Dubai Islamic Bank Personal Loan in Pakistan 2024 Online Apply

Securing a personal loan can be a practical financial solution to achieve various goals, such as funding purchases, consolidating debts, or covering unexpected expenses. Dubai Islamic Bank (DIB), known for its commitment to Islamic banking principles, offers personal loans with 100% Sharia compliance. In this guide, we’ll walk you through the eligibility criteria, required documentation, funding amounts, and a step-by-step process to obtain a Dubai Bank personal loan without interest.

Dubai Islamic Bank Personal Loan in Pakistan 2024 Online Apply

Dubai Islamic Bank Personal Loan Requirements

Minimum Salary:

  • Salaried individuals are eligible to apply.
  • Government employees should have a minimum gross monthly income of PKR 30,000.
  • Contractual employees from known companies A and B should have a minimum gross monthly income of PKR 40,000.

Documents Required

  1. Duly filled Application form:
    • Personal and financial information, such as name, address, employment details, and desired loan amount.
  2. Balance transfer undertaking:
    • For customers transferring existing outstanding loans from another bank to DIB.
  3. Two recent passport-size photographs:
    • Meeting specified size, background color, and clarity requirements.
  4. Copy of CNIC:
    • Proof of identity and legal status in Pakistan.
  5. Other relevant documents:
    • Proof of income, proof of residence, bank statements, employment verification, and any additional documents requested by the bank.

Dubai Islamic Bank Personal Loan Key Features

  • 100% Shari’a Compliant:
    • Adherence to Islamic financing guidelines.
  • Riba Free:
    • Avoidance of interest-based transactions.
  • Lower rates:
    • Competitive and lower rates compared to conventional banks.
  • Financing limit:
    • Ranges from PKR 50,000 to PKR 2 Million.
  • Tenor:
    • The repayment period ranges from 6 to 60 months.
  • Free processing of application:
    • No additional charges during the application process.
  • Monthly installments:
    • Structured repayment through monthly installments.

Dubai Islamic Bank Personal Loan Apply

Step-by-Step Guide:

  1. Approach the Bank:
    • Visit the nearest branch or explore the official website to gather information about loan products, eligibility criteria, and documentation.
  2. Credit Approvals:
    • Bank evaluates creditworthiness based on income, employment status, credit history, and relevant factors.
  3. Purchase of Specified Goods:
    • Bank purchases goods on behalf of the customer, identified based on personal needs and approved loan amount.
  4. Possession by the Bank:
    • Bank takes possession of the goods to align with Islamic financing principles.
  5. Sale to the Customer:
    • Bank sells the goods to the customer with agreed-upon terms and conditions.
  6. Transfer of Goods:
    • Goods transferred to the customer through a Delivery Order or Delivery Challan.

Dubai Islamic Bank Personal Loan Calculator

Dubai Islamic Bank Personal Loan Interest Rates

  • Sharia-compliant profit-sharing basis.
  • Profit rate varies based on loan amount, tenure, creditworthiness, and market conditions.

Dubai Islamic Bank Personal Loan Contact Number | Dubai Islamic Bank Helpline

  • Helpline: 111-786-DIB (342)
  • Complaints: 111-786-342

Dubai Islamic Bank Personal Loan Pros And Cons


  • Shariah Compliance
  • Competitive Profit Rates
  • Flexible Financing
  • Convenient Repayment Terms
  • Quick and Convenient Application Process


  • Eligibility Criteria
  • Limited Reach
  • Potential fees
  • Limited Flexibility in Investment Choices
  • Market Volatility


  1. Loan Amount:
    • Up to 2 Million PKR for Pakistani Nationals, and 2 Million AED for UAE Nationals.
  2. Maximum Loan Tenure:
    • 60 Months.
  3. Minimum Income Requirement:
    • 3,000 AED for expatriates; specific to UAE residents.
  4. Tenure of Deferment Facility:
    • Up to 3 Months, subject to supporting documents and bank discretion.
  5. Eligibility Criteria:
    • Age, income, employment status, and creditworthiness.
  6. Early Repayments:
    • Usually allowed, review terms for potential fees.
  7. Application Processing Time:
    • Varies; check with the bank for details.

This comprehensive guide provides insights into obtaining a Dubai Bank personal loan, ensuring adherence to Islamic principles, and meeting diverse financial needs. Keep in mind that details may vary based on the bank’s policies and individual loan agreements.

Note: Please note that all the information provided in this post is obtained from official sources and other reliable resources. It is advised not to share your ID card number or mobile phone number here. Thank you for your understanding. We are solely focused on sharing information on

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