Shariah-Compliant Personal Finance for Your Everyday Needs

Need funds for personal purposes while keeping your finances aligned with Islamic principles?
IFIC Bai Murabaha Aamar Biniyog offers you Shariah-based financing for both secured and unsecured needs.

Under the Murabaha (cost-plus sale) principle, IFIC Bank purchases goods or assets according to your needs and sells them to you at an agreed profit — clearly disclosed and approved as per Islamic guidelines.

Finance Amount

• Secured: BDT 50,000 – 20,00,000
• Unsecured: BDT 50,000 – 5,00,000

How It Works

• You request the Bank to purchase specific goods.
• The Bank buys the goods and bears the risk until delivery.
• The goods are then sold to you at a disclosed profit, payable in installments.
• No interest — only transparent cost and profit.

Features

• Suitable for personal, asset, or business purposes
• The Bank ensures ownership and delivery before sale
• Security deposit (Hamish Jiddiya) may be required
• Price is fixed at the start and cannot increase later
• Full disclosure of cost and profit

Eligibility

• Must have an Islamic account with IFIC Bank
• Property in own name
• Minimum 6 months at current address
• 1 year experience (salaried) or 2 years (others)
• Age: 22–65 years

Why Choose Bai Murabaha Aamar Biniyog

• Flexible personal financing under Islamic principles
• Transparent and ethical structure
• Quick disbursement for eligible clients
• Available for both secured and unsecured purposes

Get Started

Fulfill your personal financial needs with Shariah-compliant Bai Murabaha Aamar Biniyog.
Visit your nearest IFIC Bank branch today.