{"id":79974,"date":"2026-03-17T14:36:40","date_gmt":"2026-03-17T09:36:40","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=79974"},"modified":"2026-03-17T15:36:42","modified_gmt":"2026-03-17T10:36:42","slug":"hajj-aur-umrah-ki-manzil-hui-aasaan","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/hajj-aur-umrah-ki-manzil-hui-aasaan\/","title":{"rendered":"Hajj aur Umrah ki Manzil Hui Aasaan"},"content":{"rendered":"
<\/span><\/div><\/div>

Hajj aur Umrah ki Manzil Hui Aasaan<\/span><\/span><\/h4><\/header>
<\/div>
<\/p>\n

Fulfill your sacred journey with confidence and convenience through BankIslami Humsafar a Shariah-compliant solution designed to support your Hajj and Umrah plans with flexibility, transparency, and trusted partnerships.
Whether you prefer to save gradually or travel immediately, Humsafar provides structured options tailored to your needs.<\/p>\n

\n<\/div>

<\/div>
Two Convenient Options<\/div>
<\/p>\n
    \n
  1. Save Now \u2013 Travel Later (Hajj & Umrah Savings Plan)<\/b><\/strong>
    A disciplined, long-term savings solution to help you plan your pilgrimage comfortably.\n

    \u0627\u06c1\u0645 \u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/strong><\/p>\n

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

      Ideal For:<\/strong><\/p>\n

        \n
      • Individuals planning Hajj in the next few years<\/li>\n
      • Families creating structured savings for future Umrah trips<\/li>\n
      • Customers seeking disciplined, Shariah-compliant deposit growth<\/li>\n<\/ul>\n

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

      • Pay Now \u2013 Travel Now (Upfront Payment Facility)<\/b><\/strong>
        For customers ready to travel immediately with market-competitive packages.<\/li>\n<\/ol>\n

        \n<\/div><\/div><\/div>

        \u06cc\u06c1 \u06a9\u06cc\u0633\u06d2 \u06a9\u0627\u0645 \u06a9\u0631\u062a\u0627 \u06c1\u06d2<\/div>
        <\/p>\n
          \n
        1. Customer selects Hajj or Umrah package from an authorized tour operator<\/li>\n
        2. Required package amount is deposited with the Bank<\/li>\n
        3. Bank issues a Payment Order (PO) in favor of the selected authorized tour operator<\/li>\n
        4. Dedicated assistance provided through tour operator representatives in Pakistan and KSA<\/li>\n<\/ol>\n

          \n<\/div><\/div><\/div>

          Role of the Bank (Wakeel Structure)<\/div>
          <\/p>\n

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

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

            Refund & Cancellation Policy<\/strong><\/p>\n

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

              \n
            • Airline cancellation policies<\/li>\n
            • Hotel booking terms (including non-refundable conditions in certain packages)<\/li>\n
            • Vendor-specific contractual terms<\/li>\n<\/ul>\n

              Customers will be informed of applicable cancellation policies prior to booking confirmation.<\/p>\n

              Key Highlights:<\/strong><\/p>\n

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

                \n<\/div><\/div><\/div>

                Our Trusted Partners<\/div>
                <\/p>\n

                BankIslami Humsafar collaborates with reputable and experienced Hajj & Umrah operators to ensure a seamless pilgrimage experience:<\/p>\n

                  \n
                • Universal Brothers (Pvt.) Ltd.<\/li>\n
                • Masarat Group<\/li>\n<\/ul>\n

                  These partnerships enable customers to access professionally managed travel arrangements while banking securely with BankIslami<\/p>\n

                  \n<\/div><\/div><\/div>

                  Why Choose BankIslami Humsafar?<\/div>
                  <\/p>\n
                    \n
                  • 100% Shariah-compliant structure<\/li>\n
                  • Transparent Mudarabah-based profit mechanism<\/li>\n
                  • Clearly defined Wakeel-based facilitation model<\/li>\n
                  • Flexible savings & immediate travel options<\/li>\n
                  • Secure handling of pilgrimage funds<\/li>\n
                  • Reputable and approved travel partners<\/li>\n
                  • Defined complaint handling mechanism<\/li>\n<\/ul>\n

                    \n<\/div><\/div><\/div>

                    Who Can Apply?<\/div>
                    <\/p>\n
                      \n
                    • Pakistani residents (individual account holders)<\/li>\n
                    • Individuals planning Hajj or Umrah<\/li>\n
                    • Customers seeking structured, Halal financial solutions for religious travel<\/li>\n<\/ul>\n

                      \n<\/div><\/div><\/div>

                      Begin Your Sacred Journey Today<\/div>
                      <\/p>\n

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

                      \n<\/div><\/div><\/div>

                      Redressal & Complaint Handling<\/div>
                      <\/p>\n

                      For any queries, concerns, or service-related matters regarding Humsafar, customers may contact the Hajj &amp; Umrah Department \u2013 Products Division, BankIslami Pakistan Limited.
                      Customers may also refer to the Bank\u2019s Complaint Handling &amp; Fair Treatment of Customers framework available on the Bank\u2019s website.<\/p>\n

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