SIRAT HABIBMETRO Islamic Investment Certificate (HIIC)

SIRAT HABIBMETRO Islamic Investment Certificates are available PKR and USD, with multiple tenors to suit different investment needs and requirements.

Account type Fixed Deposit
Currency PKR & USD
Eligibility Small to medium size depositors (both individuals and companies)
Deductions Subject to Zakat (in LCY), WHT & other Govt. levies applicable as per the rules
Min Investment Rs. 25,000/- or Equivalent in Other Currency
Max Investment No Restriction
Profit Pay-out Monthly, Quarterly, Half yearly or on Maturity
Pre-mature Encashment Allowed
Pre-mature Encashment Penalty No Penalty
Financing Facility Available
Auto. Roll Over Facility Available


7 & 15 days On maturity
1, 3 & 6 months On maturity
1, 2, 3 & 5 years Monthly / Quarterly / Half Yearly / Maturity

In case of pre-mature encashment profit will be paid for the number of days the deposit was held with the Bank.


  • Minimum amount of investment: Rs. 25,000/-
  • Profits and losses are shared by the partners according to the Islamic Shariah
  • Available in tenors of 1, 3, 6 months and 1, 2, 3, 5 years
  • Monthly, Quarterly, Bi-annual profit payment options are available for investments of 12 months and above
  • Profit credited to linked account automatically
  • Profit is distributed as per predetermined weightages after deducting management fee
  • Available in PKR & USD


How to Apply

To apply or get more details, visit your nearest HABIBMETRO Bank or SIRAT branch or call our 24/7 customer care center at 111 1-HABIB (42242).