679 \u0688\u06cc\u0688 \u06a9\u06cc \u0645\u0635\u062f\u0642\u06c1 \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<li>\u0631\u062c\u0633\u0679\u0631\u06cc\u0634\u0646 \u06a9\u0627 \u0633\u0631\u0679\u06cc\u0641\u06cc\u06a9\u06cc\u0679<\/li>\n<li>\u0634\u0631\u0627\u06a9\u062a \u06a9\u06d2 \u062e\u0637 \u067e\u0631 \u062a\u0645\u0627\u0645 \u0634\u0631\u0627\u06a9\u062a \u062f\u0627\u0631\u0648\u06ba \u06a9\u06d2 \u062f\u0633\u062a\u062e\u0637<\/li>\n<li>\u0642\u0648\u0627\u0639\u062f \u06a9\u06cc \u0645\u0635\u062f\u0642\u06c1 \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<li>\u0642\u0631\u0627\u0631\u062f\u0627\u062f \u06a9\u06cc \u0645\u0635\u062f\u0642\u06c1 \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<li>\u0636\u0645\u0646\u06cc \u0642\u0648\u0627\u0646\u06cc\u0646 \u06a9\u06cc \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<li>\u0627\u06cc\u0646 \u0679\u06cc \u0627\u06cc\u0646 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679 \u06a9\u06cc \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<li>\u062a\u0645\u0627\u0645 \u0634\u0631\u0627\u06a9\u062a \u062f\u0627\u0631\u0648\u06ba \u06a9\u06d2 CNICs\u06d4<\/li>\n<li>\u067e\u0627\u0633\u067e\u0648\u0631\u0679 (\u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0633\u06d2 \u0628\u0627\u06c1\u0631 \u0631\u06c1\u0646\u06d2 \u0648\u0627\u0644\u0648\u06ba \u06a9\u06d2\u0644\u0626\u06d2)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>\u0645\u062d\u062f\u0648\u062f \u06a9\u0645\u067e\u0646\u06cc\n<ul>\n<li>\u06a9\u0627\u0631\u067e\u0648\u0631\u06cc\u0634\u0646 \u06a9\u0627 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679\u06d4<\/li>\n<li>\u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u06a9\u06d2 \u0622\u063a\u0627\u0632 \u06a9\u06d2 \u0644\u0626\u06d2 \u0633\u0646\u062f (\u0635\u0631\u0641 \u067e\u06cc \u0627\u06cc\u0644 \u0633\u06cc)<\/li>\n<li>\u0645\u06cc\u0645\u0648\u0631\u0646\u0688\u0645 \u0627\u06cc\u0633\u0648\u0633\u06cc \u0627\u06cc\u0634\u0646<\/li>\n<li>\u0627\u06cc\u0633\u0648\u0633\u06cc \u0627\u06cc\u0634\u0646 \u06a9\u06d2 \u0645\u0636\u0627\u0645\u06cc\u0646<\/li>\n<li>\u0688\u0627\u0626\u0631\u06cc\u06a9\u0679\u0631\u0632 \u06a9\u06cc \u0645\u0648\u062c\u0648\u062f\u06c1 \u0641\u06c1\u0631\u0633\u062a\u06d4<\/li>\n<li>\u0628\u0648\u0631\u0688 \u06a9\u06cc \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u06a9\u06cc \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<li>\u062a\u0645\u0627\u0645 \u0688\u0627\u0626\u0631\u06cc\u06a9\u0679\u0631\u0632 \u06a9\u06d2 CNICs\u06d4<\/li>\n<li>\u0627\u06cc\u0646 \u0679\u06cc \u0627\u06cc\u0646 \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679 \u0627\u0648\u0631 \u0641\u0627\u0631\u0645 29 \u06a9\u06cc \u06a9\u0627\u067e\u06cc\u06d4<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06a9\u06cc\u062c\u0626\u06d2<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1247-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"1247\">\n<div class=\"screen-reader-response\">\n<p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\">\n<ul><\/ul>\n<\/div>\n<form action=\"\/ur\/wp-json\/wp\/v2\/pages\/286#wpcf7-f1247-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/ur\/wp-json\/wp\/v2\/pages\/286#wpcf7-f1247-o1\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"1247\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.0.6\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1247-o1\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><br \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<p><label>\u0646\u0627\u0645<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span><\/label>\n<\/p>\n<p><label>Phone Number:<span class=\"wpcf7-form-control-wrap\" data-name=\"your-cellno\"><input class=\"wpcf7-form-control wpcf7-number wpcf7-validates-as-required wpcf7-validates-as-number\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"number\" name=\"your-cellno\" \/><\/span><\/label>\n<\/p>\n<p><label>City:<span class=\"wpcf7-form-control-wrap\" data-name=\"your-city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-city\" \/><\/span><\/label>\n<\/p>\n<p><label>\u0627\u06cc \u0645\u06cc\u0644<span class=\"wpcf7-form-control-wrap\" data-name=\"client-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-text wpcf7-validates-as-email\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"client-email\" \/><\/span><\/label>\n<\/p>\n<p><label >Interested In:<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"interested-in\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"interested-in\"><option value=\"Islami Sahulat Account\">\u0627\u0633\u0644\u0627\u0645\u06cc \u0633\u06c1\u0648\u0644\u062a \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"BankIslami Kids Account\">BankIslami Kids Account<\/option><option value=\"Islami Khair Current Account\">Islami Khair Current Account<\/option><option value=\"Islami Bachat Account\">\u0627\u0633\u0644\u0627\u0645\u06cc  \u0628\u0686\u062a \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"Islami Current Account\">\u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u0631\u0646\u0679 \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"Islami Asaan Account\">\u0627\u0633\u0644\u0627\u0645\u06cc \u0622\u0633\u0627\u0646 \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"Islami Mahana Munafa Account\">\u0627\u0633\u0644\u0627\u0645\u06cc \u0645\u0627\u06c1\u0627\u0646\u06c1 \u0645\u0646\u0627\u0641\u0639 \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"Islami Amadni Certificate\">\u0627\u0633\u0644\u0627\u0645\u06cc \u0622\u0645\u062f\u0646\u06cc \u0633\u0631\u0679\u06cc\u0641\u06a9\u06cc\u0679<\/option><option value=\"Islami Dollar Bachat Account\">\u0627\u0633\u0644\u0627\u0645\u06cc \u0688\u0627\u0644\u0631 \u0628\u0686\u062a \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"Islami Foreign Currency Account\">\u0627\u0633\u0644\u0627\u0645\u06cc \u063a\u06cc\u0631\u0645\u0644\u06a9\u06cc \u06a9\u0631\u0646\u0633\u06cc \u0627\u06a9\u0627\u0624\u0646\u0679<\/option><option value=\"Islami Premium Saving Account\">Islami Premium Saving Account<\/option><option value=\"Islami Business Saving Account\">Islami Business Saving Account<\/option><\/select><\/span><br \/>\n<\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"\u062c\u0645\u0639 \u06a9\u0631\u06cc\u06ba\" \/>\n<\/p>\n<div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"ur\"\/><\/form>\n<\/div>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">\u0627\u06a9\u062b\u0631 \u067e\u0648\u0686\u06be\u06d2 \u062c\u0627\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u0633\u0648\u0627\u0644\u0627\u062a<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"bold\">\n<p><a data-target=\"#demo74\" data-toggle=\"collapse\" >\u0627\u06af\u0631 \u0635\u0627\u0631\u0641 \u067e\u062e\u062a\u06af\u06cc \u06a9\u06cc \u062a\u0627\u0631\u06cc\u062e \u0633\u06d2 \u067e\u06c1\u0644\u06d2 \u0627\u067e\u0646\u06d2 \u0641\u0646\u0688\u0632 \u06a9\u0648 \u0648\u0627\u067e\u0633 \u0644\u06d2 \u0644\u06cc\u062a\u0627 \u06c1\u06d2 \u062a\u0648 \u06a9\u06cc\u0627 \u0635\u0627\u0631\u0641 \u06a9\u0648 \u0627\u0633 \u06a9\u06d2 \u0645\u06c1\u0646\u0627 \u0645\u0646\u0641\u0627 \u0627\u06a9\u0627\u0624\u0646\u0679 \u067e\u0631 \u06a9\u0648\u0626\u06cc \u0645\u0646\u0627\u0641\u0639 \u0645\u0644\u06d2 \u06af\u0627\u061f<\/a><\/p>\n<div class=\"collapse\" id=\"demo74\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>In case of encashment within the first month of investment, the last declared savings rate of the Islamic Bachat Account (i.e., the savings product) will apply. However, if encashment occurs after one month of investment, the profit of the nearest completed tenor will be calculated and paid to the customer.<\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<p><a data-target=\"#demo75\" data-toggle=\"collapse\" >\u06a9\u06cc\u0627 \u0635\u0627\u0631\u0641 \u06a9\u06cc \u067e\u062e\u062a\u06af\u06cc \u06a9\u06cc \u062a\u0627\u0631\u06cc\u062e \u0633\u06d2 \u067e\u06c1\u0644\u06d2 \u0641\u0646\u0688\u0632 \u0648\u0627\u067e\u0633 \u0644\u06d2 \u062c\u0627\u0646\u06d2 \u067e\u0631 \u06a9\u0648\u0626\u06cc \u062c\u0631\u0645\u0627\u0646\u06c1 \u06c1\u0648\u06af\u0627\u061f<\/a><\/p>\n<div class=\"collapse\" id=\"demo75\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>No, there is no penalty to punish customers for withdrawing their funds before maturity, however, the Bank may deduct any amounts paid as Profit from the principal value of the deposit or Profit payable there on, where amounts already paid as Profit were paid with reference to a rate higher than the rate applicable in case of early encashment.<\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<p><a data-target=\"#demo246\" data-toggle=\"collapse\" >What is withholding tax on profit?<\/a><\/p>\n<div class=\"collapse\" id=\"demo246\">\n<div class=\"ans_box list_cst\">\n<ul>\n<li><span>Withholding tax is a tax payable to the Government of Pakistan on the profit credited in the account of a Savings or Term Account holder.<br \/>\nThe rate may change each month, Subject to changes in the earnings of the deposit pool. Terms &#038; conditions apply.<\/span><\/li>\n<\/ul>\n<\/div>\n<ul>\n<\/ul>\n<\/div>\n<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":72978,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-286","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=286"}],"version-history":[{"count":5,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/286\/revisions"}],"predecessor-version":[{"id":79165,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/286\/revisions\/79165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/72978"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}