Considering Shariah products and market demand, IFIL's principal investment products remain focused on the followings :

Lease Finance

Leasing is the core business of IFIL.  IFIL is carrying on business of lease financing transactions of capital goods, plants and equipment, etc. for Large, Medium and Small industries both corporate and retail in nature. Some of the preferred terms and conditions are mentioned below :

• Running projects having business prospect and profitability for at least last 2 consecutive years.
• Investment amount - as per business requirement  and credit worthiness of customers.
• Tenure - maximum 72 months.
• Profit rate - 16%-19% depending upon the inherent risk of the project and creditability of client  .

Real Estate Financing (Hire Purchase Shirkatul Melk-HPSM)

HPSM is another core product of IFIL. IFIL provides real estate financing under HPSM to its customers which includes house building construction, finishing and renovation,thereof, flat purchase, factory construction, commercial space and shops purchase.Some of the preferred terms and conditions are as follows:-

• Projects at development stage; for flats and shops, IFIL prefers ready flat/shop financing.
• Investment amount : as per  business requirement  and credit worthiness of customers.
• Tenure - 60 months to 120 month.
• Profit rate - 16%-19% depending upon the cash flow and worthiness of customers.

Bai-Muajjal Financing (BAIM)

IFIL provides Bai Muajjal Financing (Trade Finance) by way of purchasing products for its clients for ultimate sale by  clients to their customers. In nature it is trade finance for buying finished products,raw materials,Some of preferred terms and conditions are as follows:-

• Business having good prospects and cash flow as well as profitability.
• Investment amount : as per business requirements  and credit worthiness of customers.
• Tenure - maximum 48 months.
• Profit rate - 16%-19% depending upon the cash flow and worthiness of customers.

SME Finance

IFIL extends Small and Medium Enterprise (SME) Financing to cater their business needs. SME is an investment scheme for the purpose of  machinery raw materials/ goods /commodities and/or fixed asset purchase to the small and medium sized trading, manufacturing, service, agriculture, non-farm activities, agro based industries etc. Some of the preferred terms and conditions are as follows:-

• Business having good prospects and cash flow as well as profitability.
• Investment amount - as per  business requirement  and credit worthiness of the customer.
• Tenure - maximum 48 months.
• Profit rate - 16%-19% depending upon the cash flow  of customers.

N.B: Profit Rate 10%  for Women Entrepreneur.

Project Finance

IFIL provides financing for specific projects of any size. It assists its clients also in the planning and implementation of such projects