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BANK ALFALAH LIMITED
 
Asset Side Products
 
Product Name Mode Type of Product Basis for Pricing Tenors Target Customers
Alfalah Murabaha Finance (Local, Import and Export) Murabaha Corporate, SME Pricing is linked with Kibor for the facility but for a particular deal it remains fixed As per terms of Sanction Small & Medium Enterprises, Commercial and Corporate entities
Alfalah Murabaha Finance (Import ) Murabaha Corporate Pricing is linked with Kibor for the facility but for a particular deal it remains fixed As per terms of Sanction Small & Medium Enterprises, Commercial and Corporate entities
Alfalah Murabaha Finance (Export) Murabaha Corporate, SME Murabaha As per terms of Sanction Small & Medium Enterprises, Commercial and Corporate entities
Alfalah Car Ijarah Ijara Muntahee Bttamleek Consumer § Profit Rate remains fixed through out the tenor § Currently, profit rates range from 14.5 % to 17.0 %; depending on brand of vehicle & tenor of lease 3 - 5 Years Individuals
Ijarah Finance - Corporate As per terms of sanction. 3 - 7 Years Small & Medium Enterprises, Commercial and Corporate entities
Alfalah Musharaka Homes Diminishing Musharakah   Year One: Currently, pricing is fixed for 1st year as under a) Salaried Individuals: 12.5 % b) Businessmen: 13.5 % For subsequent years, it is linked with Kibor 3 - 20 Years Mortgage of Property being purchased. Personal Guarantee of applicant. Minimum equity participation of 20 % or As per Bank‟s credit policy
Alfalah Salam Finance Salam Commodity Financing As per Terms of Sanction As per Terms of Sanction SME, Commercial and Corporate entities
 
Liability Side Products
 
Product Name Mode Type of Product Tenors Profit Calculation Target Customers
Riba Free Saving Account Mudaraba Saving NA
Saving Individuals, businessmen, housewives, retirees, sole proprieters, associations, public ltd companies, semi-govt. and autonomous bodies
Riba Free Current Account Qard Current NA - Individuals, businessmen, housewives, retirees, sole proprieters, associations, public ltd companies, semi-govt. and autonomous bodies
Riba Free Alfalah Musharaka Term Deposit - Term on maturity and half yearly 7 days-5 years Individuals, businessmen, housewives, retirees, sole proprieters, associations, public ltd companies, semi-govt. and autonomous bodies
 
 
 
 
 
Our Brands
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