Consumer Financing

Customer Security Awareness

Introduction For the Netbanking Customers of Bank AL Habib, an extensive Customer Awareness Programme has been established to make our customers aware of initiatives undertaken by the Bank to facilitate its customers in enjoying secure internet banking. Security Tips Latest Internet Threats Identity Theft SIM Replacement Social Media Keystroke Capturing Social Engineering From time to time, Bank AL Habib will also issue updated guidelines and alerts for the continued security of our customers while using the Netbanking services. These guidelines/alerts are formulated both in English and Urdu for your convenience, and c

Current Openings

Refinance Facility for Modernisation of SME

AL Habib Woman Islamic

Livestock Financing For Dairy Farmers

About Scheme Finance facility is available for eligible farmers, under our approved product “AL Habib Kissan Livestock & Dairy Development Finance Scheme" against acceptable collateral and cash flows. Bank AL Habib and Nestle’ Pakistan have an agreement to provide short, medium and long-term financing facilities to dairy farmers affiliated with and duly recommended by M/S. Nestle’ Pakistan Ltd. Main Features Dairy farmers working with Nestlé since last more than 2 years with a valid CNIC/identity doc, living / working in the area for more than five 5 years. One year running finance facility, renewable every year upon satisfactory conduct to meet day to day requirement of running dairy/livestock farms. Term Finance Facility, for a tenor from 2 to 5 years to purchase animals, livestock & dairy equipment/machinery and distribution / transportation requirement. These financing facilities are available at discounted mark-up rates. SBP Refinance Scheme Talk to our Agri Experts

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 October 2025 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 October 2025 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) 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) 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) 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) Profit Payout (Coupon Payment) 3 Months 9.50% - 15.00% - 21.00% - 13.50% 0.86 5.50% - 7.00% - 8.25% - 7.00% 0.93 5.25% - 5.50% - 7.25% - 7.25% 1.05 4.75% - 4.00% - 6.25% - 5.25% 1.00 Maturity 6 Months 10.00% - 15.25% - 21.25% 1.36 13.50% 0.86 6.00% - 7.20% - 8.50% 1.13 7.00% 0.93 5.50% - 6.00% - 7.50% 1.09 7.25% 1.05 5.00% - 4.50% - 6.50% 1.23 5.25% 1.00 Maturity 12 Months 10.50% - 15.50% - 21.50% 1.37 13.00% 0.83 6.50% - 7.50% - 9.00% 1.20 7.00% 0.93 5.75% - 7.00% - 8.00% 1.16 7.25% 1.05 5.25% - 5.00% - 7.00% 1.33 5.25% 1.00 Maturity 3 Years 10.75% 0.67 14.00% 0.88 17.50% 1.12 12.50% 0.80 6.75% 0.90 8.00% 1.06 8.00% 1.06 7.50% 1.00 6.25% 0.91 7.50% 1.09 7.50% 1.09 7.50% 1.09 5.50% 1.04 6.50% 1.23 6.50% 1.23 5.25% 1.00 Bi-Annual 5 Years 11.00% 0.70 13.50% 0.86 15.00% 0.96 12.50% 0.80 7.00% 0.93 8.00% 1.06 8.00% 1.06 7.50% 1.00 6.50% 0.94 7.50% 1.09 7.50% 1.09 7.50% 1.09 5.75% 1.09 6.50% 1.23 6.50% 1.23 5.25% 1.00 Bi-Annual Bank's Investment in the pool - - - - - - 9.50% 0.61 - - - - - - 4.50% 0.60 - - - - - - 5.25% 0.76 - - - - - - 3.00% 0.57 - *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. 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 October 2025 Tenure USD (Actual Return) USD -I (Actual Return) USD -II (Actual Return) USD -III (Actual Return) PKR (Actual Return) PKR -I (Actual Return) PKR -II (Actual Return) PKR -III (Actual Return) GBP (Actual Return) GBP -I (Actual Return) GBP -II (Actual Return) GBP -III (Actual Return) EUR (Actual Return) EUR -I (Actual Return) EUR -II (Actual Return) EUR -III (Actual Return) 3 Months 0.00% 0.00% 0.00% 7.00% 0.00% 0.00% 0.00% 13.50% 0.00% 0.00% 0.00% 7.25% 0.00% 0.00% 0.00% 5.25% 6 Months 0.00% 0.00% 0.00% 7.00% 0.00% 0.00% 0.00% 13.50% 0.00% 0.00% 0.00% 7.25% 0.00% 0.00% 0.00% 5.25% 12 Months 0.00% 0.00% 9.00% 7.00% 0.00% 0.00% 21.50% 13.00% 0.00% 0.00% 8.00% 7.25% 0.00% 0.00% 7.00% 5.25% 3 Years 6.75% 8.00% 8.00% 7.50% 0.00% 14.00% 17.50% 12.50% 6.25% 7.50% 7.50% 7.50% 5.50% 6.50% 6.50% 5.25% 5 Years 7.00% 8.00% 8.00% 7.50% 11.00% 13.50% 15.00% 12.50% 6.50% 7.50% 7.50% 7.50% 5.75% 6.50% 6.50% 5.25% Bank's Investment in the pool 4.50% 4.50% 4.50% 4.50% 9.50% 9.50% 9.50% 9.50% 5.25% 5.25% 5.25% 5.25% 3.00% 3.00% 3.00% 3.00% 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 ×

Agriculture Finance Products

AL Habib Kissan Farm Murabaha This scheme offers finance for crops input requirements such as seeds, fertilizers, pesticides, diesel, gunny bags, etc. It is a Murabaha facility with tenor matching the lifecycle of the crop.

Islamic Housing Finance - DM