{"id":79177,"date":"2025-05-19T13:30:22","date_gmt":"2025-05-19T08:30:22","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=79177"},"modified":"2026-01-27T02:34:59","modified_gmt":"2026-01-26T21:34:59","slug":"islamic-secured-personal-finance","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/islamic-secured-personal-finance\/","title":{"rendered":"Islamic Secured Personal Finance"},"content":{"rendered":"<section id=\"bt_bb_section6a4192a68164f\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium bt_bb_bottom_spacing_medium\"  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 data-bb-version=\"5.5.9\"  class=\"bt_bb_column col-xl-6 col-xs-12 col-sm-6 col-md-6 col-lg-6 bt_bb_align_left bt_bb_vertical_align_middle bt_bb_animation_no_animation,;,,;,,;,,;,,;,,;, animate bt_bb_padding_normal\"  data-width=\"6\" data-bt-override-class=\"{&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_left&quot;,&quot;def&quot;:&quot;left&quot;},&quot;bt_bb_padding_&quot;:{&quot;current_class&quot;:&quot;bt_bb_padding_normal&quot;,&quot;def&quot;:&quot;normal&quot;}}\"><div class=\"bt_bb_column_content\"><div  class=\"bt_bb_text\" ><\/p>\n<h4>Islamic Secured Personal Finance<\/h4>\n<p>To meet Shariah compliant personal financial needs of individual consumers. BankIslami\u2019s Secured Personal Financing facility will only be offered to customers for following needs:<\/p>\n<ul>\n<li>Medical\/hospitalization expenses<\/li>\n<li>Educational expenses<\/li>\n<li>Marriage expenses<\/li>\n<li>Pilgrimage\/travel<\/li>\n<li>Settlement of conventional loan<\/li>\n<li>Any other Shariah Compliant purpose deemed appropriate by Shariah Supervisory Board<\/li>\n<\/ul>\n<p>\n<\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;}}\"><\/div><\/div><\/div><div  class=\"bt_bb_column col-xl-6 col-xs-12 col-sm-6 col-md-6 col-lg-6 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\"  data-width=\"6\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div data-bb-version=\"5.5.9\" class=\"bt_bb_image bt_bb_shape_square bt_bb_target_self bt_bb_align_inherit bt_bb_hover_style_simple bt_bb_content_display_always bt_bb_content_align_middle bt_bb_fill_background_color_full\" data-bt-override-class=\"{&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;def&quot;:&quot;inherit&quot;},&quot;bt_bb_content_display_&quot;:{&quot;current_class&quot;:&quot;bt_bb_content_display_always&quot;,&quot;def&quot;:&quot;always&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><span><img loading=\"lazy\" decoding=\"async\" width=\"565\" height=\"707\" src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/01\/Picture5.png\" class=\"attachment-full size-full\" alt=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/01\/Picture5.png\" data-full_image_src=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/01\/Picture5.png\" title=\"Picture5\" srcset=\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/01\/Picture5.png 565w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/01\/Picture5-10x12.png 10w, https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/01\/Picture5-320x400.png 320w\" sizes=\"auto, (max-width: 565px) 100vw, 565px\" \/><\/span><\/div><\/div><\/div><\/div><\/div><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_text\" ><\/p>\n<h5><span style=\"color: #1b4962;\">\u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/span><\/h5>\n<table id=\"tablepress-10\" class=\"tablepress tablepress-id-10\">\n<caption>\u00a0<\/caption>\n<tbody class=\"row-hover\">\n<tr class=\"row-1\">\n<td class=\"column-1\"><strong>\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0631\u0642\u0645<\/strong><\/td>\n<td class=\"column-2\">\n<p>&#8211; Minimum PKR 200,000\/-<\/p>\n<p>&#8211; Maximum PKR 7,000,000\/-<\/p>\n<p>*Subject to aggregate of total clean and Secured Personal financing does not exceed Rs. 7 million from all Banks\/DFIs.<\/p>\n<\/td>\n<\/tr>\n<tr class=\"row-2\">\n<td class=\"column-1\"><strong>\u0641\u0646\u0627\u0646\u0633\u0646\u06af \u06a9\u06cc \u0645\u062f\u062a<\/strong><\/td>\n<td class=\"column-2\">2 to 4 years with grace period of 1 year<\/td>\n<\/tr>\n<tr class=\"row-3\">\n<td class=\"column-1\"><strong>\u067e\u0631\u0648\u0633\u0633\u0646\u06af \u0641\u06cc\u0633:<\/strong><\/td>\n<td class=\"column-2\">Rs. 10,000 (Non Refundable).<\/td>\n<\/tr>\n<tr class=\"row-4\">\n<td class=\"column-1\"><strong>\u062a\u06a9\u0627\u0641\u0644<\/strong><\/td>\n<td class=\"column-2\">Ranging from 1.5% to 2.8%<\/td>\n<\/tr>\n<tr class=\"row-5\">\n<td class=\"column-1\"><strong>\u0679\u0631\u06cc\u06a9\u0631 \u06a9\u06cc \u062a\u0646\u0635\u06cc\u0628<\/strong><\/td>\n<td class=\"column-2\">Tracker installation is mandatory for all vehicles and tracker shall be installed by BankIslami Pakistan Limited.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n<td class=\"column-1\"><strong>Vehicles Type<\/strong><\/td>\n<td class=\"column-2\">\n<p>New\/Used\/Imported Preowned vehicles of the customer.<\/p>\n<p>Used vehicle should not be more than 7 years old at the time of financing facility and it should not be more than 9 years old at the time of maturity of financing.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<p>\n<\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;}}\"><\/div><\/div><\/div><\/div><\/div><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_text\" ><\/p>\n<h5><span style=\"color: #1b4962;\">Shariah Structure:<\/span><\/h5>\n<p>The Islamic Personal Financing Product is based on Diminishing Musharakah &#8211; Sale &amp; Lease Back structure.<\/p>\n<p>\n<\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_small bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;}}\"><\/div><div class=\"bt_bb_accordion bt_bb_style_outline bt_bb_shape_square\" data-closed=\"closed\"><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 deen-connect-form-course\" ><\/p>\n<ol>\n<li>Asset Purchase Agreement will be signed between the Bank and Customer whereby the Bank will acquire share in the vehicle owned by the Customer.<\/li>\n<li>Customer and Bank will establish a partnership (Shirkat-ul-Milk) in the vehicle. Proportionate share of both Bank and Customer in the vehicle shall be specified in the Shirkat-ul-Milk Agreement.<\/li>\n<li>Bank will rent out its ownership share in the vehicle against agreed rentals. Rental amount and dates shall be agreed in the Payment Agreement signed between Bank and the Customer.<\/li>\n<li>Client would sign an Undertaking to Purchase Musharakah Units at an agreed price on specified dates.<\/li>\n<li>The arrangement of deposit of unit purchase price by the Customer in his\/her account and the Bank recovering the amount from the Client\u2019s account will be considered to be the sale of Musharakah Units by the Bank to the Customer.<\/li>\n<li>Since this transaction is based on sale and lease back (SLB), after completion of at least one year grace period from the date of Asset Purchase Agreement customer will start purchasing of bank\u2019s share and at the end of the financing tenure the vehicle would be transferred to the customer.<\/li>\n<li>Islamic secured personal financing facility will be granted to credit worthy profiles against the vehicle valuation and customer\u2019s payment capacity. It will be secured through hypothecation of vehicle in bank\u2019s favor.<\/li>\n<\/ol>\n<p><strong>Eligibility Criteria:<\/strong><\/p>\n<p><strong>Citizenship :<\/strong>\u00a0\u067e\u0627\u06a9\u0633\u062a\u0627\u0646\u06cc<\/p>\n<p><strong>Eligible Segments:<\/strong>\u00a0Salaried, Self Employed Professionals and Businessmen<\/p>\n<p><strong>Age:\u00a0<\/strong><\/p>\n<p>Minimum Age for Salaried\/ SEP and SEB is 21 years<\/p>\n<p>Maximum Age for Salaried is 60 years and for businessmen and SEPs is 65 years<\/p>\n<p><strong>Income:<\/strong><\/p>\n<p>Minimum Income for Salaried and SEP is Rs. 60,000<\/p>\n<p>Minimum income for Businessmen is Rs. 100,000<\/p>\n<p>To understand the difference between Musharaka and conventional lease knowledge center link should be mentioned.<\/p>\n<p><a href=\"https:\/\/bankislami.com.pk\/ur\/knowledge-center\/\"><u>https:\/\/bankislami.com.pk\/knowledge-center\/<\/u><\/a><\/p>\n<p><b><\/b><strong><b>Employment Tenure:<\/b><\/strong><\/p>\n<p>\u0645\u0644\u0627\u0632\u0645 \u067e\u06cc\u0634\u06c1 \u06a9\u06d2 \u0644\u0626\u06d2<\/p>\n<p>&#8211; Minimum 3 months in current employment and 1 year continuous work history (Permanent &amp; Confirmed) for employees of MNS, LCG, Public &amp; Private Ltd, Government &amp; Armed Forces.<\/p>\n<p>-Minimum 3 months in current employment (Permanent &amp; Confirmed) and 1 year continuous work history within the same industry \/ field for renowned proprietorship &amp; partnership company employees.<\/p>\n<p>-No minimum years in current employment required if customer has a substantial employment experience (2 years minimum) in MNC &amp; LCG, Government &amp; Armed Forces category and are now moving into the PVT. &amp; Public LTD Company.<\/p>\n<p>SEP\/ Businessperson: \u00a7<\/p>\n<p>&#8211; Minimum 1 years in current business\/Industry.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">What is Islamic Secured Personal Finance?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nIslamic Secured Personal Finance is a Shariah-compliant financing facility based on\u00a0<strong><b>Diminishing Musharakah and Sales &amp; Lease Back<\/b><\/strong>. It allows individuals to access liquidity while securing the financing against their vehicle.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Who is eligible for this financing?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nThe facility is available to:<\/p>\n<ul>\n<li><b><\/b><strong><b>Salaried individuals<\/b><\/strong><\/li>\n<li><b><\/b><strong><b>Business owners <\/b><\/strong>and\u00a0<strong><b>self-employed professionals (SEP)<\/b><\/strong><\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">What is the maximum financing amount?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nYou can avail financing up to\u00a0<strong><b>80% of the market value of your vehicle<\/b><\/strong>, with a maximum limit of\u00a0<strong><b>PKR 7 million<\/b><\/strong>.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">What are the pricing and profit rates?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<ul>\n<li><b><\/b><strong><b>Salaried Individuals &amp; SEP:<\/b><\/strong>6 month KIBOR + 5%<\/li>\n<li><b><\/b><strong><b>\u06a9\u0627\u0631\u0648\u0628\u0627\u0631\u06cc \u062d\u0636\u0631\u0627\u062a \u06a9\u06d2 \u0644\u06cc\u06d2<\/b><\/strong>6 month KIBOR + 6%<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">What types of vehicles are accepted as collateral?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\n<strong>The vehicle must be:<\/strong><\/p>\n<ul>\n<li>New\/Used locally manufactured\/assembled\/imported vehicles.<\/li>\n<li>Not older than 7 years from the date of manufacturing at the time of financing.<\/li>\n<li>Not older than 9 year at the time of maturity of financing.<\/li>\n<\/ul>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">How is this product different from conventional loans?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nUnlike conventional loans that involve interest (Riba), this financing is based on\u00a0<strong><b>Shariah-compliant structures<\/b><\/strong>\u00a0like\u00a0<strong><b>Diminishing Musharakah and Sales &amp; Lease Back<\/b><\/strong>, ensuring that transactions remain free from Riba and align with Islamic principles.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Can I use the financing for any purpose?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nYes, the financing can be used for personal needs, such as medical\/hospitalization expenses, educational expenses, marriage expenses, pilgrimage\/travel, settlement of conventional loan or any other Shariah Compliant purpose deemed appropriate by Shariah Supervisory Board.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">What is the tenure of the financing?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nThe financing tenure can range from\u00a0<strong><b>2 to 4 years with 1 year of grace period.<\/b><\/strong><\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">If insurance is prohibited in Islam, how does BankIslami get its assets insured?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nBankIslami has arranged to have all the vehicles insured under Takaful, the Shariah Compliant substitute of insurance.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\"> Is Takaful (Islamic insurance) required for the vehicle?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nYes, the vehicle must be covered under a\u00a0<strong><b>Shariah-compliant Takaful policy<\/b><\/strong>\u00a0throughout the financing tenure.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Can I apply if my vehicle is already under financing?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\nNo, the vehicle must be free from any existing financing and must be in the name of the applicant.<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Is there a penalty for late payment of rent?<\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<p>\n\u0628\u06cc\u0646\u06a9 \u0644\u06cc\u0632 \u06a9\u06d2 \u0639\u0644\u06cc\u062d\u062f\u06c1 \u0645\u0639\u0627\u06c1\u062f\u06d2 \u06a9\u06d2 \u062a\u062d\u062a \u0635\u0627\u0631 \u0641 \u06a9\u0648 \u06a9\u0631\u0627\u0626\u06d2 \u06a9\u06cc \u0628\u0646\u06cc\u0627\u062f \u067e\u0631 \u0627\u067e\u0646\u0627 \u0634\u06cc\u0626\u0631 \u062f\u06cc\u062a\u0627 \u06c1\u06d2 \u062c\u0633 \u0645\u06cc\u06ba \u0635\u0627\u0631\u0641 \u0627\u0633 \u0628\u0627\u062a \u06a9\u0627 \u062d\u0644\u0641 \u0644\u06cc\u062a\u0627 \u06c1\u06d2 \u06a9\u06c1 \u0627\u06af\u0631 \u0648\u06c1 \u0645\u0631\u062f\/\u062e\u0627\u062a\u0648\u0646 \u0645\u0642\u0631\u0631 \u062a\u0627\u0631\u06cc\u062e \u067e\u0631 \u06a9\u0631\u0627\u06cc\u06c1 \u0627\u062f\u0627 \u0646\u06c1\u06cc\u06ba \u06a9\u0631 \u067e\u0627\u062a\u0627 \u062a\u0648 \u0648\u06c1 \u0645\u0631\u062f\/ \u062e\u0627\u062a\u0648\u0646 \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u06a9\u06d2 \u0630\u0631\u06cc\u0639\u06d2 \u0627\u06cc\u06a9 \u0645\u062e\u0635\u0648\u0635 \u0631\u0642\u0645 \u0686\u06cc\u0626\u0631\u06cc\u0679\u06cc \u06a9\u06d2 \u0644\u0626\u06d2 \u062f\u06d2 \u06af\u0627\u06d4 \u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u0627\u0633 \u0686\u06cc\u0626\u0631\u06cc\u0679\u06cc \u06a9\u0648 \u062e\u06cc\u0631\u0627\u062a\u06cc \u0645\u0642\u0635\u062f \u06a9\u06d2 \u0644\u0626\u06d2 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u06a9\u0631\u06d2 \u06af\u0627 \u0627\u0648\u0631 \u06cc\u06c1 \u0628\u06cc\u0646\u06a9 \u06a9\u06cc \u0622\u0645\u062f\u0646 \u0645\u06cc\u06ba \u0634\u0627\u0645\u0644 \u0646\u06c1\u06cc\u06ba \u06c1\u0648\u062a\u06cc\u06d4<\/p>\n<p>\n<\/div><\/div><\/div><div class=\"bt_bb_accordion_item\"><div class=\"bt_bb_accordion_item_title\">Glossary: <\/div><div class=\"bt_bb_accordion_item_content\"><div  class=\"bt_bb_text deen-connect-form-course\" ><\/p>\n<table>\n<thead>\n<tr>\n<th><strong>Acronym<\/strong><\/th>\n<th><strong>Description<\/strong><\/th>\n<th><strong>Acronym<\/strong><\/th>\n<th><strong>Description<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>BankIslami<\/strong><\/td>\n<td>\u0628\u06cc\u0646\u06a9 \u0627\u0633\u0644\u0627\u0645\u06cc \u067e\u0627\u06a9\u0633\u062a\u0627\u0646 \u0644\u0645\u06cc\u0679\u0688<\/td>\n<td><strong>MNC<\/strong><\/td>\n<td>Multinational Company<\/td>\n<\/tr>\n<tr>\n<td><strong>BIR<\/strong><\/td>\n<td>\u0628\u06cc\u0646\u06a9 \u06a9\u06cc \u0633\u0631\u0645\u0627\u06cc\u06c1 \u06a9\u0627\u0631\u06cc<\/td>\n<td><strong>NOC<\/strong><\/td>\n<td>No Objection Certificate<\/td>\n<\/tr>\n<tr>\n<td><strong>CO<\/strong><\/td>\n<td>Collection Officer<\/td>\n<td><strong>OL<\/strong><\/td>\n<td>Offer Letter<\/td>\n<\/tr>\n<tr>\n<td><strong>C&amp;R<\/strong><\/td>\n<td>Collection &amp; Recoveries<\/td>\n<td><strong>OS<\/strong><\/td>\n<td>Officer Sales<\/td>\n<\/tr>\n<tr>\n<td><strong>CAD<\/strong><\/td>\n<td>Credit Administration Department<\/td>\n<td><strong>PTP<\/strong><\/td>\n<td>Promise to Pay<\/td>\n<\/tr>\n<tr>\n<td><strong>CIU<\/strong><\/td>\n<td>Credit Initiation Unit<\/td>\n<td><strong>SBP<\/strong><\/td>\n<td>State Bank of Pakistan<\/td>\n<\/tr>\n<tr>\n<td><strong>COMPSCAN<\/strong><\/td>\n<td>Competitive Scan<\/td>\n<td><strong>SCD<\/strong><\/td>\n<td>Shariah Compliance Department<\/td>\n<\/tr>\n<tr>\n<td><strong>CRO<\/strong><\/td>\n<td>Chief Risk Officer<\/td>\n<td><strong>SEP<\/strong><\/td>\n<td>Self-Employed Professional<\/td>\n<\/tr>\n<tr>\n<td><strong>DBR<\/strong><\/td>\n<td>Debt Burden Ratio<\/td>\n<td><strong>SUV<\/strong><\/td>\n<td>Sports Utility Vehicle<\/td>\n<\/tr>\n<tr>\n<td><strong>DPD<\/strong><\/td>\n<td>Days Past Due<\/td>\n<td><strong>TAT<\/strong><\/td>\n<td>Turn Around Time<\/td>\n<\/tr>\n<tr>\n<td><strong>EAMVU<\/strong><\/td>\n<td>External Agency Management and Verification Unit<\/td>\n<td><strong>TL<\/strong><\/td>\n<td>Team Leader<\/td>\n<\/tr>\n<tr>\n<td><strong>EMI<\/strong><\/td>\n<td>Equal Monthly Installment<\/td>\n<td><strong>EV<\/strong><\/td>\n<td>External Verification<\/td>\n<\/tr>\n<tr>\n<td><strong>FAQ<\/strong><\/td>\n<td>Frequently Asked Questions<\/td>\n<td><strong>FMS<\/strong><\/td>\n<td>Financial Management System<\/td>\n<\/tr>\n<tr>\n<td><strong>FSV<\/strong><\/td>\n<td>Forced Sale Value<\/td>\n<td><strong>HoD<\/strong><\/td>\n<td>Head of Department<\/td>\n<\/tr>\n<tr>\n<td><strong>IV<\/strong><\/td>\n<td>Internal Verification<\/td>\n<td><strong>KYC<\/strong><\/td>\n<td>Know Your Customer<\/td>\n<\/tr>\n<tr>\n<td><strong>LCG<\/strong><\/td>\n<td>Local Corporate Group<\/td>\n<td><strong>LTV<\/strong><\/td>\n<td>Light Traffic Vehicle (like Bolan, Every etc)<\/td>\n<\/tr>\n<tr>\n<td><strong>MFU<\/strong><\/td>\n<td>Mutual Fund Units<\/td>\n<td><strong>MFA<\/strong><\/td>\n<td>Master Financing Agreement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><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_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;}}\"><\/div><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"takaful-apply\">\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06a9\u06cc\u062c\u0626\u06d2<\/div>\n<p>\n<\/div><div class=\"bt_bb_accordion bt_bb_style_outline bt_bb_shape_square\" data-closed=\"closed\"><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 deen-connect-form-course\" ><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f79182-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"79182\">\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\/79177#wpcf7-f79182-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\/79177#wpcf7-f79182-o1\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"79182\" \/><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-f79182-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>Your Message:<span class=\"wpcf7-form-control-wrap\" data-name=\"Message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"Message\"><\/textarea><\/span><\/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><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;,&quot;xl&quot;:&quot;normal&quot;}}\"><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port 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