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Business Long Term Products is composed of following:

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 All Sector – There is requirement of procuring Raw Material
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode At spot, In installments or In lump sum after a certain time
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
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 All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode At spot, In installments or In lump sum after a certain time
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
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 All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode At spot
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
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 All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode Spot Rate
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
Documents Varies from case to case – Visit our nearest designated branch for facilitation.
Designated Branches All Branches  (Designated branch list attached)
Details of Product Shares Murabaha- Financing for purchase of Shari’ah compliant shares extended to Stock Brokers & individuals where the transaction is done on “cost plus profit” basis.
Targeted Sector All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode At spot, in Installments or in lump sum after a certain time
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral, Shares
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
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 All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode Spot – Upon receipt of Sales Proceeds from the Ultimate Buyer(s)
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
Documents Varies from case to case – Visit our nearest designated branch for facilitation.
Designated Branches All Branches  (Designated branch list attached)
Details of Product Tijarah cum Wakala- Based on sale (Musawamah) structure for commercial needs of the customer, where DIBPL purchases finished goods which are ready to sell to the buyers.
Targeted Sector All Sector (Except Service Industry)
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode At Spot, in installments or in lump sum after certain time.
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case
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 All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode Spot – Upon receipt of Sales Proceeds from the Ultimate Buyer(s)
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
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 All Sector
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
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
Pricing Varies from case to case – Relevant KIBOR + Agreed Basis Points (with customer)
Documents Varies from case to case – Visit our nearest designated branch for facilitation.
Designated Branches All Branches  (Designated branch list attached)
Details of Product Salam cum Wakala- A sales contract meeting conditions of Salam for accommodating commercial needs of customers. The bank provides spot payment to customer for differed delivery of goods/ commodity.
Targeted Sector All Sector (Except Service Industry & Traders)
Type of SMEs All Business Concerns
Amount No Limits (Varies from case to case), within SME approved criteria
Product Specification Collateral based
Repayment Mode At Spot, in installments or in lump sum after certain time
Collateral Requirement Cash, Charge, Pledge, Hypo, Collateral
Pricing Varies from case to case
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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This is an indicative calculation sheet only. DIBPL reserves’ the right to approve or reject any case subject to necessary verifications/approvals from Credit Committee DIBPL. Monthly Rent may vary subject to KIBOR benchmark movement. Takaful Rates will Apply.

ROSHAN AUTO FINANCE CALCULATOR
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This is an indicative calculation sheet only. DIBPL reserves’ the right to approve or reject any case subject to necessary verifications/approvals from Credit Committee DIBPL. Monthly Rent may vary subject to KIBOR benchmark movement. Takaful Rates will Apply.

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This is an indicative calculation sheet only. DIBPL reserves’ the right to approve or reject any case subject to necessary verifications/approvals from Credit Committee DIBPL. Monthly Rent may vary subject to KIBOR benchmark movement. Takaful Rates will Apply.

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This is an indicative calculation sheet only. DIBPL reserves’ the right to approve or reject any case subject to necessary verifications/approvals from Credit Committee DIBPL. Monthly Rent may vary subject to KIBOR benchmark movement.

Apply Now

This is an indicative calculation sheet only. DIBPL reserves’ the right to approve or reject any case subject to necessary verifications/approvals from Credit Committee DIBPL. Monthly Rent may vary subject to KIBOR benchmark movement.

This is an indicative calculation sheet only. DIBPL reserves’ the right to approve or reject any case subject to necessary verifications/approvals from Credit Committee DIBPL. Monthly Rent may vary subject to KIBOR benchmark movement.

IBAN Generator

Enter Your 15-digit account number (including Branch Code) e.g1003xxxxxxxxxxx

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Note:This calculator generates IBAN for DIBPAK accounts only.This Tool converts the entered number into IBAN formatThe generation of correct IBAN is dependent on the branch code and input of your existing DIBPAK account number.If incorrect details are entered,the Calculator will provide incorrect IBAN. DIBPAK shall not be liable for any damages which may arise due to incorrect account number entered at your end

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