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141 articles
National Savings Sarwa vs Islamic Bank Deposits (2026): Government vs Bank Profit Rates
Sarwa's government window paid 11.10% on savings in July 2026 while Islamic banks declared 7.04% to 7.84%. The state pays more; the banks show more. Your test decides which gap matters.
Akhuwat vs Bank Islamic Financing (2026): When Interest-Free Microfinance Beats a Bank
Akhuwat lends at a published 0% under Qard-e-Hasan, with Rs 424.75 billion disbursed by June 2026. Banks price at KIBOR plus spreads but lend millions more. Income and ticket size decide.
Raqami vs Traditional Islamic Banks (2026): Is Digital-Only Ready?
Raqami's June 2026 deposit sheet paid 10.00-11.50%, far above incumbents' 7.04-7.84%. But it has no financing products and thinner disclosure. Ready for savings, not yet for banking.
Is Meezan Bank Really Islamic? An Evidence Review (2026)
Meezan Bank publishes signed fatwas, a Taqi Usmani-chaired Shariah board and monthly profit weightages. We reviewed the documents, the charity fund rules and the KIBOR question honestly.
Is VPS Halal? Pakistan's Islamic Pension Question (2026)
Islamic VPS funds are halal per mainstream scholars: sub-funds hold only screened assets under named Shariah boards, and the Section 63 tax credit is a tax reduction, not interest. The evidence.
What Happens to Your Loan if You Die? Islamic Financing and Death in Pakistan (2026)
Most Pakistani Islamic home and car financing bundles takaful that settles the outstanding amount on death, so the asset passes to heirs. How the cover works, bank by bank, and the gaps to check.
How Much Deposit Do You Need for Islamic Home Financing in Pakistan? (2026)
Plan for 20% to 35% of the property value as your own equity in standard Islamic home financing, or just 10% under the government Apna Ghar scheme. Every major bank's published ratio, compared.
Is Credit Card Use Halal in Pakistan? (2026)
Carrying a balance on a conventional credit card is riba and clearly haram. Scholars differ on cards paid in full every month, and Pakistan now has Islamic card options. The positions, honestly.
Halal Finance in Punjab (2026): Banks, Home Financing and Investing Guide
Punjab has the deepest halal finance coverage in Pakistan: seven of Dubai Islamic's eleven listed home financing cities, BOP Taqwa's conversion, and the province's own Islamic pension mandates.