{"id":70,"date":"2021-01-21T13:28:57","date_gmt":"2021-01-21T13:28:57","guid":{"rendered":"http:\/\/responsivewebidea.com\/tdf\/hmb_wp\/?page_id=70"},"modified":"2024-02-19T08:58:43","modified_gmt":"2024-02-19T08:58:43","slug":"sirat-saving-account","status":"publish","type":"page","link":"https:\/\/www.habibmetro.com\/sirat\/saving-account\/sirat-saving-account\/","title":{"rendered":"SIRAT Savings Account"},"content":{"rendered":"<p>[vc_row][vc_column width=&#8221;5\/6&#8243;][vc_column_text]<\/p>\n<h1>SIRAT Savings Account<\/h1>\n<p>HABIBMETRO SIRAT Savings Account offers you the ease of earning halal profits on your savings as per the principles of Shariah.<\/p>\n<p>The Islamic savings account is based on the principle of Mudaraba, in which the bank is the Mudarib, the manager, and the depositor\/customer the Rab-ul-Maal, the depositor. The profits are shared among Rabb-ul-Maal and the Mudarib as per a pre-agreed profit-sharing ratio (PSR).<\/p>\n<p>The Mudarib invests the deposited funds in Shariah-compliant businesses and earns and distributes interest-free, halal profits. Unlike interest-based profits in conventional savings accounts, the profits in an Islamic savings account are earned through different Islamic modes including Murabaha, Istisna, Salam, Diminishing Musharakah, Ijarah, etc. The profit in business is shared by the depositors according to a pre-agreed profit-sharing ratio and loss is shared by the investors as per the investments.<\/p>\n<p>The deposited funds are invested in Shariah-compliant, and never used in concerns whose operations are incompatible with the principles of Shariah. Investment avenues such as gambling, selling of debts, short-selling, manufacturing of alcohol products or any illegal businesses are not deemed appropriate for Islamic savings accounts.<\/p>\n<p>Islamic saving accounts create the opportunity of active trade and commerce making depositors participants in halal business operations. The principles of Mudarabah promote a positive business environment and offer depositors a road map towards earning halal profits, thus paving the way for a prosperous and empowered society.<\/p>\n<p>You can open a HABIBMETRO SIRAT Savings Account with complete peace of mind, earn halal profits, and enjoy an array of freebies that make your banking experience a satisfying one.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;5\/6&#8243;][vc_column_text el_class=&#8221;how_apply&#8221;]<\/p>\n<h3>Features<\/h3>\n<ul>\n<li>Profit is calculated on an average monthly balance and paid on a half-yearly basis<\/li>\n<li>Can also be opened in PKR\/FCY currency<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h4>Free Services<\/h4>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row el_class=&#8221;services_boxes_row&#8221;][vc_column width=&#8221;1\/5&#8243;][vc_column_text el_class=&#8221;box_barx&#8221;]<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1702 size-full\" src=\"http:\/\/www.habibmetro.com\/sirat\/wp-content\/uploads\/2021\/05\/Web-Banking.png\" alt=\"\" width=\"73\" height=\"73\" \/><\/h3>\n<h6>Web Banking<\/h6>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;box_barx&#8221;]<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1702 size-full\" src=\"http:\/\/www.habibmetro.com\/sirat\/wp-content\/uploads\/2021\/05\/Web-Banking.png\" alt=\"\" width=\"73\" height=\"73\" \/><\/h3>\n<h6>Mobile App<\/h6>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243; el_class=&#8221;col-new align-self-center&#8221;][vc_column_text el_class=&#8221;box_barx&#8221;]<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1699 size-full\" src=\"http:\/\/www.habibmetro.com\/sirat\/wp-content\/uploads\/2021\/05\/Cheque-books.png\" alt=\"\" width=\"73\" height=\"73\" \/><\/h3>\n<h6>First Cheque Book<\/h6>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][vc_column_text el_class=&#8221;box_barx&#8221;]<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1700 size-full\" src=\"http:\/\/www.habibmetro.com\/sirat\/wp-content\/uploads\/2021\/05\/Fund-Transfers.png\" alt=\"\" width=\"73\" height=\"73\" \/><\/h3>\n<h6>Life Takaful Cover*<\/h6>\n<h6><\/h6>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][vc_column_text el_class=&#8221;box_barx&#8221;]<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1701 size-full\" src=\"http:\/\/www.habibmetro.com\/sirat\/wp-content\/uploads\/2021\/05\/payment-orders.png\" alt=\"\" width=\"73\" height=\"73\" \/><\/h3>\n<h6>Pay Orders<\/h6>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/5&#8243;][vc_column_text el_class=&#8221;box_barx&#8221;]<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1735 size-full\" src=\"http:\/\/www.habibmetro.com\/sirat\/wp-content\/uploads\/2021\/05\/Account-Statement-3.png\" alt=\"\" width=\"73\" height=\"73\" \/><\/h3>\n<h6>Account Statements\/E statements<\/h6>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column width=&#8221;5\/6&#8243;][vc_column_text el_class=&#8221;how_apply&#8221;]<\/p>\n<h6>*Takaful coverage up to a maximum of Rs. 1,000,000\/- (age up to 60 years) is available on maintaining an average of six-month account balance of Rs. 100,000\/- and above.<\/h6>\n<h3>Notes:<\/h3>\n<ul>\n<li>Rent Free Lockers are also available.<\/li>\n<li>If an average balance of Rs. 100K is not maintained, charges will apply as per SOC.<\/li>\n<\/ul>\n<h3>How To Apply<\/h3>\n<p>To apply or get more details, visit your nearest <strong>HABIBMETRO<\/strong> Bank or SIRAT branch or call our 24\/7 customer care center at <strong>111 1-HABIB (42242)<\/strong>.<\/p>\n<p><strong>FAQs<\/strong><\/p>\n<ul>\n<li>What is an Islamic savings account?<\/li>\n<\/ul>\n<p>An Islamic savings account is a financial product offered by Islamic banks, complying with shariah principles. It provides a secure and halal way for individuals to save their money while offering profit-sharing instead of interest.<\/p>\n<ul>\n<li>Are there specific Shariah guidelines for saving accounts?<\/li>\n<\/ul>\n<p>Yes, Islamic finance principles provide guidelines for savings accounts. These guidelines ensure that the accounts adhere to shariah principles, such as the prohibition of interest (riba) and investment in permissible (halal) assets.<\/p>\n<ul>\n<li>What is the base for Islamic saving account?<\/li>\n<\/ul>\n<p>The Islamic savings account is based on the principle of Mudaraba, in which the bank is the Mudarib, the manager, and the depositor\/customer the Rab-ul-Maal, the depositor. The profits are shared among Rabb-ul-Maal and the Mudarib as per a pre-agreed profit-sharing ratio (PSR).[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;5\/6&#8243;][vc_column_text] SIRAT Savings Account HABIBMETRO SIRAT Savings Account offers you the ease of earning halal profits on your savings as per the principles of Shariah. The Islamic savings account is based on the principle of Mudaraba, in which the bank is the Mudarib, the manager, and the depositor\/customer the Rab-ul-Maal, the depositor. The profits [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1994,"parent":68,"menu_order":145,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-70","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Islamic Saving Account - Sirat Islamic Banking<\/title>\n<meta name=\"description\" content=\"Unlock Shariah-compliant financial growth with our best Islamic savings accounts in Pakistan. 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