Innovative fintech, built for Pakistan.
Shaamilkar is a SECP-licensed NBFC building Shariah-aligned financial technology — designed to be simpler, fairer, and genuinely trusted.
Finance should enable opportunity
We're building ethical, technology-enabled financial products rooted in transparency, fairness, and long-term value.
Make ethical finance simple, accessible, and trusted.
Deliver Shariah-aligned alternatives that simplify access to financing — and encourage responsible, sustainable financial behaviour.
A future where ethical finance is the standard — not the alternative.
A more inclusive, trustworthy financial ecosystem where individuals and businesses can grow with confidence.
Frequently Asked Questions
Everything you need to know about Shaamilkar, our SECP licensing, and Shariah-compliant financing.
Yes. Shaamilkar Financial Services (Private) Limited is an active Non-Bank Finance Company (NBFC) licensed and regulated by the Securities and Exchange Commission of Pakistan (SECP) under License No. SECP/LRD/166/SFSPL/2024.
Shaamilkar strictly operates on ethical Islamic principles without interest (Riba). All transactions are structured as Murabaha (cost-plus sale) where goods are purchased at cost and sold with transparent profit margins paid in installments. All contracts and workflows are independently reviewed and certified by our Shariah advisory board.
Registered merchants, commercial distributors, and verified retail buyers operating in Pakistan who complete our digital KYC verification and credit risk evaluation are eligible.
Shaamilkar Tajir is an embedded, Shariah-compliant transactional finance platform. It enables merchants to receive instant payment on sales while providing retail buyers and small businesses flexible credit terms structured under asset-backed Murabaha contracts.
Under SECP digital lending regulations, Shaamilkar Tajir provides financing of up to PKR 3,000,000 (Rs 3 Million) for eligible micro-entrepreneurs, SMEs, and retail traders across Pakistan.
Repayments are made in simple fixed installments. In strict compliance with Shariah guidelines, no compound interest or compounding penalties are ever charged. Any recovery fees are strictly capped and directed toward charitable purposes.
Let's build the future of ethical finance.
Customers, partners, regulators, investors — we'd love to talk.