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Islamic Naya Pakistan Certificates
Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Islamic Naya Pakistan Certificates (INPCs), Shariah compliant PKR, USD, GBP & EUR denominated instruments issued by the Government of Pakistan on the basis of Mudarabah with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Islamic Naya Pakistan Certificate while Bank AL Habib is acting as an agent. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Shariah Compliant Islamic Naya Pakistan Certificates (INPCs) are Shariah compliant certificates issued on the basis of Mudarabah. Under this arrangement, the holder of certificate is an investor (Rab-ul Maal) and Islamic Naya Pakistan Certificate Company Limited (INCCPL) is the Manager (Mudarib) of the funds deposited by the investors. These funds are then invested in a deposit pool comprising of Shariah-compliant transactions and the return is shared between the investors and INCCPL as per the pre-determined profit-sharing ratios and weightages. Shariah Structure of INPCs USD Certificate Terms and Conditions (Mudarabah Agreement) PKR Certificate Terms and Conditions (Mudarabah Agreement) Eligibility AL Habib Islamic Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificate can be booked in PKR, USD, GBP & EUR currencies. How to Invest Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers AL Habib Islamic Roshan Digital Account for onward purchasing or certificate from SBP. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Sharing Ratio (PSR) for the Month of March 2026 Mudarabah Pool INPCCL (Mudarib) Share Investor (Rab-ul-Maal) Share PKR 35% of distributable income65% of distributable income USD 55% of distributable income 45% of distributable income GBP 65% of distributable income 35% of distributable income EUR 70% of distributable income 30% of distributable income Weightages and Expected Return for the Month of March 2026 PKR Tenure PKR (Expected Return) PKR (Profit Weightage Assigned) PKR* (Expected Return- PKR INPC-I) PKR* (Profit Weightage Assigned- PKR INPC-I) PKR** (Expected Return- PKR INPC-II) PKR** (Profit Weightage Assigned- PKR INPC-II) PKR*** (Expected Return- PKR INPC-III) PKR*** (Profit Weightage Assigned- PKR INPC-III) PKR**** (Expected Return- PKR INPC-IV) PKR**** (Profit Weightage Assigned- PKR INPC-IV) Profit Payout (Coupon Payment) 3 Months - - - - - - 13.50% 0.97 10.75% 0.77 Maturity 6 Months - - - - - - 13.50% 0.97 11.00% 0.79 Maturity 12 Months - - - - 21.50% 1.55 13.00% 0.94 11.00% 0.79 Maturity 3 Years - - 14.00% 1.01 17.50% 1.26 12.50% 0.90 11.25% 0.81 Bi-Annual 5 Years 11.00% 0.79 13.50% 0.97 15.00% 1.08 12.50% 0.90 11.50% 0.83 Bi-Annual Bank's Investment in the pool - - - - - - - - 6.75% 0.68 - USD Tenure USD (Expected Return) USD (Profit Weightage Assigned) USD* (Expected Return - USD INPC-I) USD* (Profit Weightage Assigned - USD INPC-I) USD** (Expected Return - USD INPC-II) USD** (Profit Weightage Assigned - USD INPC-II) USD*** (Expected Return - USD INPC-III) USD*** (Profit Weightage Assigned - USD INPC-III) USD**** (Expected Return - USD INPC-IV) USD**** (Profit Weightage Assigned - USD INPC-IV) Profit Payout (Coupon Payment) 3 Months - - - - - - 7.00% 0.99 5.50% 0.78 Maturity 6 Months - - - - - - 7.00% 0.99 5.50% 0.78 Maturity 12 Months - - - - 9.00% 1.28 7.00% 0.99 5.75% 0.82 Maturity 3 Years 6.75% 0.96 8.00% 1.14 8.00% 1.14 7.50% 1.06 6.00% 0.85 Bi-Annual 5 Years 7.00% 0.99 8.00% 1.14 8.00% 1.14 7.50% 1.06 6.25% 0.89 Bi-Annual Bank's Investment in the pool - - - - - - - - 3.00% 0.64 - GBP Tenure GBP (Expected Return) GBP (Profit Weightage Assigned) GBP* (Expected Return - GBP INPC-I) GBP* (Profit Weightage Assigned - GBP INPC-I) GBP** (Expected Return - GBP INPC-II) GBP** (Profit Weightage Assigned - GBP INPC-II) GBP*** (Expected Return - GBP INPC-III) GBP*** (Profit Weightage Assigned - GBP INPC-III) GBP**** (Expected Return - GBP INPC-IV) GBP**** (Profit Weightage Assigned - GBP INPC-IV) Profit Payout (Coupon Payment) 3 Months - - - - - - 7.25% 1.04 5.50% 0.79 Maturity 6 Months - - - - - - 7.25% 1.04 5.75% 0.83 Maturity 12 Months - - - - 8.00% 1.15 7.25% 1.04 6.00% 0.90 Maturity 3 Years - - 7.50% 1.08 7.50% 1.08 7.50% 1.08 6.25% 0.90 Bi-Annual 5 Years 6.50% 0.93 7.50% 1.08 7.50% 1.08 7.50% 1.08 6.50% 0.93 Bi-Annual Bank's Investment in the pool - - - - - - - - 3.50% 0.75 - EUR Tenure EUR (Expected Return) EUR (Profit Weightage Assigned) EUR* (Expected Return - EUR INPC -I) EUR* (Profit Weightage Assigned EUR INPC-I) EUR** (Expected Return - EUR INPC -II) EUR** (Profit Weightage Assigned EUR INPC-II) EUR*** (Expected Return - EUR INPC -III) EUR*** (Profit Weightage Assigned EUR INPC-III) EUR**** (Expected Return - EUR INPC -IV) EUR**** (Profit Weightage Assigned EUR INPC-IV) Profit Payout (Coupon Payment) 3 Months - - - - - - 5.25% 1.09 3.50% 0.73 Maturity 6 Months - - - - - - 5.25% 1.09 3.75% 0.78 Maturity 12 Months - - - - 7.00% 1.45 5.25% 1.09 4.00% 0.83 Maturity 3 Years 5.50% 1.14 6.50% 1.35 6.50% 1.35 5.25% 1.09 4.50% 0.93 Bi-Annual 5 Years 5.75% 1.19 6.50% 1.35 6.50% 1.35 5.25% 1.09 4.75% 0.99 Bi-Annual Bank's Investment in the pool - - - - - - - - 1.25% 0.62 - *Note: Applicable on Fresh Booking from 1st October 2022. **Note: Applicable on all the issuances made on or after 10th October 2023. ***Note: Applicable on all the issuances made on or after 06th March 2025. ****Note: Applicable on all the issuances made on or after 25th February 2026. All issuance made on or after 23rd January, 2023 (before 10th October, 2023) for USD, GBP and Euro shall be classified under USD, GBP and Euro INPCs-I All the issuances made on or after 10th October, 2023 shall be classified under USD, PKR, GBP and EURO INPCs-II All the issuances made on or after 06th March, 2025 shall be classified under USD, PKR, GBP and EURO INPCs-III Declaration of Profit Rates & Profit Payouts for the Month of February- 2026 USD Tenure USD (Actual Return) USD -I (Actual Return) USD -II (Actual Return) USD -III (Actual Return) USD -IV (Actual Return) 3 Months 0.00% 0.00% 0.00% 7.00% 5.50% 6 Months 0.00%0.00% 0.00% 7.00% 5.50% 12 Months 0.00% 0.00% 9.00% 7.00% 5.75% 3 Years 6.75% 8.00% 8.00% 7.50% 6.00% 5 Years 7.00% 8.00% 8.00% 7.50% 6.25% Bank's Investment in the pool 3.00% 3.00% 3.00% 3.00% 3.00% PKR Tenure PKR (Actual Return) PKR -I (Actual Return) PKR -II (Actual Return) PKR -III (Actual Return) PKR -IV (Actual Return) 3 Months 0.00% 0.00% 0.00% 13.50% 10.75% 6 Months 0.00% 0.00% 0.00% 13.50% 11.00% 12 Months 0.00% 0.00% 21.50% 13.00% 11.00% 3 Years 0.00% 14.00% 17.50% 12.50% 11.25% 5 Years 11.00% 13.50% 15.00% 12.50% 11.50% Bank's Investment in the pool 6.75% 6.75% 6.75% 6.75% - GBP Tenure GBP (Actual Return) GBP -I (Actual Return) GBP -II (Actual Return) GBP -III (Actual Return) GBP -IV (Actual Return) 3 Months 0.00% 0.00% 0.00% 7.25% 5.50% 6 Months 0.00% 0.00% 0.00% 7.25% 5.75% 12 Months 0.00% 0.00% 8.00% 7.25% 6.00% 3 Years 0.00% 7.50% 7.50% 7.50% 6.25% 5 Years 6.50% 7.50% 7.50% 7.50% 6.50% Bank's Investment in the pool 3.50% 3.50% 3.50% 3.50% 3.50% EUR Tenure EUR (Actual Return) EUR -I (Actual Return) EUR -II (Actual Return) EUR -III (Actual Return) EUR -IV (Actual Return) 3 Months 0.00% 0.00% 0.00% 5.25% 3.50% 6 Months 0.00% 0.00% 0.00% 5.25% 3.75% 12 Months 0.00% 0.00% 7.00% 5.25% 4.00% 3 Years 5.50% 6.50% 6.50% 5.25% 4.50% 5 Years 5.75% 6.50% 6.50% 5.25% 4.75% Bank's Investment in the pool 1.25% 1.25% 1.25% 1.25% 1.25% Premature Encashment There shall be no premature encashment within the first month of issuance of INPCs Certificates can be prematurely encashed (early encashment before maturity). The proceeds for the premature encashment made after the first month and before the end of three months shall be worked-out based on the the repurchase of INPCs at a discounted price based on the redemption table notified by Islamic Naya Pakistan Certificate Company Limited (INPCCL) Profit/proceeds of premature encashment made after 3 months shall be worked out by Islamic Naya Pakistan Certificate Company Limited (INPCCL) based on the weightages applicable to the nearest completed tenures. Maturity Maturity proceeds will be credited back to the investor’s AL Habib Islamic Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions The Certificates shall be pledgeable as security for raising financing in Pakistan subject to conditions prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×
View DetailsMera Ghar Mera Ashiana
Bank AL Habib along with the Government of Pakistan and with the support of the State Bank of Pakistan offers an affordable and flexible Housing Finance Scheme. With the help of this scheme, you can turn your dream of owning a home into a reality and secure your future. Avail this facility through all our Islamic Banking branches. Key Features Free Life Takaful Subsidised Rate Financing up to PKR 10 Million Available for up to 20 years Easy Documentation Quick Processing No restrictions and no charges on early repayment No cap on Property Price Eligibility Criteria All men / women holding valid CNIC. First time home owner. Not Owing any housing unit on his/her name. Minimum Income PKR 25,000/- for applicant and PKR 20,000/- for co-applicant(s) Minimum 3 years proof of busniess for SEB (Self Employed Businessmen) & SEP (Self Employed Professional). Minimum 2 years employment period for Salaried. Product Variants Purchase of House/flat/apartment Construction of house on already owned plot Purchase of plot and construction of house thereon Age (Applicant & Co-applicant) 60* Years for Salaried Individuals and 65* Years for Self Employed Businessmen/Professionals *at Maturity Financing Tenor Up to 20 years (subsidy for 10 years) Early Repayment No restrictions and no charges on early repayment Takaful Property Takaful Free Life Takaful (Conditions apply) Financing to Value (FTV) Ratio 90:10 (90% financing & 10% equity) Processing Charges No processing charges. However, documentation/stamping charges will be charged at actual .fixedImgDynamic.mera-pakistan{background-image:url('" ~ image_url("theme::images/individual-financing-icons-04.svg") ~"')} .fixedImgDynamic.mera-pakistan::after { content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; } .Summary_Middle .LargeText { font-size: 24px; line-height: normal; display: block; } .d-inline-block.icon-wrap{ width:75px; } .d-inline-block.icon-wrap img{ width:100%; } .bgPosBtmLeft { background-position: top right !important; } .pr-15 { padding-right: 15rem; } .secondary2.color { color: #ffaf3c; } a.secondarybtn { background: #ffaf3c; padding: 8px 10px; font-size: 15px; } a.secondarybtn:hover { color: #212529; background-color: #ffa016; border-color: #ff9b09; text-decoration:none; } .productLogo img{ width:400px; } .font18 { font-size: 18px; } @media (max-width:991px) { .pr-15 { padding-right: 0; } }
View DetailsAgriculture Banking
Introduction Agriculture sector is a vital component of Pakistan’s economy as it provides the raw materials to industries down the line and helps in poverty alleviation. This sector contributes 22.7 percent to the GDP and it remains by far the largest employer absorbing around 37.4 percent of the country's according to Economic Survey of Pakistan 2021-22. The entire spectrum of agriculture sector needs financial support for its sustainable growth. Keeping the importance of the sector in view, BAHL has established a full-fledge division with a sizable field force across Pakistan to provide financial facility at the door step of the farming community with a special focus on underserved areas. In this regard, the bank is directly engaging farmers as well as Agriculture Value Chain Actors (Processors of fruit, meat, milk, etc.) to fulfill their financial needs. Bank AL Habib Limited (BAHL) offers agriculture financing in crop and non-crop sectors. Agriculture Financing Products SBP Refinance Scheme Overview of Agriculture Banking Urdu Sindhi Balochi Pashto Talk to our Agri Experts
View DetailsIslamic Armed Forces Pensioner Current
"AL Habib Islamic Armed Forces Pensioner Current Account" facilitates Armed Forces personnel to receive pension funds timely and conveniently. The Account is being offered with host of free and value added services. Compare Accounts .lifeInsurance{display:none;}
View DetailsIslamic Armed Forces Pensioner Savings
“AL Habib Islamic Armed Forces Pensioner Savings Account” facilitates Armed Forces personnel to receive pension funds timely and conveniently. The Account is being offered with host of free and value added services. Compare Accounts .lifeInsurance{display:none;}
View DetailsIslamic Mahana Amdani Savings Account
Let your savings add to your monthly income with monthly profit payout in Bank AL Habib Mahana Amdani Savings Account. Compare Accounts
View DetailsAL Habib Woman Islamic Saving Account
AL Habib Woman Islamic Saving Account is the perfect choice for you as it caters to all your saving needs. Have you been planning to start saving for your future and pay for your finances independently? AL Habib Woman Islamic Saving Account is the perfect choice for you as it caters to all your saving needs and makes you feel confident about unforeseen future expenses. Connect with us
View DetailsIslamic Asaan Saving Account
Opening a Shariah compliant account was never so easy If you are a Pakistani national and have never opened a bank account before, AL Habib Islamic Asaan Saving Account is just for you. Easy to open, it is loaded with value added features and free benefits. Compare Accounts
View DetailsRemit Account
AL Habib Remit Account facilitates in receiving remittances directly into your account from your loved ones abroad through safety and convenience. The account offers various value added features. Compare Accounts .st0{fill:#009540 !important;}
View DetailsIslamic Income Plus Account
Your Premium Savings Account You don’t have to compromise your needs today while planning for tomorrow. With our Shariah-compliant AL Habib Islamic Income Plus Account, get Shariah compliant profit every month while you save for the future. Profit Rates Islamic Income Plus Account - (1 - 999,999) 8.03% p.a Islamic Income Plus Account - (1,000,000 - 2,499,999) 9.28% p.a Islamic Income Plus Account - (2,500,000 - 4,999,999) 10.53% p.a Islamic Income Plus Account - (5,000,000 - 9,999,999) 12.19% p.a Islamic Income Plus Account - (10,000,000 - 24,999,999) 12.65% p.a Islamic Income Plus Account - (25,000,000 - 49,999,999) 13.30% p.a Islamic Income Plus Account - (50,000,000 - 99,999,999) 13.76% p.a Islamic Income Plus Account - (100,000,000 - 499,999,999) 14.04% p.a Islamic Income Plus Account - (500,000,000 & Above) 14.25% p.a *Expected profit rates for September 2022. Rates subject to change, actual may vary Compare Accounts .table .thead-light th{border-color:#fff !important; border-bottom:none !important;}
View DetailsIslamic Young Savers Account
Make Saving Fun and let them learn the benefits AL Habib Islamic Young Savers Account helps develop the habit of savings in Young Pakistanis under the guardianship of Parents. Make them part of savings for their future financial needs. They earn Shariah compliant profits based on Islamic principles and see their savings grow. Compare Accounts #young_savers_account .lifeInsurance{display:none;}
View DetailsIslamic Foreign Currency Current Account
Catering to your Personal needs AL Habib Islamic Foreign Currency Current Account gives you unlimited access to your account available in US dollar, Pound Sterling and Euro. Stay assured that your money is handled in a Shariah-compliant manner and you enjoy complete control over your cash flows with Free benefits. @media only screen and (max-width: 450px) { .fixedImgDynamic.current::after { background: rgba(51, 51, 51, 0.8313725490196079) !important; } } .fixedImgDynamic.current {background-image: url("../files/images/Foreign-Currency---Breaker.jpg" ) !important; position: relative;}
View DetailsAL Habib Pensioners Current Account
Your banking partner, in retreat. AL Habib Pensioners Account is specially designed for pensioners to facilitate them in receiving their post retirement pension funds. The account assists pensioners to carry out routine transactions from their current account with ease and convenience. Compare Accounts .fixedImgDynamic.current { background-image: url("../files/images/Current-Account--Breaker-.jpg") !important; position:relative; } .fixedImgDynamic.current .container { position:relative; z-index:2; } .fixedImgDynamic.current::after{ content: ""; position: absolute; width: 100%; height: 100%; left: 0; right: 0; top: 0; bottom: 0; margin: auto; background: linear-gradient(106.01deg, #070e19 -30.56%, rgba(7, 14, 24, 0.26) 53.89%); z-index: 1; }
View DetailsAL Habib Digital Account Classic
AL Habib Digital Account Classic enables you to access your account from anywhere in the world and make transactions effortlessly.
View DetailsVisa Debit Gold
Linked to the Global VISA Network, Bank AL Habib VISA Gold Debit Card empowers you to handle purchases and withdraw cash while travelling abroad.
View DetailsVisa Debit Platinum
Bank AL Habib VISA Platinum Debit Card is your financial power-key. Linked to over 1.7 million ATMs and 24 million merchants globally, Bank AL Habib helps you unlock premium lifestyle facilities globally.
View DetailsPayPak Debit
Exclusively usable in Pakistan, Bank AL Habib PayPak Debit Card gives you the power to quickly access your account from over 12,000 ATMs nationwide.
View DetailsAL Habib Digital Account Gold
Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:
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