Home Terms & Conditions

Terms & Conditions

  • Eligibility: 6 months’ membership and not exceeding 60 years of age at the end of the last installment repayment
  • Shares Multiplier Financing (SMF)
    We finance our members four times their shares/savings contributed - (1 x 4)
  • Sureties / Collateral / Lien / Floating / Fixed charges as per Finance Act
  • Share Rider: Rs. 200.00 on each installment – Save As You Service (SAYS)


Benefits & Services

  1. Schemes to plan your budget
  2. No hidden costs/charges
  3. Profit is fixed and attractive
  4. You know Al Barakah's cost & selling price
  5. Flexible repayments
  6. Your debt never increases
  7. Salary deduction facilities for government employees
  8. Islamic customer-friendly concept


Our Reserves & Funds

  1. Statutory Reserve (According to Co-operative Act 2005)
  2. Profit Equalisation Reserve
  3. Dividend Equalisation Fund
  4. Social Takaful Fund





Upcoming Events


With an initial deposit of Rs 3000, you start your first step to Makkah…

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