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BUSINESS SHORT TERM PRODUCTS 

Financing for Working Capital  

Details of Product Murabaha - Where transaction is done on a “cost plus profit” basis i.e. the seller discloses the cost to the buyer and adds a certain profit to it to arrive at the final selling price.Mainly used for Procurement of Raw Material; for meeting working capital needs of trade and industry
Targeted Sector Manufacturing Industries, Construction Industries, Traders and Individual
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode At spot, In installments or In lump sum after a certain time
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank.
Pricing Cost plus mutually agreed profit.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

Details of Product Import Murabaha - Settlement/Retirement of SLC (Funded facility)
Targeted Sector Import oriented industries.
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode At spot, In installments or In lump sum after a certain time
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank.
Pricing The purchase of the goods; the pre agreed profit either in lump sum or as a percentage of the cost (Flat or a benchmark) to be calculated and finalized at the time of entering into the Murabaha contract; Any other expenses directly related to the purchase of the goods subject of the Murabaha such as the cost of shipment, insurance, transportation etc.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

Details of Product Spot Murabaha - Settlement/Retirement of SLC (Funded facility)
Targeted Sector Import oriented industries.
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode At spot
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank.
Pricing The purchase of the goods; the pre agreed profit either in lump sum or as a percentage of the cost (Flat or a benchmark) to be calculated and finalized at the time of entering into the Murabaha contract; Any other expenses directly related to the purchase of the goods subject of the Murabaha such as the cost of shipment, insurance, transportation etc.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

Details of Product FIM Murabaha - Settlement/Retirement of SLC (Funded facility)
Targeted Sector Import oriented industries.
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode Spot Rate
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank.
Pricing The purchase of the goods; the pre agreed profit either in lump sum or as a percentage of the cost (Flat or a benchmark) to be calculated and finalized at the time of entering into the Murabaha contract; Any other expenses directly related to the purchase of the goods subject of the Murabaha such as the cost of shipment, insurance, transportation etc.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

Financing for Working Capital – Finished Goods 

Details of Product Wakala Istithmar - Post Manufacturing means Investment Agency whereby one party (principal) appoints another party as its agent, to invest the capital provided by the agent.
Targeted Sector Export oriented Industries
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode Spot - Upon receipt of Sales Proceeds from the Ultimate Buyer(s)
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank
Pricing The Wakala Capital may be calculated as an amount net of the cushion for meeting the foreign bank charge and the bank’s profit from the transaction on the basis of the number of days that the facility is being availed.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

Financing for Working Capital – Manufacturing  

Details of Product Wakala Istithmar - Pre Manufacturing means Investment Agency whereby one party (principal) appoints another party as its agent, to invest the capital provided by the agent.
Targeted Sector Export oriented Industries
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode Spot - Upon receipt of Sales Proceeds from the Ultimate Buyer(s)
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank
Pricing The Wakala Capital may be calculated as an amount net of the cushion for meeting the foreign bank charge and the bank’s profit from the transaction on the basis of the number of days that the facility is being availed.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

Details of Product Istisna Cum Wakala - Contract of sale of specified item. Working Capital requirement of customer can be fulfilled. Istisna’a is a contract of sale of specified items to be manufactured ISTISNA’(or constructed), with an obligation on the part of the manufacturer(or contractor) to deliver them to the Customer upon completion.
Targeted Sector Manufacturing Industries, Construction Industries.
Type of SMEs All Business Concerns.
Amount No Limits (Varies from case to case), within SME approved criteria
Repayment Mode Spot - Upon receipt of Sales Proceeds from the Ultimate Buyer(s)Upon sale of goods (either to 3rd Party or in Local Market)
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral or any other security deem necessary by the bank
Pricing Fixed or Floating rate based on KIBOR.
Documents Varies from case to case - Visit our nearest designated branch for facilitation.
Designated Branches All Branches (Designated branch list attached)

DISCLAIMER 

Facility approval is subject to terms and conditions based on Bank’s risk assessment of application.


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