Investment / Utilization of Funds:

Bai-Murabaha Investment

  • Bai-Murabaha (Hypo)
  • Bai-Murabaha (General)
  • Bai-Murabaha (Real Estate Material)
  • Bai-Murabaha (Pledge/TR/ Local Purchase)
  • Bai-Murabaha (Hypo) under SME
  • Bai-Murabaha (EMI) under SME
  • Bai-Murabaha (Agriculture)
  • Bai-Murabaha (Hypo) against MTDR and other Deposit Schemes

Hire Purchase under Sirkatul Milk (HPSM) Investment

  • HPSM (House Building-Residential)
  • HPSM (Real Estate/Commercial)
  • HPSM (Transport-Bus, Truck, Launch, Cargo vessel etc.)
  • HPSM (Auto-Car, CNG Three wheeler, Microbus etc.)
  • HPSM (Machinery)
  • HPSM (Industry)
  • HPSM (Consumer Durables Scheme)
  • HPSM (Lease/ Ijara Investment)
  • HPSM-Car Lease (Staff)
  • HPSM (House Building-Staff)

Investment against Import

  • Bai-Murabaha-Import Bill (Cash LC-MIB)
  • Bai-Murabaha (MIB-EDF Fund)
  • Bai-Murabaha-Post Import (TR)
  • Bai-Murabaha-Post Import (Pledge)

Investment against Export

  • Bai- Istisna (Pre Shipment Investment)
  • Bai-Salam
  • Bai-Murabaha (Export)
  • Wajira Bill Okalah against Cash Incentive

Documentary Bill Purchase

  • Foreign Documentary Bills Purchased (FDBP)
  • Inland Documentary Bills Purchased (IDBP-FC)

Other Investment

  • Musharaka Investment
  • Mudaraba Investment
  • Bai-Muajjal Investment


  • Quard against MTDR
  • Quard-E-Hasana
  • Quard against Car (Staff)
  • Quard against Provident Fund (Staff)

Letter of Guarantee

  • Tender Guarantee
  • Performance Guarantee
  • Guarantee for Sub-Contracts
  • Shipping guarantee
  • Advance Payment guarantee
  • Guarantee in lieu of Security Deposits
  • Guarantee for exemption of Customs Duties
  • Others

Specialized Schemes

  • Consumer Investment Scheme
  • SME Investment Scheme
  • Women Entrepreneur Investment under SME Investment
  • Agriculture Investment Scheme