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Competitive Profit Rate
Benefit from a competitive profit rate on your Murabaha financing, agreed upfront and disclosed transparently.
Murabaha is a particular kind of sale, where the Seller (normally the Bank) expressly mentions the cost of assets (e.g. commodity / raw material / machinery / fixed assets);
Discover the advantages of Murabaha Contract financing with Ghazanfar Bank
Benefit from a competitive profit rate on your Murabaha financing, agreed upfront and disclosed transparently.
Enjoy a flexible and convenient tenure of one year, negotiable based on the nature of your business.
Fully in compliance with Islamic Shariah principles, as certified by our Shariah Board.
Finance commodities, raw materials, machinery, or fixed assets with a transparent cost-plus-profit structure.
Murabaha is not a loan on interest — it is a genuine Shariah-compliant sale of assets.
Assets can be sold for either cash or a deferred price, giving you financial flexibility.
Understand the published features and prepare for a conversation with our team.
Explore financingMurabaha is a Shariah-compliant cost-plus-profit sale arrangement where the Bank purchases assets (commodity, raw material, machinery, or fixed assets) on behalf of the customer and resells them at a declared cost plus an agreed profit margin. It is not a loan given on interest but a genuine sale of assets for either cash or deferred payment, with a tenure of one year, negotiable based on business nature.
The Murabaha Contract operates under a Shariah-compliant cost-plus-profit sale structure. The Bank purchases the required assets on behalf of the customer and sells them at a declared cost plus an agreed profit margin. This is not a loan given on interest; it is a genuine sale of assets in full compliance with Islamic Shariah principles.
The customer must provide immovable assets as collateral with a value above 150% of the financing facility. A constructive charge is placed on the stocks, raw materials, tradable goods, or equipment purchased for trading.
Businesses must meet the Credit Department requirements and provide the following documentation to apply for Murabaha financing.
For specific eligibility requirements or special circumstances, please contact your nearest Ghazanfar Bank branch.
To apply for a Murabaha Contract financing, please prepare the following documents. Having these ready will help speed up the application process. To apply for a Murabaha Contract financing, please prepare the following documents. Having these ready will help speed up the application process.
All documents must be original or certified true copies. Additional documents may be requested by the Credit Department.
Financing amounts are tailored to your business needs and Credit Department approval.
Collateral value must be above 150% of the financing facility. Final financing limits are subject to the bank's credit assessment.
Transparent pricing for all Murabaha Contract financing services
All charges are subject to change. The bank reserves the right to modify fees with prior notice to customers. Additional charges may apply for special services not listed above.
| Service | Charges |
|---|---|
| Application Processing Fee | As per bank schedule |
| Documentation Fee | As per bank schedule |
| Collateral Valuation Fee | As per bank schedule |
| Early Settlement Fee | As per bank schedule |
| Late Payment Penalty | As per bank schedule |
| Account Maintenance Fee | Free |
| Profit Tax Deduction | As per government regulations |
Get answers to common questions about Murabaha Contract financing and our Islamic banking services.
Businesses must meet the Credit Department requirements and provide the following documentation to apply for Murabaha financing.
All documents must be original or certified true copies. Additional documents may be requested by the Credit Department.
Collateral value must be above 150% of the financing facility. Final financing limits are subject to the bank's credit assessment.
All charges are subject to change. The bank reserves the right to modify fees with prior notice to customers. Additional charges may apply for special services not listed above.
Access Shariah-compliant asset financing through our Murabaha Contract. Whether you need commodities, raw materials, machinery, or fixed assets, Ghazanfar Bank provides transparent and competitive financing solutions. Apply online or visit any of our branches nationwide.
Need assistance? Call our customer service at +93 (0) 20 220 2345 or email us at info@ghazanfarbank.af
Product information adapted from Ghazanfar Bank's official murabaha contract page (opens in a new tab). Confirm current terms and availability with the bank.
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