{"id":2011,"date":"2016-07-29T11:34:08","date_gmt":"2016-07-29T11:34:08","guid":{"rendered":"http:\/\/unifytrade.com\/dibbeta\/?page_id=55"},"modified":"2025-07-04T09:34:22","modified_gmt":"2025-07-04T04:34:22","slug":"personal-finance","status":"publish","type":"page","link":"https:\/\/www.dibpak.com\/index.php\/personal-finance\/","title":{"rendered":"Personal Finance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\r\n\r\n\r\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=&#8221;topcss&#8221;]\r\nDIBPL is the first Islamic bank in Pakistan to offer a Shari\u2019a compliant \u201cPersonal Finance\u201dfacility based on the Islamic Finance concept of \u201cMusawamah\u201d. The financing facility can be availed and utilized for financial needs such as education, marriage, medical expenses, credit card loans settlements, conventional loans settlements or meeting any other emergency needs in \u201cHALAL\/ISLAMIC\u201d way.<\/p>\r\n<h2>How It Works<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>The Customer (with requirement of funds for personal needs) will approach the Bank to avail Personal Finance Facility.<\/li>\r\n<li>After the required credit approvals, the Bank will purchase specified goods (e.g. cotton, meat) from a commodity supplier on spot payment basis.<\/li>\r\n<li>The goods will be identified (i.e. the location and warehouse details) &amp; disclosed to the bank by the broker.<\/li>\r\n<li>The Bank, after getting the title to and possession of the goods, will sell the goods to Customer on deferred payment basis.<\/li>\r\n<li>The possession (constructive) of goods will be given through a DO\/DC in favor of Customer.<\/li>\r\n<li>The DO\/DC issued will give absolute right to the beneficiary to possess the goods or to liquidate the same by selling it to the ultimate buyer.<\/li>\r\n<li>Special Sharia Controls have been added to ensure Sharia compliance of the product at various stages, so there\u2019s no possibility \/chance of returning goods to the original seller (directly or indirectly) and it will be strictly monitored on continuous basis.<\/li>\r\n<\/ul>\r\n<h2>Fatwa<\/h2>\r\n<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2017\/05\/Shariah-Compliance-Certificate-DIPF-English.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\">Download Fatwa - English<\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2017\/05\/Shariah-Compliance-Certificate-DIPF-Urdu.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\">Download Fatwa - Urdu<\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\r\n<h2>Features<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>100% Shari\u2019a Compliant.<\/li>\r\n<li>Riba Free solution to your immediate cash needs like education, hospitalization, marriage etc.<\/li>\r\n<li>Avoiding Riba on your existing conventional loans through our product&#8217;s balance transfer facility.<\/li>\r\n<li>Lower rates for BTF customers.<\/li>\r\n<li>Financing limit from PKR 50,000 to PKR 4 Million (Terms &amp; Conditions apply)<\/li>\r\n<li>Flexible tenor from 6 months to 48 months.<\/li>\r\n<li>Swift turnaround time and hassle free processing of your application.<\/li>\r\n<li>Affordable and competitive equal monthly installments.<\/li>\r\n<\/ul>\r\n<h2>Eligibility<\/h2>\r\n<h2>Age Criteria<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>Minimum Age = 23 years<\/li>\r\n<li>Maximum Age = 60 years&gt;<\/li>\r\n<\/ul>\r\n<h2>Who can apply for Personal Finance Facility?<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>Salaried Individual<\/li>\r\n<\/ul>\r\n<h2>In how many cities is this Facility Available?<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>Currently the product is being offered in Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad along with following cities.<\/li>\r\n<\/ul>\r\n<div style='overflow-x:auto'>\r\n<table style=\"height: 228px; width: 100%;\">\r\n<tr>\r\n<td><strong>Central Punjab<\/strong><\/td>\r\n<td><strong>North<\/strong><\/td>\r\n<td><strong>South<\/strong><\/td>\r\n<td><strong>South Punjab<\/strong><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Gujranwala<\/td>\r\n<td>Abbotabad<\/td>\r\n<td>Hyderabad<\/td>\r\n<td>Multan<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Sialkot<\/td>\r\n<td>Jehlum<\/td>\r\n<td>Nawabshah<\/td>\r\n<td>Sahiwal<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Okara<\/td>\r\n<td>Muzaffarabad<\/td>\r\n<td>Mirpurkhas<\/td>\r\n<td>Sargodha<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Sheikhupura<\/td>\r\n<td>Peshawar<\/td>\r\n<td>Sukkur<\/td>\r\n<td>Bahawalpur<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Gujrat<\/td>\r\n<td>Haripur<\/td>\r\n<td>Quetta<\/td>\r\n<td>Rahim Yar Khan<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Kasur<\/td>\r\n<td>Mirpur<\/td>\r\n<td>Tando Allahyar<\/td>\r\n<td>Burewala<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Pattoki<\/td>\r\n<td>Dadyal<\/td>\r\n<td><\/td>\r\n<td>Jhang<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Muridke<\/td>\r\n<td>Chakwal<\/td>\r\n<td><\/td>\r\n<td>Toba Tek Singh<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><\/td>\r\n<td>Attock<\/td>\r\n<td><\/td>\r\n<td><\/td>\r\n<\/tr>\r\n<\/table>\r\n<\/div>\r\n<h2>Income Criteria<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>Salaried &#8211; Prime Customers : PKR 250,000 Gross \/ month<\/li>\r\n<li>Salaried \u2013 Known Company A &amp; B Employees : PKR 30,000 Gross \/ month<\/li>\r\n<li>Salaried \u2013 Unknown Company Employees : PKR 35,000 Gross \/ month<\/li>\r\n<li>Salaried \u2013 Government Employees : PKR 30,000 Gross \/ month<\/li>\r\n<li>Salaried \u2013 Armed Forces Employees : PKR 30,000 Gross \/ month<\/li>\r\n<li>Salaried \u2013 Contractual (Known Company A &amp; B Companies): PKR 40,000 Gross \/ month<\/li>\r\n<\/ul>\r\n<h2>Finance Limit<\/h2>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>Minimum Finance Amount &#8211; PKR 50,000<\/li>\r\n<li>Maximum Finance Amount &#8211; PKR 4,000,000<\/li>\r\n<\/ul>\r\n<h2>Documents<\/h2>\r\n<p>Documents required at the time of application:<\/p>\r\n<ul class=\"list-unstyled aa-ul\">\r\n<li>Dully filled Application form.<\/li>\r\n<li>Balance transfer undertaking ( In case customer wants to transfer his existing outstanding loan from another bank)<\/li>\r\n<li>Two recent passport size photographs.<\/li>\r\n<li>Copy of CNIC.<\/li>\r\n<li>All other relevant documents ( Income documents, Bank Statement, Profession proof etc. as per customer category)<\/li>\r\n<\/ul>\r\n<h2>Shari\u2019ah related FAQs<\/h2>\r\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;What are the needs that can be fulfilled from DIPF?&#8221; el_id=&#8221;1471544834519-8ff01650-5785&#8243;]DIPF facility is granted to Customers for meeting their immediate cash needs such as Education, Marriage, Medical Expenses or Settling of outstanding Conventional Loans in a Riba Free manner.[\/vc_toggle][vc_toggle title=&#8221;How does DIPF product work?&#8221; el_id=&#8221;1471544886211-2ce07e9e-d560&#8243;]The Bank purchases specified goods (e.g. wheat, sugar, fabric etc.) from a supplier, directly or through an un-disclosed agent (Broker &amp; Alliance Partner) on spot payment basis. After taking the title to and possession of the assets, the Bank sells the same to the Personal Finance Customer on deferred payment basis. The Customer after taking the constructive possession of the goods, may liquidate the same and fulfill personal need from these proceeds.[\/vc_toggle][vc_toggle title=&#8221;How does DIPF not inherit the element of Buy Back ?&#8221; el_id=&#8221;1471544897414-26a06cb5-b8f1&#8243;]<\/p>\r\n<p>A Buy Back transaction refers to the process of purchasing the commodity for a deferred price, and selling it for a lower spot price to the same party from whom the commodity was purchased. However, in Personal Finance, the goods are purchased from a commodity supplier first, then the same goods are sold to DIPF Customer(s) and the Customer liquidates these goods by selling it to the Broker\/ Alliance partner.<\/p>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;What will be the mode of payment of installment?&#8221; el_id=&#8221;1471544928192-c9bd2ad3-50eb&#8221;]The customer can deposit the installment amount in repayment account.[\/vc_toggle][vc_toggle title=&#8221;What is the eligibility criteria for DIPF Facility?&#8221; el_id=&#8221;1471544984467-f442f283-517f&#8221;]<\/p>\r\n<ul>\r\n<li>Pakistani national and permanent resident of Pakistan.<\/li>\r\n<li>For Salaried Segment: Minimum 23 years and Maximum 60 years of age at the time of maturity.<\/li>\r\n<li>For Salaried segment: Minimum gross income of PKR. 37,000 (Net)<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who can apply for DIBPF?&#8221; el_id=&#8221;1471545006116-888b940c-4cd1&#8243;]<\/p>\r\n<ul>\r\n<li>Existing DIB customers<\/li>\r\n<li>New to Bank salaried<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;What are the documents required for DIPF Facility?&#8221; el_id=&#8221;1471545300397-328a2b20-9c69&#8243;]a. Personal Information:<\/p>\r\n<ul>\r\n<li>Application form duly signed<\/li>\r\n<li>2 recent Passport-size photographs of the applicant<\/li>\r\n<li>Copy of Applicant\u2019s Current CNIC<\/li>\r\n<li>Relevant Income Documents (as per customer category)<\/li>\r\n<\/ul>\r\n<p>b. Income Information<br \/>\r\nSalaried Individuals:<\/p>\r\n<ul>\r\n<li>Original \/ Certified copy of Bank Statement showing Salary Credit<\/li>\r\n<li>Original \/ Certified copy of Pay Slip<\/li>\r\n<li>Employer\u2019s certificate including Tenor \/Designation \/Salary<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;What are the likely dates for repayments?&#8221; el_id=&#8221;1471545317146-5060270e-a12f&#8221;]The EMP date can be 3rd, 11th, 15th, 21st and 27th of the month depending on the date of disbursal.[\/vc_toggle][vc_column_text]<\/p>\r\n\r\n<br>\r\n<h2>Product related FAQs<\/h2>\r\n<p>[\/vc_column_text][vc_toggle title=&#8221;Can co-applicant\u2019s income be clubbed for the approval of financing limit?&#8221; el_id=&#8221;1471545588055-7ae9b993-a806&#8243;]Co-applicant\u2019s income is not required to be clubbed for enhancement of the financing limit. Only applicant\u2019s income will be considered for the approval of financing limit.[\/vc_toggle][vc_toggle title=&#8221;How much time does the Bank take to approve the case?&#8221; el_id=&#8221;1471545713493-1032f578-6509&#8243;]Generally cases are processed and approved within 2-3 weeks, subject to submission of complete documentation \/ information.[\/vc_toggle][vc_toggle title=&#8221;What are the costs associated with availing the DIPF facility?&#8221; el_id=&#8221;1471545711594-8d282641-442e&#8221;]The customer will need to pay Processing Fee:<\/p>\r\n<ul>\r\n<li>Up to PKR 5,000\/-<\/li>\r\n<\/ul>\r\n<p>The fee is charged subject to approval of facility. This fee will be inclusive of all legal documentations, verification and other charges etc.[\/vc_toggle][vc_toggle title=&#8221;Is the processing fee refundable to the Customer in case his application is rejected?&#8221; el_id=&#8221;1471545738658-26a0fb5e-a547&#8243;]Processing fee is charged after the case is approved. Therefore if the application is rejected there is no need for refunding the same.[\/vc_toggle][vc_toggle title=&#8221;What is the maximum limit of DIPF facility?&#8221; el_id=&#8221;1471545632098-01d05311-55d2&#8243;]We offer this facility ranging from PKR 50,000 to PKR 4,000,000. The facility amount and the tenure for individual cases are based on the sole discretion of the Bank.[\/vc_toggle][vc_toggle title=&#8221;What is the minimum and maximum tenure for DIPF?&#8221; el_id=&#8221;1471545801351-46dcdb45-066b&#8221;]The minimum tenure for DIPF is 6 months and the maximum tenure is 48 months. We offer this facility in the multiples of 6 months. You can choose a tenure ranging from 6, 12, 18, 24, 30, 36, 42 or 48 months).[\/vc_toggle][vc_toggle title=&#8221;What is the eligibility criteria for DIPF Facility?&#8221; el_id=&#8221;1471545816276-eddf4987-d5b6&#8243;]<\/p>\r\n<ul>\r\n<li>Pakistani national and permanent resident of Pakistan.<\/li>\r\n<li>For Salaried Segment: Minimum 23 years and Maximum 60 years of age at the time of maturity.<\/li>\r\n<li>For Salaried segment: Minimum gross income of PKR. 37,000 (Net)<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;Who can apply for DIBPF?&#8221; el_id=&#8221;1471545833910-ea329a52-aadf&#8221;]<\/p>\r\n<ul>\r\n<li style=\"list-style-type: none;\">\r\n<ul>\r\n<li>Existing DIB customers<\/li>\r\n<li>New to Bank salaried<\/li>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;What are documents required for DIPF facility?&#8221; el_id=&#8221;1471549042287-8f78eae2-25f6&#8243;]a. Personal Information:<\/p>\r\n<ul>\r\n<li>Application form duly signed<\/li>\r\n<li>2 recent Passport-size photographs of the applicant<\/li>\r\n<li>Copy of Applicant\u2019s Current CNIC<\/li>\r\n<li>Relevant documents (Income Documents etc.. as per customer category)<\/li>\r\n<\/ul>\r\n<p>b. Income Information<\/p>\r\n<p><u>Salaried Individuals:<\/u><\/p>\r\n<ul>\r\n<li>Original \/ Certified copy of Bank Statement showing Salary Credit for last 06 months OR<\/li>\r\n<li>Original \/ Certified copy of Pay Slip for last 03 months<\/li>\r\n<li>Employer&#8217;s certificate including Tenor \/Designation \/Salary<\/li>\r\n<\/ul>\r\n<p><u>Business Individuals:<\/u><\/p>\r\n<ul>\r\n<li>Original \/ Certified copy of Bank Statement (last 12 months)<\/li>\r\n<li>2 years Proof of Business (e.g. Tax return \/ Bank Certificate\/ NTN Certificate \/ any other document)<\/li>\r\n<\/ul>\r\n<p>c. Employment and Business Tenure:<\/p>\r\n<p><u>Salaried<\/u><\/p>\r\n<ul>\r\n<li>Permanent job with minimum 2 year continuous working history in a same company.<\/li>\r\n<li>Direct company contract valid till maturity date of financing (Total 1 year previous working experience is mandatory). SEP &amp; Business Individuals:<\/li>\r\n<li>Permanent job with minimum 1 year continuous working history in a same industry.<\/li>\r\n<li>Direct company contract valid till maturity date of financing (Total 1 year previous working experience is mandatory).<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;What is EMP?&#8221; el_id=&#8221;1471549125719-6ee84f7e-deff&#8221;]EMP stands for Equal Monthly Payments. This Payment comprises both principal and Profit components. Please use the EMP Calculator to find out the EMP you need to repay.[\/vc_toggle][vc_toggle title=&#8221;What if, the Customer doesn\u2019t need financing facility after execution of the transaction?&#8221; el_id=&#8221;1471545076819-fe209fea-396e&#8221;]In case the Customer doesn\u2019t want to avail the facility after execution of the Transaction, he will have to pay the processing fee to the Bank.[\/vc_toggle][vc_toggle title=&#8221;What are the documents required for DIPF Facility?&#8221; el_id=&#8221;1471545300397-328a2b20-9c69&#8243;]a. Personal Information:<\/p>\r\n<ul>\r\n<li>Application form duly signed<\/li>\r\n<li>2 recent Passport-size photographs of the applicant<\/li>\r\n<li>Copy of Applicant\u2019s Current CNIC<\/li>\r\n<li>Relevant Income Documents (as per customer category)<\/li>\r\n<\/ul>\r\n<p>b. Income Information<br \/>\r\nSalaried Individuals:<\/p>\r\n<ul>\r\n<li>Original \/ Certified copy of Bank Statement showing Salary Credit<\/li>\r\n<li>Original \/ Certified copy of Pay Slip<\/li>\r\n<li>Employer\u2019s certificate including Tenor \/Designation \/Salary<\/li>\r\n<\/ul>\r\n<p>[\/vc_toggle][vc_toggle title=&#8221;What are the likely dates for repayment through Equal Monthly Payment (EMP)?&#8221; el_id=&#8221;1471549506891-37d7fdd2-ba9d&#8221;]The EMP date can be 3rd, 11th, 16th, 21st and 27th of the month depending on the date of disbursal.[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\r\n<h3>Shari&#8217;a Video<\/h3>\r\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061acf4\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Mufti Hassaan Kaleem - IN VISTA '15 - Islamic Banking Seminar<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061acf4 video-link-text\" data-class=\"content-69dcf9061acf4\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Mufti Hassaan Kaleem<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/rDQCH93ThF4?rel=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe> \n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div><div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061ad6f\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Islamic Bank kia khidmat farham karta hai?<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061ad6f video-link-text\" data-class=\"content-69dcf9061ad6f\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Islamic Bank kia khidmat farham karta hai?<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/R_rT64Z9fZ4?rel=0\" width=\"100\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div><div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061adc1\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Sood kia hai?<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061adc1 video-link-text\" data-class=\"content-69dcf9061adc1\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Sood kia hai?<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/9RlEbWjYgp0?rel=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div><div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061ae0d\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Islamic Banking ki Zaroorat<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061ae0d video-link-text\" data-class=\"content-69dcf9061ae0d\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Islamic Banking ki Zaroorat<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/Uka7waVqv9w?rel=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div><div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061ae57\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Mufti Hassan Kaleem TVC 3<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061ae57 video-link-text\" data-class=\"content-69dcf9061ae57\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Mufti Hassan Kaleem TVC 3<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/rn6EfI61VUY?rel=0\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div><div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061ae9f\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Mufti Hassan Kaleem TVC 2<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061ae9f video-link-text\" data-class=\"content-69dcf9061ae9f\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Mufti Hassan Kaleem TVC 2<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/vqCWEziXDrQ?rel=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div><div class=\"ult-modal-input-wrapper ult-adjust-bottom-margin \"><span style=\"color:#166936;cursor:pointer;\" data-class-id=\"content-69dcf9061aeec\" class=\"overlay-show video-link-text-link  ult-align-left\" data-overlay-class=\"overlay-cornerbottomleft\">Hassaan Kaleem TVC 1 64 Sec<\/span><\/div>\n<div class=\"ult-overlay content-69dcf9061aeec video-link-text\" data-class=\"content-69dcf9061aeec\" id=\"button-click-overlay\" style=\"background:rgba(51,51,51,0.8); display:none;\">\n\t<div class=\"ult_modal ult-fade ult-medium\">\n\t\t<div class=\"ult_modal-content\" style=\"\">\n\t\t\t<div class=\"ult_modal-header\" style=\"color:#333333;\">\n\t\t\t\t<h3 class=\"ult_modal-title\">Hassaan Kaleem TVC 1 64 Sec<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"ult_modal-body ult-youtube\" style=\"\">\n\t\t\t<iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/kxQ-SHEGKbI?rel=0\" width=\"100%\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\t\t\t<\/div>\n\t<\/div>\n\t<\/div>\n\t<div class=\"ult-overlay-close\">Close<\/div>\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\r\n<h3>Contact Details<\/h3>\r\n<p>For more details visit our nearest Sales &amp; Service Centre or Branch or please call DIBPL Phone Banking at 111-786-DIB (342)[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\r\n\r\n\r\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=&#8221;topcss&#8221;] DIBPL is the first Islamic bank in Pakistan to offer a Shari\u2019a compliant \u201cPersonal Finance\u201dfacility based on the Islamic Finance concept of \u201cMusawamah\u201d. The financing facility can be availed and utilized for financial needs such as education, marriage, medical expenses, credit card loans settlements, conventional loans settlements or meeting any other emergency &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.dibpak.com\/index.php\/personal-finance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Personal Finance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":57773,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/2011"}],"collection":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/comments?post=2011"}],"version-history":[{"count":78,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/2011\/revisions"}],"predecessor-version":[{"id":57774,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/2011\/revisions\/57774"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/media\/57773"}],"wp:attachment":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/media?parent=2011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}