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Financial
Bank Alfalah Islamic – Financial Inclusion for PWDs / SAP

At Bank Alfalah Islamic, we believe banking should be accessible to everyone. Our dedicated services for Persons with Disabilities (PWDs) and Specially Abled People (SAP) ensure a seamless banking experience tailored to their unique needs. Recognizing PWDs / SAP as physically challenged, visually impaired, hearing impaired, or speech-impaired, our inclusive product suite ensures accessibility, convenience, and empowerment.

Inclusive Product Suite:

  • Accounts: Current and Savings accounts designed for all PWDs / SAP.

  • Deposits & Takaful: Instalment-based TDRs and complimentary Takaful coverage for accidental death, permanent disability, and household events.

  • Virtual OPD: Free online consultation via Salaam App with qualified doctors across Pakistan.

  • Auto & Home Financing: Special Shari’ah-compliant schemes with discounted pricing, 25% waiver on processing and early termination charges, and quick approval.

Apply for Auto Finance
Apply for Home Financing

 

Takaful Coverage Benefits:

  1. Personal Accident Coverage:

    • Accidental Death & Permanent Disability: Coverage up to PKR 2,000,000 depending on account balance.

    • Coverage tiers based on monthly average balance:

      • Rs.10,000–249,999 → Rs.500,000

      • Rs.250,000–999,999 → Rs.1,000,000

      • Rs.1,000,000–2,999,999 → Rs.1,500,000

      • Rs.3,000,000 & above → Rs.2,000,000

  2. Household Comprehensive Coverage:

    • Coverage for fire, lightning, burglary, earthquake, and other accidental damages.

    • Maximum coverage: Rs.50,000 (based on maintained balance).

  3. Personal Documents Protection:

    • CNIC, Passport, and Driving License: Up to Rs.10,000 coverage.

  4. Virtual OPD Consultation:

    • Free medical consultations from 9:00 AM to 10:00 PM via Salaam App.

    • Additional benefits including lab discounts and Vouch365 vouchers.

 

Eligibility:

  • All individual, joint, and sole proprietorship accounts (Rupee & FCY) active or dormant.

  • Age: 18–65 years for Personal Accident coverage.

  • Monthly average balance ≥ Rs.10,000 for Takaful eligibility.

  • Exclusions apply for corporate accounts, military/police personnel, and certain other categories.

 

Model Branches & Accessibility:

Bank Alfalah Islamic has designated model branches to serve PWDs / SAP with accessibility features and ramps. Key branches include:

  • Shahrah-e-Faisal / Al-Tijarah, Karachi

  • Johrabad, Khushab

  • Mian Chunnu, Khanewal

  • Matta, Swat

  • Khawa Khela, Swat

  • Gujar Khan, Rawalpindi

  • DHA, Peshawar

  • Upper Dir, Dir

A full list of accessible branches can be viewed here.

 

Why Choose Bank Alfalah Islamic for PWDs / SAP?

  • Fully Shari’ah-compliant, inclusive banking products.

  • Complimentary Takaful coverage for personal and household protection.

  • Free virtual healthcare access through Salaam App.

  • Special financing solutions for Auto and Home ownership.

  • Dedicated model branches for ease of access and personalized service.

 

Banking should never be a barrier. With Bank Alfalah Islamic, PWDs and SAP can access financial empowerment, protection, and growth – all in one place.