Supporting Growth Through Shariah-Compliant Business Financing

IFIC Bai Murabaha Aamar Subornogram Biniyog is an Islamic financing solution for CMSME and retail clients, designed to meet working capital or business expansion needs under Shariah principles.

Under the Murabaha (cost-plus sale) model, the Bank purchases goods as per your requirement and sells them to you at a disclosed profit, payable in installments.

Finance Amount

• Without Collateral: BDT 50,000 – 5,00,000
• With Collateral: Up to BDT 20,00,000
• Overall Limit: Up to 70% of collateral value or 90% of financial instrument (whichever is lower)

Tenure

• Minimum: 1 year
• Maximum: 5 years

Features

• Designed for CMSME and Retail clients
• Bank ensures ownership of goods before sale
• Security deposit (Hamish Jiddiya) may be required
• Profit fixed at the time of agreement
• Transparent and interest-free structure

 

Eligibility

• Must be a Bangladeshi citizen
• Have an account with IFIC Bank
• Own property in your name
• Reside at current address for at least 6 months
• 1 year (salaried) or 2 years (self-employed) experience

Why Choose Bai Murabaha Aamar Subornogram Biniyog

• Ethical business finance aligned with Shariah principles
• Flexible collateral options
• Transparent cost and profit disclosure
• Ideal for CMSME and retail businesses

Get Started

Grow your business confidently with IFIC Bai Murabaha Aamar Subornogram Biniyog.
Visit your nearest branch or uposhakha to learn more.