Agriculture Banking

Faysal Khushaal Kisan (Agri Banking)

Deposit accounts and Shariah-compliant financing built for farmers, commission agents, and agri traders.

Mudarabah-based accounts
Farm & non-farm financing
SBP-backed schemes

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Reviewed: August 16, 2026

Faysal Khushaal Kisan offers Mudarabah-based deposit accounts and Shariah-compliant financing built specifically for farmers, arthis, and agri traders.

Khushaal Kisaan Current & Saving accounts run on Mudarabah profit-sharing
Electronic Warehouse Receipt Financing funds working capital for farmers
Covers both farm and non-farm agricultural business activities
Open to individual farmers, farmer-cum-traders, and commission agents (arthis)

Faysal Khushaal Kisan is Faysal Bank's dedicated agriculture banking scheme — deposit accounts and Shariah-compliant financing built specifically for farmers, commission agents (arthis), and traders in the agriculture sector, running on the same Mudarabah and Islamic financing principles as the rest of the bank's product range.

Khushaal Kisaan Accounts

Both a Current and a Savings variant are available. The Khushaal Kisaan Current Remunerative Account and Khushaal Kisaan Saving Account operate on the Islamic principle of Mudarabah — Faysal Islamic Banking acts as Mudarib (fund manager) and the customer as Rabb-ul-Maal (fund owner), with profit determined through a Shariah-approved weightages mechanism announced monthly and losses shared in proportion to each depositor's investment. Both accounts are designed around the transactional patterns of small to large-scale agricultural producers, processors, and traders.

Agri Financing Products

Electronic Warehouse Receipt Financing (EWF)

An SBP scheme for working capital needs of small and medium farmers, farmer-cum-traders, and traders, funding the purchase of inputs for upcoming crops and covering off-season expenses.

Farm & Non-Farm Financing

Financing under the Faysal Khushaal Kisan Scheme covers both farm activities (crop and livestock inputs) and non-farm agricultural business activities.

SBP-Backed Agri Schemes

Faysal Bank channels several State Bank of Pakistan agri refinance schemes alongside its own Khushaal Kisan products, including facilities for storage of agricultural produce referenced in the bank's own financial disclosures.

Who Can Apply for Faysal Khushaal Kisan?

Eligibility covers individual farmers, farmer-cum-traders, commission agents (arthis), and agriculture traders. Applicants apply through Faysal Bank's official channels, after which the bank's designated agri banking staff make contact to guide the applicant through documentation and the rest of the process.

Frequently Asked Questions

Who is Faysal Khushaal Kisan for?

Faysal Khushaal Kisan is designed for individual farmers, farmer-cum-traders, commission agents (arthis), and agriculture traders, covering both deposit accounts and Shariah-compliant farm and non-farm financing.

Is Faysal Khushaal Kisan Shariah-compliant?

Yes. The Khushaal Kisaan Current and Saving accounts run on the Islamic principle of Mudarabah, and all associated financing is structured on Islamic modes consistent with Faysal Bank's fully Islamic status.

Good For

Understanding the Khushaal Kisaan Current and Saving account structure
Seeing what Electronic Warehouse Receipt Financing actually covers
Checking who's eligible for Faysal's agri banking products
Finding where farm and non-farm financing overlap with SBP schemes

Want the exact terms for your situation?

Speak to Faysal Bank directly — terms, eligibility, and pricing vary by relationship and are confirmed at application.

Visit Faysal Bank Official Website See FABL Bank Profile