Choose from Ghazanfar Bank's range of Shariah-, designed to support your business, trade, and asset financing needs with transparency and full compliance with Islamic principles.
Ambition, taking shape.Your business. Its next horizon.
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Built on trust. Designed for business.
01 / Possibility, with purpose
What’s next for your business?
Explore the bank’s four listed options. Shape the conversation around your plans.
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Assets & trade
Murabaha Contract
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);
Tenure, eligibility & collateral
Murabaha 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.
A financing option listed in the bank’s corporate range. Discuss your business requirements and the available arrangement with the team.
Product information
The official page does not publish eligibility, pricing, tenure or collateral requirements. Ask the bank to confirm availability and provide product terms for your review.
Diminishing Musharaka (Musharaka Mutanaqisah) from Ghazanfar Bank is a Shariah-compliant financing facility based on a declining co-ownership partnership. The bank and the customer jointly purchase the asset; the customer pays rent on the bank's share and periodically buys out the bank's units until full ownership is transferred - with no interest (riba) involved.
Product information
Under Diminishing Musharaka, Ghazanfar Bank and the customer jointly own the asset, each contributing an agreed share of its value. The customer pays rent (Ijarah) for using the bank's portion and, alongside the rent, periodically purchases units of the bank's share. As the customer's ownership grows, the bank's share - and the rent payable - diminishes, until the customer owns the asset outright. This makes it a fully Shariah-compliant alternative to a conventional mortgage.
Ideally any seller of goods/services would like to receive payment before the delivery of goods/services to a buyer. Similarly the buyer would also like to ensure that the goods/services bought are as per his specifications and deliveries are affected in time, before parting with the money.
Product information
A Letter of Credit is a Ghazanfar Bank-issued instrument based on Wakala, and it is a written that bridges the trust gap between buyer and seller in trade transactions — guaranteeing payment to the seller upon presentation of compliant documents while assuring the buyer that goods/services meet agreed specifications. Issued at the request of the buyer (applicant) in favour of the seller (beneficiary), involving key parties such as the LC opening bank, advising bank, confirming bank, and negotiating bank, Ghazanfar Bank issues and accepts all kinds of LC in full compliance with Shariah principles, UCP 600 international standards.
The published requirements include a certified business licence, owners’ and guarantors’ Tazkira or passport copies, financial statements and a company profile. The bank may request additional documents.
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Our Corporate Banking Services
Explore our comprehensive range of corporate banking products designed to support your business growth and financial success.
Business Accounts
Open a Shariah-compliant corporate current account with full access to online banking, cash management tools, and dedicated relationship managers — designed around your business needs.
Grow your business with Murabaha-based trade finance. We offer Letters of Credit, documentary collections, and import/export financing — all structured on Islamic principles with zero interest.
Equip your business with Shariah-compliant corporate debit cards. Manage employee expenses, settle vendor payments, and access cash from ATMs across Afghanistan — with zero Riba and zero hidden fees.
Ghazanfar Bank's Corporate Banking provides comprehensive Shariah-compliant financial solutions tailored for businesses across Afghanistan. From business accounts and trade finance to corporate cards and working capital Financing — we partner with your business to fuel growth through transparent, interest-free banking.
Experience secure and convenient banking at your fingertips. Manage your accounts, transfer funds, and access Shariah-compliant services anytime, anywhere.
