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Barkat
Investment Certificate

Your Path to Halal Investments and Returns!

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Category

A short-term investment certificate designed to offer you consistent monthly returns. Enjoy Mudarabah-based Shariah-compliant investment solution with competitive returns designed to meet your financial goals.

Features

  • Available in:

    • Local Currency: PKR

    • Foreign Currencies: USD, EURO & GBP

  • Minimum Deposit Required:

    • Local Currency: PKR 50,000/-

    • Foreign Currencies: USD 1000/- OR equivalent

  • Range of Tenures:

    • Local Currency: 1 Month, 3 Months, 6 Months, 1 Year, 2 Years, 3 Years & 5 Years

    • Foreign Currencies: 1 Month, 3 Months, 6 Months & 1 Year

  • Profit Payment Options Available:

    • Local Currency: Monthly, Quarterly, Half Yearly, Yearly & Maturity

    • Foreign Currencies: Maturity

  • Automatic renewal option

  • Premature withdrawal option at the nearest completed tenure rate

Note: All Taxes and Zakat are applicable as per Government regulations. Other account maintenance and transactional charges apply as per Faysal Islamic Banking Schedule of Charges (SOC).

For more information, please call our Contact Centre at 111 06 06 06 or visit your nearest Faysal Islamic Banking Branch.

Eligible Customers

Suitable for Individuals and Non-Individuals

How it Works

Means a kind of partnership, where Faysal Islamic Banking is the “Mubarib” (manager of the funds) and the customer is the “Rabb-ul-Maal” (owner of funds). The bank as the Mudarib may invest or disinvest, at its sole discretion the customer’s deposits in Shariah complaint modes such as Ijarah, Murabaha, Musharakah, etc. The rate of profit on the deposit will be determined through a Shariah approved mechanism for calculation of weightages which will be announced at the beginning of each calendar month and shall be applicable for that month only. The depositors will share in the profit earned through financing in different Islamic modes of financing. Losses, if any, will be shared in the proportion of investment by each depositor.

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