HABIBMETRO Islamic Investment Certificates (HIIC)

HABIBMETRO Islamic Investment Certificates (HIIC) are issued on the basis of Mudarabah; the Bank is Modarib (i.e Manager) and depositors are Rab-ul-Maal (i.e Depositors). They are available in PKR and USD, with multiple tenures to suit different investment needs and requirements.


  • Minimum amount of investment: Rs. 25,000/-
  • Profits and losses are shared by the partners according to the Islamic Shariah
  • Available in tenures 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
  • Also available in USD

How to Apply

For more information, please visit a HABIBMETRO SIRAT branch/Islamic Banking desk near you or contact us on 111-1 (HABIB)42242 .