Sharia-Compliant Banking Products
Built on Islamic finance principles and optimized for digital convenience. Every product is reviewed and approved by our Sharia Advisory Board.
Wadiah Savings Account
Wadiah
A safekeeping account where your funds are held securely with no profit-sharing obligations. Perfect for everyday banking needs.
Key Features
- No profit-sharing obligations
- Instant access to funds
- Free debit card
Mudarabah Savings Account
Mudarabah
A profit-sharing savings account where you share in the profits generated from Sharia-compliant investments. Higher returns through ethical banking.
Key Features
- Profit-sharing on deposits
- Expected profit rate: 5-8% annually
- Monthly profit distribution
Murabaha Financing
Murabaha
Cost-plus financing for purchasing assets. We buy the asset and sell it to you at a transparent markup, with no interest involved.
Key Features
- No interest (riba-free)
- Transparent pricing
- Fixed repayment schedule
Ijarah Financing (Leasing)
Ijarah
Lease-to-own financing for vehicles, equipment, or property. You pay monthly lease payments with the option to purchase at the end.
Key Features
- Lease-to-own structure
- No interest charges
- Flexible lease terms
Qard Hasan (Benevolent Loan)
Qard Hasan
Interest-free benevolent loans for those in need. Available for emergency situations and community support.
Key Features
- 100% interest-free
- No profit markup
- Flexible repayment
Halal Stock Portfolio
Halal Stocks
Invest in a curated portfolio of Sharia-compliant stocks from halal businesses. Screened and monitored by our Sharia board.
Key Features
- Sharia-compliant stocks only
- Regular Sharia screening
- Diversified portfolio
Sukuk Investment Fund
Sukuk
Invest in Sukuk (Islamic bonds) - asset-backed securities that comply with Sharia principles. Stable returns from ethical sources.
Key Features
- Asset-backed securities
- Regular income distribution
- Sharia-compliant structure
Mudarabah Investment Fund
Mudarabah Fund
Profit-sharing investment fund where you invest capital and share in profits from Sharia-compliant business activities.
Key Features
- Profit and loss sharing
- Sharia-compliant businesses
- Professional fund management
Zakat Calculator
Zakat Calculator
Calculate your Zakat obligation accurately based on your assets. Our calculator follows Islamic principles and current nisab values.
Key Features
- Accurate Zakat calculation
- Multiple asset types
- Current nisab values
Zakat Distribution Service
Zakat Distribution
We help distribute your Zakat to verified eligible recipients and charitable organizations in accordance with Sharia principles.
Key Features
- Verified recipients
- Transparent distribution
- Sharia-compliant channels
All Products Are Sharia-Compliant
Every product we offer is reviewed and approved by our independent Sharia Advisory Board. We ensure strict adherence to Islamic banking principles, including:
No Riba (Interest)
All products avoid interest-based transactions completely
Asset-Backed
All financing is backed by real assets, not speculation
Ethical Investment
Only halal businesses and sectors are included
Transparent
Clear disclosure of all fees and profit rates