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The personal financing range
A starting point for your ambitions.
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A different journey
Murabaha Car Financing
Shariah-compliant financing
Murabaha Car Financing from Ghazanfar Bank is a Shariah-compliant auto finance facility based on the Murabaha (cost-plus-profit) principle. The bank purchases your chosen vehicle and sells it to you at an agreed price that includes a transparent, fixed profit margin, repayable in convenient monthly installments with no interest (riba) involved.
What to know
Under Murabaha Car Financing, Ghazanfar Bank buys the vehicle you select from an authorized dealer and resells it to you at the original cost plus a pre-agreed, fixed profit. The total price is fixed at the time of the contract and repaid in equal monthly installments over the agreed tenure, making it a fully Shariah-compliant alternative to conventional car loans.
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.
What to know
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.
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Before you decide
Clarity comes first.
Check availability
Ask which products are currently offered and whether they suit your intended purpose.
Understand the arrangement
Discuss the structure, contribution, payment terms and all applicable costs.
Know the next step
Confirm eligibility and required documents directly with the bank before applying.
Personal Banking
Ghazanfar Bank's Personal Banking gives you secure, Shariah-compliant access to your accounts through our advanced OBDX digital platform. Manage your finances, transfer funds, and access all banking services from any device — anytime, anywhere.
Our Personal Banking Products
Explore our comprehensive range of banking products designed to support your financial journey.
Accounts
Open a Shariah-compliant Current Qard ul Hasan account, or Mudarabah Savings and Fixed Deposit Account. Enjoy zero monthly fees, free debit cards, and full online banking access — tailored for your everyday financial needs.
Finance your personal goals through our Murabaha-based consumer financing. Get interest-free funding for home appliances, vehicles, and personal needs — approved quickly with transparent, Shariah-compliant terms.
Grow your wealth the Halal way with our Mudarabah Savings Account or Mudarabah Fixed Deposit. Earn profit-sharing returns on your deposits in full compliance with Islamic banking principles.
Access your money anytime with our Shariah-compliant EMV debit cards. Enjoy contactless payments, free ATM withdrawals nationwide, and worldwide acceptance — with zero Riba and zero hidden fees.
Experience secure and convenient banking at your fingertips. Manage your accounts, transfer funds, and access Shariah-compliant services anytime, anywhere.
