{"id":79768,"date":"2026-02-04T10:29:30","date_gmt":"2026-02-04T05:29:30","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=79768"},"modified":"2026-02-26T19:30:55","modified_gmt":"2026-02-26T14:30:55","slug":"gold-based-financing","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/gold-based-financing\/","title":{"rendered":"Gold Based Financing"},"content":{"rendered":"<div id=\"child-pages-wrap\" class=\"child-pages-tab  style-horizontal with-border with-bg-colors\">\n\n\t\t\t\n\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#details\">Details<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#who-can-apply\">Who can apply<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#faqs\">FAQS<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li><a href =\"#apply-now\">\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06a9\u06cc\u062c\u0626\u06d2<\/a><\/li>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t<\/ul>\n\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"details\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a27ba47db8bd\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium 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  bt_bb_column_gap_20\" style=\"; --column-gap:20px;\" 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_animation_fade_in move_up animate bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_left bt_bb_floating_element_vertical_position_top bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"transform: translate(-15%,-120%); z-index: -1;\" data-speed=\"0.6\"><div class=\"bt_bb_floating_element_html\" data-speed=\"0.6\"><span  style=\"width: 50px; height: 50px; box-shadow: 0 0 0 3px #ccb892 inset; border-radius: 50%;\"><\/span><\/div><\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_none bt_bb_bottom_spacing_small\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_none&quot;,&quot;def&quot;:&quot;none&quot;,&quot;xl&quot;:&quot;none&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;}}\"><\/div><header data-bb-version=\"5.6.3\" class=\"bt_bb_headline btPeopleProfileDash bt_bb_font_weight_700 bt_bb_dash_none bt_bb_size_large bt_bb_align_center btPeopleProfileDash\" style=\";color:rgb(10,81,161);\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;def&quot;:&quot;large&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;def&quot;:&quot;center&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><h4 style=\"font-size:50px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span>Gold Financing<\/span><\/span><\/h4><\/header><div data-bb-version=\"4.9.8\" class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_none bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_none&quot;,&quot;def&quot;:&quot;none&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&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<div style=\"background-color: transparent; padding: 30px;\">\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Pakistan Mein Pehli Baar \u2014 Islamic Gold-Based Financing<\/strong><\/p>\n<p>Meet your dire financial needs with <strong>BankIslami Gold-Based Financing<\/strong>, 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.<\/p>\n<p>Designed for individuals seeking a <strong>Halal alternative<\/strong> to conventional financing, this facility provides liquidity for essential personal needs with transparency, security, and peace of mind.<\/p>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>About BankIslami\u2019s Gold-Based Financing<\/strong><\/p>\n<p>Gold-Based Financing is a <strong>Shariah-compliant consumer financing facility<\/strong>, structured in accordance with Islamic principles and approved by BankIslami\u2019s Shariah Board.<\/p>\n<p>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.<\/p>\n<p>This product serves as an <strong>Islamic alternative<\/strong> to conventional gold loans and interest-based financing.<\/p>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Why Choose BankIslami Gold-Based Financing?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li><strong>100% Shariah-Compliant Structure<\/strong><br \/>Based on Tawarruq, approved by the Bank\u2019s Shariah Board.<\/li>\n<li><strong>Instant Liquidity Against Gold<\/strong><br \/>Finance up to 70% of your gold\u2019s net value.<\/li>\n<li><strong>Secure Custody<\/strong><br \/>Your gold is safely stored in BankIslami\u2019s secured vaults.<\/li>\n<li><strong>Flexible Tenure<\/strong><br \/>Payment options ranging from 1 to 4 years.<\/li>\n<li><strong>No Usage Restrictions (Within Shariah Limits)<\/strong><br \/>Financing for genuine and dire personal needs.<\/li>\n<\/ul>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Financing Details<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li><strong>Financing Amount:<\/strong><br \/>PKR 250,000 up to PKR 5,000,000*<\/li>\n<li><strong>Bank Investment Ratio (BIR):<\/strong><br \/>Up to 70% of net gold value*<\/li>\n<li><strong>Tenure:<\/strong><br \/>1 to 4 Years<\/li>\n<li><strong>Profit Rate:<\/strong><br \/>Benchmark-linked (as communicated in the Offer Letter)<\/li>\n<li><strong>Charges:<\/strong><br \/>Processing and valuation charges as per the Bank\u2019s Schedule of Charges<\/li>\n<\/ul>\n<p style=\"margin-top: 20px; color: #0a51a1;\"><strong>*Terms &amp; Conditions apply.<\/strong><\/p>\n<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"who-can-apply\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a27ba47dc9a0\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium 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  bt_bb_column_gap_20\" style=\"; --column-gap:20px;\" 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_animation_fade_in move_up animate bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_left bt_bb_floating_element_vertical_position_top bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"transform: translate(-15%,-120%); z-index: -1;\" data-speed=\"0.6\"><div class=\"bt_bb_floating_element_html\" data-speed=\"0.6\"><span  style=\"width: 50px; height: 50px; box-shadow: 0 0 0 3px #ccb892 inset; border-radius: 50%;\"><\/span><\/div><\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_none bt_bb_bottom_spacing_small\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_none&quot;,&quot;def&quot;:&quot;none&quot;,&quot;xl&quot;:&quot;none&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;}}\"><\/div><header data-bb-version=\"5.6.3\" class=\"bt_bb_headline btPeopleProfileDash bt_bb_font_weight_700 bt_bb_dash_none bt_bb_size_large bt_bb_align_center btPeopleProfileDash\" style=\";color:rgb(10,81,161);\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;def&quot;:&quot;large&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;def&quot;:&quot;center&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><h4 style=\"font-size:50px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span>Gold Financing<\/span><\/span><\/h4><\/header><div data-bb-version=\"4.9.8\" class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_none bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_none&quot;,&quot;def&quot;:&quot;none&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&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<div style=\"background-color: transparent; padding: 30px;\">\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>\u0627\u06c1\u0644\u06cc\u062a<\/strong><\/p>\n<p><strong>Gold-Based Financing is available to:<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Salaried individuals<\/li>\n<li>Self-employed professionals<\/li>\n<li>Businesspersons<\/li>\n<\/ul>\n<p><strong>Subject to eligibility criteria, including:<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Minimum income requirements<\/li>\n<li>Acceptable credit history<\/li>\n<li>Compliance with SBP and BankIslami policies<\/li>\n<\/ul>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Purpose of Financing<\/strong><\/p>\n<p>This facility is available for genuine, <strong>Shariah-compliant personal needs<\/strong> that meet the requirements below:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Medical expenses<\/li>\n<li>Education<\/li>\n<li>Marriage-related expenses<\/li>\n<li>Payment of conventional liabilities<\/li>\n<\/ul>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>Safety &amp; Protection of Your Gold<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Valuation conducted by Bank-approved goldsmiths<\/li>\n<li>Gold sealed in tamper-proof bags<\/li>\n<li>Stored under dual control mechanisms<\/li>\n<li>Covered under Takaful throughout the financing tenure<\/li>\n<\/ul>\n<p style=\"padding-left: 10px; padding-top: 20px; padding-bottom: 20px; background-color: #f5f5f5; margin-top: 20px; margin-bottom: 20px; color: #0a51a1;\"><strong>How to Apply<\/strong><\/p>\n<p>Visit your nearest <strong>authorized BankIslami branch<\/strong> to apply for Gold-Based Financing.<\/p>\n<p><strong>For further assistance:<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li><strong>\u0641\u0648\u0646<\/strong> 111-ISLAMI (111-475-264)<\/li>\n<li><strong>\u0648\u06cc\u0628 \u0633\u0627\u0626\u0679 :<\/strong> <a href=\"https:\/\/bankislami.com.pk\/ur\/\" target=\"_blank\" rel=\"noopener\">www.bankislami.com.pk<\/a><\/li>\n<li><strong>\u0627\u06cc \u0645\u06cc\u0644<\/strong> <a href=\"mailto:support@bankislami.com.pk\">support@bankislami.com.pk<\/a><\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"faqs\">\n\t\t\t\t\t\t\t<section id=\"bt_bb_section6a27ba47dd6da\" class=\"bt_bb_section bt_bb_layout_boxed_1200 bt_bb_vertical_align_top bt_bb_top_spacing_medium 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  bt_bb_column_gap_20\" style=\"; --column-gap:20px;\" 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_animation_fade_in move_up animate bt_bb_padding_normal\"  data-width=\"12\" data-bt-override-class=\"{}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_left bt_bb_floating_element_vertical_position_top bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"transform: translate(-15%,-120%); z-index: -1;\" data-speed=\"0.6\"><div class=\"bt_bb_floating_element_html\" data-speed=\"0.6\"><span  style=\"width: 50px; height: 50px; box-shadow: 0 0 0 3px #ccb892 inset; border-radius: 50%;\"><\/span><\/div><\/div><div class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_none bt_bb_bottom_spacing_small\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_none&quot;,&quot;def&quot;:&quot;none&quot;,&quot;xl&quot;:&quot;none&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_small&quot;,&quot;def&quot;:&quot;small&quot;,&quot;xl&quot;:&quot;small&quot;}}\"><\/div><header data-bb-version=\"5.6.3\" class=\"bt_bb_headline btPeopleProfileDash bt_bb_font_weight_700 bt_bb_dash_none bt_bb_size_large bt_bb_align_center btPeopleProfileDash\" style=\";color:rgb(10,81,161);\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;def&quot;:&quot;large&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;def&quot;:&quot;center&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><h4 style=\"font-size:50px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span>Gold Financing<\/span><\/span><\/h4><\/header><div data-bb-version=\"4.9.8\" class=\"bt_bb_separator bt_bb_border_style_none bt_bb_top_spacing_none bt_bb_bottom_spacing_normal\" data-bt-override-class=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_none&quot;,&quot;def&quot;:&quot;none&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&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<div style=\"background-color: transparent; padding: 30px;\">\n<p><strong>What is Gold-Based Financing?<\/strong><\/p>\n<p>Gold-Based Financing is a Shariah-compliant consumer financing facility that allows customers to obtain financing against the pledge of their gold ornaments, while the gold remains safely secured with BankIslami until full settlement.<\/p>\n<p>The facility is offered strictly for genuine and Shariah-compliant personal needs.<\/p>\n<p><strong>Is this product Shariah-compliant?<\/strong><\/p>\n<p>Yes. This product is fully Shariah-compliant and approved by BankIslami\u2019s Shariah Board.<\/p>\n<p>The financing is structured on <strong>Tawarruq<\/strong>, using Shariah-compliant Mutual Fund Units (MFUs) as the underlying asset, in line with SBP and AAOIFI guidelines.<\/p>\n<p><strong>How is this different from conventional gold loans?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>No interest (Riba) is charged<\/li>\n<li>Financing is based on the sale and purchase of assets, not money lending<\/li>\n<li>Late payment charges are treated as charity, not Bank income<\/li>\n<\/ul>\n<p><strong>What is Tawarruq and why is it used?<\/strong><\/p>\n<p>Tawarruq is a Shariah-approved mechanism used to generate liquidity through:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Purchase of a Shariah-compliant asset<\/li>\n<li>Sale of that asset on deferred payment<\/li>\n<li>Redemption of the asset for cash<\/li>\n<\/ul>\n<p>This structure ensures asset-backed financing without Riba.<\/p>\n<p><strong>Can I use the financing amount for any purpose?<\/strong><\/p>\n<p>The facility is available for dire and genuine personal needs, including:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Medical expenses<\/li>\n<li>Education<\/li>\n<li>Marriage-related expenses<\/li>\n<li>Paying off conventional liabilities<\/li>\n<\/ul>\n<p>Any other purpose may require prior Shariah approval.<\/p>\n<p><strong>How much financing can I avail?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Minimum: PKR 250,000<\/li>\n<li>Maximum: PKR 5,000,000<\/li>\n<li>Up to 70% of the net value of pledged gold (Bank Investment Ratio)<\/li>\n<\/ul>\n<p><strong>How is the value of my gold determined?<\/strong><\/p>\n<p>Your gold is valued inside the branch by BankIslami-approved goldsmiths based on:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Net gold weight and purity only (minimum 21 karat)<\/li>\n<\/ul>\n<p>Stones, alloy, wax, or other materials are excluded from valuation.<\/p>\n<p><strong>Where is my gold kept?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Sealed in tamper-proof bags<\/li>\n<li>Stored in fireproof vaults<\/li>\n<li>Held under dual control<\/li>\n<li>Covered under Takaful for the entire financing tenure<\/li>\n<\/ul>\n<p><strong>Who can apply for Gold-Based Financing?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Salaried individuals<\/li>\n<li>Self-employed professionals (SEPs)<\/li>\n<li>Businesspersons<\/li>\n<\/ul>\n<p>Subject to:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Minimum net disposable income of PKR 80,000<\/li>\n<li>Satisfactory credit history<\/li>\n<li>SBP and BankIslami eligibility criteria<\/li>\n<\/ul>\n<p><strong>What is the financing tenure?<\/strong><\/p>\n<p>You may choose a tenure between <strong>1 year to 4 years<\/strong>, with monthly instalments.<\/p>\n<p><strong>What is the profit rate?<\/strong><\/p>\n<p>The profit rate is linked to <strong>1-Year KIBOR plus approved spread<\/strong>.<br \/>The final rate is communicated through the Offer Letter.<\/p>\n<p><strong>Are there any processing or valuation charges?<\/strong><\/p>\n<p>Yes. Applicable charges include:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Processing fee as per the Bank\u2019s Schedule of Charges<\/li>\n<li>Gold valuation charges (paid at actual)<\/li>\n<li>Applicable government taxes (FED)<\/li>\n<\/ul>\n<p>All charges are disclosed upfront.<\/p>\n<p><strong>Is early settlement allowed?<\/strong><\/p>\n<p>Yes. Early or partial settlement is allowed.<\/p>\n<p>Any rebate on unearned profit:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Is not pre-agreed<\/li>\n<li>Requires Shariah approval<\/li>\n<li>Is granted at the Bank\u2019s discretion<\/li>\n<\/ul>\n<p><strong>What happens if I delay an instalment?<\/strong><\/p>\n<p>In case of late payment:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>Charity is charged instead of penalty<\/li>\n<li>Charity is credited to the Charity Fund<\/li>\n<li>Charity does not form part of the Bank\u2019s income<\/li>\n<\/ul>\n<p><strong>Can the charity amount be waived?<\/strong><\/p>\n<p>Charity waiver may be considered only in genuine hardship cases, subject to Shariah approval and the Bank\u2019s authority matrix.<\/p>\n<p><strong>What happens if I am unable to pay the financing?<\/strong><\/p>\n<p>If instalments remain unpaid beyond the defined period:<\/p>\n<ul class=\"pad_left list_cst\">\n<li>The Bank may liquidate the pledged gold<\/li>\n<li>Proceeds are used to settle outstanding dues<\/li>\n<li>Any surplus is returned to the customer<\/li>\n<\/ul>\n<p><strong>What happens in case of the customer\u2019s death?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Financing is settled through successors or Takaful (if applicable)<\/li>\n<li>Gold is released upon settlement<\/li>\n<li>Unclaimed gold may be auctioned<\/li>\n<li>Any surplus proceeds are returned to legal heirs<\/li>\n<\/ul>\n<p><strong>Can I get my gold back before maturity?<\/strong><\/p>\n<p>Yes, once all outstanding dues (including charity, if any) are fully settled and the formal settlement process is completed.<\/p>\n<p><strong>Is Takaful mandatory?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Gold ornament Takaful is mandatory<\/li>\n<li>Life Takaful is optional (subject to availability)<\/li>\n<\/ul>\n<p><strong>How can I apply?<\/strong><\/p>\n<ul class=\"pad_left list_cst\">\n<li>Visit an authorized BankIslami branch<\/li>\n<li>Call Phone Banking: 111-ISLAMI (111-475-264)<\/li>\n<li>\u0627\u06cc \u0645\u06cc\u0644 <a href=\"mailto:support@bankislami.com.pk\">support@bankislami.com.pk<\/a><\/li>\n<\/ul>\n<\/div>\n<p>\n<\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t<div id=\"apply-now\">\n\t\t\t\t\t\t\t<p><section data-bb-version=\"5.4.4\" id=\"mg\" 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=\"{&quot;bt_bb_top_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_top_spacing_medium&quot;,&quot;def&quot;:&quot;medium&quot;},&quot;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_medium&quot;,&quot;def&quot;:&quot;medium&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><div class=\"bt_bb_port\"><div class=\"bt_bb_cell\"><div class=\"bt_bb_cell_inner\"><div class=\"bt_bb_row  bt_bb_column_gap_20\" style=\"; --column-gap:20px;\" data-bt-override-class=\"{}\"><div class=\"bt_bb_row_holder\" ><div data-bb-version=\"4.6.1\"  class=\"bt_bb_column col-xl-12 col-xs-12 col-sm-12 col-md-12 col-lg-12 mashal-talks-contact bt_bb_align_left bt_bb_vertical_align_top bt_bb_animation_fade_in move_up animate bt_bb_padding_normal\"  data-width=\"12\" 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;}}\"><div class=\"bt_bb_column_content\"><div class=\"bt_bb_floating_element bt_bb_floating_element_horizontal_position_left bt_bb_floating_element_vertical_position_top bt_bb_floating_element_animation_delay_default bt_bb_floating_element_animation_duration_default bt_bb_floating_element_animation_style_ease_out\" style=\"transform: translate(-15%,-120%); z-index: -1;\" data-speed=\"0.6\"><div class=\"bt_bb_floating_element_html\" data-speed=\"0.6\"><span  style=\"width: 50px; height: 50px; box-shadow: 0 0 0 3px #ccb892 inset; border-radius: 50%;\"><\/span><\/div><\/div><div data-bb-version=\"5.4.4\" 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;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;}}\"><\/div><header data-bb-version=\"5.4.4\" class=\"bt_bb_headline hm-priority-register bt_bb_font_weight_700 bt_bb_dash_none bt_bb_size_large bt_bb_align_center hm-priority-register\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_large&quot;,&quot;def&quot;:&quot;large&quot;,&quot;sm&quot;:&quot;small&quot;,&quot;xs&quot;:&quot;small&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_center&quot;,&quot;def&quot;:&quot;center&quot;},&quot;bt_bb_animation_&quot;:{&quot;current_class&quot;:&quot;bt_bb_animation_no_animation&quot;,&quot;def&quot;:&quot;no_animation&quot;}}\"><h4 style=\"font-size:30px\" class=\"bt_bb_headline_tag\"><span class=\"bt_bb_headline_content\"><span>\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u06a9\u06cc\u062c\u0626\u06d2<\/span><\/span><\/h4><\/header><div data-bb-version=\"5.4.4\" 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;bt_bb_bottom_spacing_&quot;:{&quot;current_class&quot;:&quot;bt_bb_bottom_spacing_normal&quot;,&quot;def&quot;:&quot;normal&quot;}}\"><\/div><div  class=\"bt_bb_text\" ><\/p>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f79790-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"79790\">\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\/79768#wpcf7-f79790-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\/79768#wpcf7-f79790-o1\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"79790\" \/><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-f79790-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<div class=\"form-row\">\n<div class=\"column-half\">\n<p><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\" placeholder=\"Name\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n<\/p><\/div>\n<div class=\"column-half\">\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"\u0627\u06cc \u0645\u06cc\u0644 \u0627\u06cc\u0688\u0631\u06cc\u0633\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t\t<\/p>\n<\/p><\/div>\n<\/div>\n<div class=\"form-row\">\n<div class=\"column-half\">\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"city\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"City\" value=\"\" type=\"text\" name=\"city\" \/><\/span>\n\t\t<\/p>\n<\/p><\/div>\n<div class=\"column-half\">\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span>\n\t\t<\/p>\n<\/p><\/div>\n<\/div>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Send\" \/>\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 class=\"bt_bb_separator border-auto-women bt_bb_border_style_none bt_bb_top_spacing_normal bt_bb_bottom_spacing_none border-auto-women\" style=\"border-bottom: 2px dashed #979797; border-width: 2; border-color: transparent; border-style: solid;\" 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_none&quot;,&quot;def&quot;:&quot;none&quot;,&quot;xl&quot;:&quot;none&quot;}}\"><\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><section data-bb-version=\"5.4.5\" id=\"bt_bb_section6a27ba47e196b\" class=\"bt_bb_section bt_bb_layout_boxed_1200\"  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=\"5.4.5\"  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_raw_content\"><script>\n  fbq('trackCustom', 'ApplyNow');\n<\/script>\n\n\n<script>\n  document.addEventListener('wpcf7mailsent', function(event) {\n      if (event.detail.contactFormId == 'be67bba') {\n          fbq('trackCustom', 'Submitbutton');\n      }\n  }, false);\n<\/script>\n<\/div><\/div><\/div><\/div><\/div><\/div><!-- cell_inner --><\/div><!-- cell --><\/div><!-- port --><\/section><\/p>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":79823,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-79768","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79768","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=79768"}],"version-history":[{"count":2,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79768\/revisions"}],"predecessor-version":[{"id":79778,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79768\/revisions\/79778"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/79823"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=79768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}