Dubai Islamic Bank Business Finance
Part of PakFinHub's DIB coverage — Shari'a-compliant financing for business premises and equipment.
- Diminishing Musharaka
- Business Premises & Equipment
Business Finance is DIB's Shari'a-compliant financing product for business premises and equipment, listed by DIB alongside Auto, Home, Fleet, Consumer Durable, and Personal Finance under its Consumer Financing product set. It uses the Shirkatul Melk cum Ijara model — DIB purchases an undivided share of your business property and leases that share back to you against monthly rentals — the same joint-ownership, rental-based mechanics as Home Finance, confirmed directly on DIB's official Business Finance page. DIB markets it as the only product of its kind available in the market, with financing available up to Rs 20 million.
Business Finance Charges
| Charge | Amount |
|---|---|
| Application Processing Charges | Upto Rs 20,000 |
| Property Appraisal Charges | At actual / upto Rs 5,000 |
| Legal Charges | At actual / upto Rs 10,000 |
| Income Estimation Charges | At actual / upto Rs 10,000 |
| Title Documents Verification Charges | At actual / upto Rs 10,000 |
| Property Takaful Charges | As per rate quoted by Takaful Company |
| Cheque Return Charges | Upto Rs 1,000 |
| Late Payment Charges* | Upto 20% of the monthly rent overdue |
| Partial Settlement Processing Charges | Upto Rs 5,000 |
| Finance Enhancement Processing Charges | Upto Rs 10,200 |
| Asset Repossession Charges | At actual |
| Duplicate Payment Schedule Issuance Charge | Rs 1,000 |
| Document Retrieval Charges | Rs 1,000 |
| Tax Certificate Issuance Charges | Rs 1,000 |
| Request for change in Financing Tenor | Upto Rs 10,000 |
| Product Switching Charges to Relevant KIBOR** | Upto Rs 40,000 |
| Cash Pick-up Charges | Rs 2,000 |
| Cheque Pick-up Charges | Rs 1,000 |
On early settlement, the purchase price is calculated as the outstanding fixed rental plus any accrued and unpaid variable rental, plus accrued and unpaid supplementary rental (if any), plus a sum equal to a maximum of 20% of the outstanding fixed rental. On partial settlement, the formula uses the partial-settlement portion of the outstanding fixed rental plus accrued and unpaid variable and supplementary rental, plus a sum equal to a maximum of 5% of the partial settlement amount.
* Late payment charges are transferred to DIB's Charity Fund, per the customer's undertaking to pay charity, not retained as bank income. ** To be included in the subsequent first rental after execution of a product switching request. Source: DIB Schedule of Charges, July–December 2026, Consumer Finance – Business Finance section.
Dubai Islamic Bank Business Finance FAQs
What is Dubai Islamic Bank Business Finance?
A Shari'a-compliant financing facility for business premises and equipment, using the Shirkatul Melk cum Ijara model — DIB purchases an undivided share of the property and leases it back against monthly rentals, the same joint-ownership mechanics as Home Finance.
What is the maximum Dubai Islamic Bank Business Finance amount?
Up to Rs 20 million, per DIB's official Business Finance page, which also markets it as the only product of its kind available in the market.
How much does Dubai Islamic Bank charge to process a Business Finance application?
Up to Rs 20,000 in application processing charges, per DIB's official Schedule of Charges, plus separate appraisal, legal, and income-estimation charges.
Good For
- Business owners comparing Islamic financing options for premises or equipment
- Understanding the early and partial settlement formulas before signing
- Budgeting for processing, legal, and appraisal charges upfront
Ready to bank with Dubai Islamic Bank?
Verify current rates, offers, and terms directly with DIB Pakistan before you apply.
Similar Banks
Business Finance vs a Conventional Business Loan
The structural difference isn't cosmetic. A conventional bank lends you money and charges interest on the outstanding balance; DIB, under Shirkatul Melk cum Ijara, actually takes joint ownership of an undivided share in your business property and charges rent on its share until you've bought it out completely through your monthly payments. That distinction matters practically at default: with a conventional loan, the bank's claim is purely financial (the outstanding debt); with Business Finance, DIB retains a genuine ownership stake in the property itself until the financing is fully repaid, which is what allows the whole structure to avoid conventional interest under Shari'a principles.
What Early Settlement Actually Costs
Settling early isn't free of extra cost under this structure — the formula adds up to 20% of the outstanding fixed rental on top of what you already owe, alongside any accrued variable and supplementary rental. For a business considering paying off Business Finance ahead of schedule specifically to save on future rental payments, that 20% cap is the number to weigh against the rental you'd actually save by settling early — if the remaining scheduled rentals are small relative to the outstanding fixed rental balance, the early-settlement charge could offset a meaningful part of the intended savings.
Official Sources & Last Verified
Facts on this page were checked directly against DIBPL's official website, dibpak.com. Last verified: October 31, 2026. Rates, charges, and terms can change — treat dibpak.com as the source of truth. Every DIB fee table is collected on the Schedule of Charges page. For the Islamic contract behind this product, see DIB products and Islamic contracts explained.
More on Dubai Islamic Bank
Auto Finance (Car Ijarah)
Islamic car financing structure and rates.
Home Finance
Home Musharakah structure and rates.
Consumer Durable Finance
Shari'a-compliant financing for appliances and electronics.
Bank Overview
History, leadership, ownership, and key facts.
Bank Profile (Quick Reference)
One-page snapshot of key stats and contacts.
Careers
Career areas, eligibility, and how to apply.
For independent verification, see State Bank of Pakistan, SECP.