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Personal Finances Sukuk Finance


Our personal finance products meet your needs while staying true to your values

Sukuk Finance is a mode of Islamic financing using the Shariah compliant contract of Murabaha. Al Hilal Bank Sukuk Finance helps you purchase National Bond saving certificates according to your need. You can redeem these bonds directly from National Bonds to obtain cash to cater to your personal needs.

2.90% From
Profit rates (flat p.a.) for UAE Nationals
3.40% Fom
Profit rates (flat p.a.) for expatriate customers


  • If you apply for early settlement, you may have to pay non waived profit or fees.
  • If you do not meet the payments on your finance, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
  • Rescheduling your financing may take longer to pay off than your previous financing and may result in paying more profit.
Shariah Contract

Murabaha is a Shariah compliant sale where the seller (in this case Al Hilal Bank) discloses the actual cost incurred in acquiring the National Bond saving certificates and then sells these to the buyer (in this case Al Hilal Bank customer) for an agreed profit. The buyer is aware of the cost and profit charged.

Eligibility & Required Documentation

  • Minimum salary requirement of AED 5,000
  • A valid passport
  • Residence visa page (as applicable)
  • Latest 6 months’ bank statements
  • Any other additional documentation which may be required thereafter according to Al Hilal Bank policies and procedure

Shariah Certificate

Click here to view Shariah Certificate

Personal Finance
Click on the text box to enter your desired value. AED
AED 5,000 AED 2,000,000
Months Click on the text box to enter your desired value.
12 48
Monthly Installment
AED 423.47
Profit Rate: 3% p.a.
Terms and conditions apply
Profit rate vary by tenor & subject to bank policy
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