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Overview – Islamic Investment Certificates

Allied Islamic Investment Certificates are designed to provide customers with a Shariah-compliant mode of investment. These certificates come with a range of flexible tenors and multiple profit and loss distribution options. Whether you’re looking for short-term or long-term savings, this product is tailored to support your financial goals while adhering to Islamic principles.

  • Certificates are issued under the Mudaraba structure for tenors of 1 month, 3 months, 6 months, 1 year, 3 years and 5 years.

  • Available through Allied Islamic Current and Saving Accounts.

  • Deposits are accepted for different periods as determined by the Bank from time to time.

  • Profit or loss is distributed on a Monthly, Quarterly, Half-Yearly, or at Maturity basis, subject to the Bank’s discretion.

  • Minimum investment amount: PKR 25,000 (in multiples thereof).

  • All deposits are invested strictly in Shariah-compliant avenues.

Upon maturity, the following options are available (subject to Bank approval):

  • Roll-over of both Principal and Profit

  • Profit encashment with Principal roll-over

  • Full encashment of Principal and Profit into the linked account

If encashed before maturity, the applicable weightage will be that of the nearest completed tenor as per Islamic banking policy for pool management.
For instance, a five-year Certificate encashed after one year shall be assigned the weightage applicable on one year certificate.

No premature charges or termination fees will be charged on any type of investment certificate.

  • Backed by the trust and expertise of Allied Bank

  • Fully Shariah-compliant investment vehicle

  • Suitable for personal and business Islamic financial planning

  • Transparent profit-sharing model with flexible terms