Your UBL Ameen Certificates of Islamic Investment is taken under Shariah compliant terms of Mudarabah. We as Mudarib pool your funds together with other depositors’ funds and invest them for a profitable return. Because we manage a large pool comprising many different investments, we reduce individual risks and further mitigate them through Takaful (Islamic Insurance), and of course very close monitoring. That is why we generally make profits. For the management of your pooled funds, we share the profit with you but if there is a loss we bear the loss in terms of the cost of managing the pool.

Every product of UBL Ameen goes through a process of Shariah Compliance Certification by our Shariah Advisor. Moreover, these products meet the guidelines of the Shariah Board of the State Bank of Pakistan, comprising of eminent scholars from various schools of thought.