Interest Free Loan Application Form and
Guideline
THIS APPLICATION FORM MUST BE FILLED BY THE CANDIDATE
(APPLICANT) HIMSELF / HERSELF
THIS APPLICATION FORM MUST BE FILLED BY THE CANDIDATE (APPLICANT)
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NO APPLICATION WILL BE ENTERTAINED WITHOUT THE FOLLOWING
DOCUMENTS, “APPLICATION WILL BE CANCELLED WITHOUT INTIMATION”
1) Two (02) Recent passport size photographs
2) Copy of CNIC
Self / B-Form (if CNIC not applicable)
Parents (Father, Mother) / Guardian
Spouse
Siblings / B-Form (if CNIC not applicable)
3) Domicile certificate (Self)
4) Admission letter (for new admission)
5) Photocopies of all Academic Certificates / Degrees / Marks Sheets / Transcripts
6) Copies of last and latest (unpaid) fee vouchers / receipts of self and Siblings
7) Copy of latest unpaid fee vouchers
8) Up to date fee ledger
9) Updated resume (C.V) self
10) Income Certificate / Pay-slip / Pension Book – Slip (if Applicable)
Self
Parents / Guardian
Spouse
Siblings
11) Income tax return of all family members
12) Bank statement of last six (06) months (latest) of all family members having an account
13) Photocopies of latest three (03) months paid utilities bills
Electricity
Gas
Telephone
Water
14) Copy of Rent / Tenancy Agreement (if applicable)
15) Death certificate (if / whenever applicable) of parents, siblings & spouse (if any)
16) Statement of purpose (SOP)* in life
*SOP means:
➢ What the applicant wants to do in his/her life
➢ What ambitions you have, what special you have done in the past
➢ What peculiar and special qualities and personal attributes you posses which makes you
eligible for Ihsan Trust’s Qarz e Hasna (Interest Free Loan) scheme
➢ What plans you have for your country Pakistan to make it a better place to live
Note:-
Kindly do not mention the financial position and / or requirements at all in the statement of purpose.
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Do’s:
THIS APPLICATION FORM MUST BE FILLED BY THE CANDIDATE
(APPLICANT) HIMSELF / HERSELF
▪ The applicant must visit Ihsan Trust website before interview and must LIKE (Follow
See First) Ihsan Trust’s social media channels i.e. Ihsan Trust Facebook page &
Instagram page.
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▪ Incomplete Forms or Forms without supporting documents shall not be considered
“APPLICATION WILL BE CANCELLED WITHOUT INTIMATION”.
▪ Submit your application form to your university’s Focal Person / Financial Aid
Officer only.
▪ Put all documents in right order as per above (1 to 16).
▪ Do consult with parent(s) / guardian(s) for financial data accuracy & reliability.
▪ For the information not present/relevant in the application form write in capital
letter N/A.
Do Not:
▪ Provide False / unclear / incomplete information.
▪ Provide expired CNIC of Self, parents / guardian and siblings.
▪ Send the application form directly to Ihsan Trust.
(Please attach additional sheet if required to mention any additional detail regarding the
fields present in the form).
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Ihsan Trust (IT)
Colored
Photo
Qarz e Hasna (Interest Free Loan) Application form
Applicant’s personal and family information
Date:
Full Name of the applicant: _ Father’s Name:
Applicant’s CNIC no. - - Date of Birth: D D M M Y Y Y Y
University/Institute Name: Roll No. / Reg. No.: Program:
Marital Status: Single Married Res PTCL: Applicant’s Cell No: _
Present address:
Permanent address:
Applicant’s Email Address: _ Current Semester / Year: Total No. of Semester / Year:
Examination structure: Semester / Yearly
Current GPA: CGPA:
Parent’s information
Father / Guardian Mother Spouse (if any)
Name
CNIC no.
Residential address
(if different)
Email
Occupation
Designation
Name of the
Organization
Monthly income
Pension (if retired)
Cell no.
Explain in detail, why are you applying for the Interest free Loan from Ihsan trust?
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Family member’s details: Parents, (Sisters and Brothers (married and Unmarried)):
Marital School/Institute
S. No Name of Family Member Relationship Age Cell No Occupation /Office
Status
1
2
3
4
6
7
8
Academic qualifications:
Degree School / Institute Grade Passing Year
Metric / O-Level
Intermediate / A-Level
Bachelors
Masters
Other Qualification
Examinations to be taken in your Current Program
S. No Examination/Level Month/Year
Which other college/universities did you apply to? Where did you get accepted? Why did you choose to attend this one?
What are your academic plans for the future?
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What are your long term personal aspirations?
What are your aspirations for your career?
Financial Appraisal
Who has paid your school or college fee up till now? How much that has been (per annum)?
Father Mother Guardian Other (specify)
Have your general financial conditions changed in the recent years? Or are there any reasons to believe that they may change
in the days to come?
Are any of the family members beside father/mother/guardian supporting your educational expense at this institute? If yes, then
please state the amount contributed and your relationship with that person. Rs. .
Per Semester Fee: Outstanding Fee (if any): (provide fee summary)
How you would be able to return the amount to IT enabling it to provide similar facilities to other applicants?
What alternate arrangements have you made or are able to make in case Financial Assistance is not approved?
Please state (Mandatory) the tentative requirement of Loan desired from IT (keeping in view Fee required for
the complete program). Without this information (requirement), APPLICATION WILL BE CANCELLED WITHOUT
INTIMATION. Ihsan Trust will not support 100% of the fee; the student has to (must) contribute a certain portion of the fee.
S. No Semester / Year Total Fee Cost Own Contribution Loan Required
1
2
3
4
5
6
7
8
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Financial assistance previously received (if any)
Name of organization Type of assistance Amount applied for Amount received
Details of employment prior to admission: (if applicable)
Name of the Organization:
Designation: Experience in years:
Salary per month during the program (Rs.): Other benefits:
(Please attach a salary slip of the last drawn salary)
Status of the job during the program: Working: On leave with pay: On leave without pay: Resigned:
Did you ask the organization to sponsor your educational expense for this program? If yes,
outcome amount Rs.
If resigned, Date of resignation Commutation received:
Description In the name of Name of the bank Closing Balance in
Bank Account
Bank Accounts
(for all family
members)
Total Cash in hand
Total
(Please note that the bank statement should be for full year and should be latest)
Please mention the expenditure of transportation for the family which will include Public transport and private transport (please
specify the expenditure)
Have you or any of your family members been oversees in the last two years? If yes, then please specify the amount spent your
relationship with that person and sponsoring agency (if any).
Monthly household Ration expenditure (please specify):
Medical expense (please specifies and attaches medical certificates):
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Details of Income
Main sources of Income:
S. No Type Income sources (Rs.) Father Mother Self Siblings Spouse Total
1 Salary
2 Allowances
3 Annual Bonus
4 Leave encashment
5 Assistance for travel
Salary Income
Other
6
(Please specify)
7 Total Gross Salary
Less deductions
8 Income tax
9 Provident fund
10 Loan(s)
Other
11 Salary deductions (please specify)
12 Total deductions
Net Salary
13 Pension
14 Annual Income
Less annual
15
expense
Business
16 Income/Agriculture Agriculture Income
Income
Total business
17
Income
18 Bank deposit
19 From house property
From business
20
property
21 Shares/securities
Other Income
22 Others (specify)
Total (Rs.)
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Details of expenditure
Family members studying:
Fee per Private Boarding
Stationary
Name Relationship Name of institution (if studying) month Tuitions and
expenditure
(Rs.) fee lodging
House Detail: Owned Rental
Please mention details of your rental expenditure (if any)
Size of the house (yards) Monthly rent (Rs.) Deposit/Advance (Rs.) Yearly expenditure
Utility Expenditure (Rs.)
Last 3 months
Month Telephone Electricity Gas Water Total
Other expenditure (if any):
Legal expenditure Loan Repayment Donation Payment of Insurance
(please specify) premium (please mention
the thing insured)
Total family expenditure – Monthly (Rs.)
(a)Total (b)Total rental (C)Total (d)Ration (e)Medical (f)Total (g)Total other
Education expenditure transportation Expenditure Expenditure Utilities expenditure
Expenditure expenditure (if any) Expenditure
(average of 3
months)
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Total family expenditure (monthly):
Description Amount (Rs.) Description Amount (Rs.)
Total monthly income Total yearly income
Total monthly expenditure Total yearly expenditure
Net monthly disposable income Net annual disposable income
If the net annual disposable income is in negative then please state the source you use to meet your needs.
Details of Asset / Property (please mention the current market value in Rs.)
House Hold Items
Description Yes/No Quantity Current Value (Rs.) Registration No.
Air Condition
Car
Motor Cycle
Television
Computer/Laptop
Total value of property owned (Rs.):
Value of asset Father Mother Spouse Self Brother/Sister/children Total
Business
Land and building
Saving a/c and
deposits
Shares/securities
Others
Total
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Instructions
Kindly read the points below and reproduce (rewrite word to word) all these points in your
own hand writing on the next page attached (Extra sheet can be attached if needed). Without
this Undertaking (Mandatory), APPLICATION WILL BE CANCELLED WITHOUT INTIMATION.
UNDERTAKING
a) We understand that the approval of the above facility will be evaluated by the IT on “Need‐cum‐
Merit” basis, and on the availability of the resources. Decision of the IT will be final.
b) We undertake that the applicant will try his level best, never to work for any organization which is
involved in spreading/promoting Interest/Usury and will always strive to promote Islamic Banking
and Finance.
c) We believes in the unity and oneness of Almighty Allah, in the absolute and unqualified finality of
the Prophet hood of Muhammad (peace be upon him), the last of the prophets, and do not believe
in, or recognize as a prophet or religious reformer, any person who claimed or claims to be a
prophet, in any sense of the word or of any description whatsoever, after Muhammad (Peace be
upon him).
d) The information given in this application is complete and true to the best of our knowledge and we
understand that any incorrect information will result in the cancellation of this application. Further,
if any information given in this application is found incorrect or false after grant of financial
assistance, IT will stop further aid.
e) If the student is awarded any other financial aid (scholarship) during the tenure of Interest free
Loan, we will immediately inform IT about it.
f) We will always choose Islamic Banking and Finance over conventional banking and will not support
any sort of interest-based transactions.
g) We will never knowingly and willingly get involved in any sort of exploitation, cheating, gambling,
fraud or any other unethical behavior whatsoever, classified as such by societal or Islamic standards,
whether in our personal life or professional life.
h) We will strive to work towards the betterment of the society, our beloved country Pakistan and of
the Muslim Ummah as a whole to the best of our ability.
i) We will uphold moral and ethical values and follow the code of conduct in the university, workplace,
and at home, according to societal and Islamic standards.
j) We will be fair, honest, and kind in dealings with peers including, but not limited to, family, relatives,
friends, neighbors, colleagues, and people working us.
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k) We will be supportive of fellow Muslims who need our help, and do our best to help them out with
their needs in whatever way we can.
l) We will always strive to learn, understand and implement more religion in our lives in order to lead
a balanced and blessed lifestyle.
m) We will not support any organization, cause, movement, or idea that is against the principles of
Shari’ah and Sunnah.
n) We will always support and help our beloved country Pakistan and will never ever speak, act or work
against it.
o) We will always remain goodwill ambassadors of Ihsan Trust and will always support it in achieving
its (Ihsan Trust’s) goals.
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Applicant’s Signature Father’s / Guardian’s Signature
Mother’s Signature Spouse (if any)
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