{"id":50928,"date":"2020-10-05T11:16:03","date_gmt":"2020-10-05T06:16:03","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=50928"},"modified":"2026-06-02T11:14:22","modified_gmt":"2026-06-02T06:14:22","slug":"islami-premium-saving-account","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/islami-premium-saving-account\/","title":{"rendered":"Islami Premium Saving Account"},"content":{"rendered":"<section id=\"bt_bb_section6a210f859539d\" 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>\nIslami Premium Saving Account is a general pool regular checking account which is targeted towards HNWI (High Net Worth Individuals), sole proprietors, traders, NGOs, business entities etc. It is a two-tiered account with no transaction limits and convenience of fund accessibility.<\/p>\n<p>The Islami Premium Saving Account offers you the following salient key features:<\/p>\n<ul>\n<li>Initial deposit requirement 100,000\/-<\/li>\n<li>Profit calculation on monthly average balance<\/li>\n<li>Profit payment monthly<\/li>\n<li>No restriction on number of withdrawals during a month<\/li>\n<li>No restriction on the number of deposit transactions during a month<\/li>\n<li>Personalized service from Personal Banker<\/li>\n<li>\u0627\u0646\u0679\u0631\u0633\u0679\u06cc \u0644\u06cc\u0646 \u062f\u06cc\u0646 \u067e\u0631 \u06a9\u0648\u0626\u06cc \u067e\u0627\u0628\u0646\u062f\u06cc \u0646\u06c1\u06cc\u06ba \u06c1\u06d2\u06d4<\/li>\n<li>Free internet Banking service<\/li>\n<li><strong>Round the clock phone Banking through 111-ISLAMI (475-264)\u00a0<\/strong><\/li>\n<li>Free account statement facility<\/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>\u0645\u062d\u0641\u0648\u0638 \u0688\u067e\u0627\u0632\u0679 \u0644\u0627\u06a9\u0631\u0632 (\u062f\u0633\u062a\u06cc\u0627\u0628\u06cc \u0633\u06d2 \u0645\u0634\u0631\u0648\u0637)<\/li>\n<\/ul>\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>\nIslami Premium Savings Account is a Mudarabah based account. This is how it works:<\/p>\n<ul>\n<li>You provide funds to the Bank on Mudarbah basis for investment in the Bank\u2019s Shariah Compliant Assets<\/li>\n<li>In this arrangement you are the Rab-ul-Maal (owner of funds) and the Bank is the Mudarib (manager of the funds).<\/li>\n<li>The bank will form a pool of customers<\/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 each 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<\/ul>\n<ul>\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 premium saving account 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<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<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\/2022\/03\/Fatwa-ISLAMI-PREMIUM-SAVINGS-ACCOUNT.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>\n\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<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<\/li>\n<\/ul>\n<ul>\n<li>\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<\/ul>\n<ul>\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<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\/50928#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\/50928#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<p>\nQ. Who the target Market of Islamic premium Saving Account?<\/p>\n<p>In Islamic Premium Saving Account targeted towards HNWI (High Net Worth Individuals), sole proprietors, traders, NGOs, business entities etc. It is a two-tiered account with no transaction limits and convenience of fund accessibility<\/p>\n<p>Q.\u00a0What is a Mudaraba?<\/p>\n<p>\u0645\u062f\u0631\u0627\u0628\u0627 \u0634\u0631\u0627\u06a9\u062a \u06a9\u06cc \u0627\u06cc\u06a9 \u0634\u06a9\u0644 \u06c1\u06d2 \u062c\u06c1\u0627\u06ba \u0627\u06cc\u06a9 \u067e\u0627\u0631\u0679\u06cc \u0641\u0646\u0688 \u0645\u06c1\u06cc\u0627 \u06a9\u0631\u062a\u06cc \u06c1\u06d2 \u062c\u0628\u06a9\u06c1 \u062f\u0648\u0633\u0631\u06cc \u067e\u0627\u0631\u0679\u06cc \u06a9\u0627\u0631\u0648\u0628\u0627\u0631 \u06cc\u0627 \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc \u06a9\u06d2 \u0641\u0646\u0688 \u06a9\u0648 \u0633\u0646\u0628\u06be\u0627\u0644\u0646\u06d2 \u06a9\u06d2 \u0644\u0626\u06d2 \u0645\u06c1\u0627\u0631\u062a \u0627\u0648\u0631 \u0627\u0646\u062a\u0638\u0627\u0645 \u0645\u06c1\u06cc\u0627 \u06a9\u0631\u062a\u06cc \u06c1\u06d2\u06d4 \u0641\u0646\u0688 \u0641\u0631\u0627\u06c1\u0645 \u06a9\u0631\u0646\u06d2 \u0648\u0627\u0644\u06d2 \u06a9\u0648 \u0631\u0628\u0627\u0644\u0645\u0627\u0644 \u06a9\u06d2 \u0646\u0627\u0645 \u0633\u06d2 \u062c\u0627\u0646\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2 \u0627\u0648\u0631 \u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u0634\u062e\u0635 \u06a9\u0648 \u0645\u062f\u0627\u0631\u06cc\u0628 \u06a9\u06c1\u0627 \u062c\u0627\u062a\u0627 \u06c1\u06d2\u06d4 \u0645\u0646\u0627\u0641\u0639 \u067e\u06c1\u0644\u06d2 \u0633\u06d2 \u0637\u06d2 \u0634\u062f\u06c1 \u062a\u0646\u0627\u0633\u0628 \u0645\u06cc\u06ba \u06c1\u0648\u062a\u0627 \u06c1\u06d2 \u060c \u0627\u0648\u0631 \u0627\u06af\u0631 \u0646\u0642\u0635\u0627\u0646 \u06c1\u0648\u062a\u0627 \u06c1\u06d2 \u060c \u062a\u0628 \u062a\u06a9 \u062c\u0628 \u062a\u06a9 \u0645\u062f\u0628\u0631 \u06a9\u06d2 \u0630\u0631\u06cc\u0639\u06c1 \u0645\u0639\u0627\u06c1\u062f\u06d2 \u06a9\u06cc \u0634\u0631\u0627\u0626\u0637 \u06a9\u06cc \u063a\u0641\u0644\u062a \u06cc\u0627 \u063a\u0644\u0637\u06cc \u06a9\u06cc \u0648\u062c\u06c1 \u0633\u06d2 \u067e\u06cc\u062f\u0627 \u0646\u06c1 \u06c1\u0648\u06d4 \u0628\u0630\u0631\u06cc\u0639\u06c1 \u0631\u0627\u0628\u0648\u0644 \u0645\u0627\u0644<\/p>\n<p>Q.\u00a0Who determines if Islamic Premium Saving Accountis Shariah Compliant?<\/p>\n<p>The Shariah Supervisory committee of BankIslami, comprising of Mufti Irshad Ahmad Aijaz (Chairman, Shariah Supervisory Board), Mufti Javed Ahmad (Resident Shariah Board Member) &amp; Mufti Muhammad Husain Khaleel Khail (Member, Shariah Supervisory Board) has the responsibility to oversee that all products, process and transactions pertaining to any deposit product offered by BankIslami are Shariah compliant. A Shariah Audit is also conducted periodically to ensure compliance with Shariah. The State Bank of Pakistan also conducts a Shariah Audit to ensure Shariah compliance.<\/p>\n<p>Q.\u00a0What makes islami Premium Saving Account Shariah Compliant?<\/p>\n<p>All funds raised by BankIslami are invested in businesses which are in compliance with Shariah. Importantly, they are invested in the manner which is prescribed by Shariah. All profit &amp; losses are pooled and distributed according to rules of Shariah between BankIslami and the depositors.<\/p>\n<p>The pre-agreed profit sharing weightage is announced at the start of each month and can be obtained from the branch, Website or Phone Banker. Based on this profit sharing weightage, the Islami Premium Saving AccountAccount holder would be distributed the share in profit for the month at the beginning of the next month.<\/p>\n<p>Q.\u00a0What is the relationship between an Islami Premium Saving Account holder and BankIslami?<\/p>\n<p>Islami Premium Saving Asaan Account holder provides funds as \u2018Rabb-ul-maal\u2019 and BankIslami invest these funds as \u2018Mudarib\u2019 i.e the fund manager. Based on this relationship, the depositors and BankIslami become beneficiaries of the profit earned. When the joint investment pool earns profit, it is distributed in the pre-agreed ratio of depositors and BankIslami. In case of the unlikely event of loss, the depositors on the pro-rata basis bears the loss whereas the Bank goes un-rewarded for all its efforts and bears all the costs incurred for doing the business.<\/p>\n<p>Q.\u00a0How is the Customer\u2019s profit calculated?<\/p>\n<p>Profit from the pool of Shariah compliant assets is calculated at the end of every month. BankIslami keeps a share of the profit as a Mudarib\u2019s share. The balance profit is distributed between various categories of Customers as per predetermined weightages. The profit amount for each category is used to calculate the profit rates for the relevant category of customer, which are announced at the beginning of next mont<\/p>\n<p>Q.\u00a0What is the profit offered on Islami Premium Saving Account?<\/p>\n<p>\u0634\u0631\u0639\u06cc \u062a\u0642\u0627\u0636\u0648\u06ba \u06a9\u06d2 \u0645\u0637\u0627\u0628\u0642 \u060c \u0645\u0646\u0627\u0641\u0639 \u06af\u0627\u06c1\u06a9 \u06a9\u06d2 \u0633\u0627\u0645\u0646\u06d2 \u0646\u06c1\u06cc\u06ba \u06a9\u06cc\u0627 \u062c\u0627\u0633\u06a9\u062a\u0627\u06d4 \u0645\u0646\u0627\u0641\u0639 \u06a9\u06cc \u0634\u0631\u062d \u0635\u0631\u0641 \u0627\u0633 \u0635\u0648\u0631\u062a \u0645\u06cc\u06ba \u0637\u06d2 \u06a9\u06cc \u062c\u0627\u0633\u06a9\u062a\u06cc \u06c1\u06d2 \u062c\u0628 \u0627\u062b\u0627\u062b\u0648\u06ba \u06a9\u06d2 \u062a\u0627\u0644\u0627\u0628 \u0633\u06d2 \u0627\u0635\u0644 \u0622\u0645\u062f\u0646\u06cc \u06a9\u0627 \u062a\u0639\u06cc\u0646 \u06c1\u0648\u062c\u0627\u0626\u06d2\u06d4 \u0627\u06af\u0644\u06d2 \u0645\u06c1\u06cc\u0646\u06d2 \u06a9\u06d2 \u0622\u063a\u0627\u0632 \u067e\u0631 \u0645\u0646\u0627\u0641\u0639 \u06a9\u06d2 \u0627\u0639\u0644\u0627\u0646 \u0633\u06d2 \u0627\u062f\u0627 \u06a9\u0631\u062f\u06c1 \u0645\u0646\u0627\u0641\u0639 \u06a9\u0627 \u062a\u0639\u06cc\u0646 \u06c1\u0648\u06af\u0627\u06d4 \u062a\u0627\u06c1\u0645 \u060c \u0641\u0631\u0648\u062e\u062a \u06a9\u0646\u0646\u062f\u06c1 \u0634\u062e\u0635 \u067e\u0686\u06be\u0644\u06d2 \u0645\u06c1\u06cc\u0646\u0648\u06ba \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u0639\u0644\u0627\u0646 \u06a9\u0631\u062f\u06c1 \u0646\u0631\u062e\u0648\u06ba \u06a9\u0648 \u0628\u0627\u0646\u0679 \u0633\u06a9\u062a\u0627 \u06c1\u06d2 \u062a\u0627\u06a9\u06c1 \u0648\u06c1 \u06af\u0627\u06c1\u06a9 \u06a9\u0648 \u0627\u0634\u0627\u0631\u06d2 \u06a9\u06cc \u0634\u0631\u062d \u0641\u0631\u0627\u06c1\u0645 \u06a9\u0631\u06d2\u06d4<\/p>\n<p>\u0633: \u0645\u0646\u0627\u0641\u0639 \u067e\u0631 \u0648\u062f\u06c1\u0648\u0644\u0688\u0646\u06af \u0679\u06cc\u06a9\u0633 \u06a9\u06cc\u0627 \u06c1\u06d2\u061f<\/p>\n<p>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.<\/p>\n<p>&nbsp;<\/p>\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":80254,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-50928","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/50928","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=50928"}],"version-history":[{"count":3,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/50928\/revisions"}],"predecessor-version":[{"id":80255,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/50928\/revisions\/80255"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/80254"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=50928"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}