This is the most integral department of any Takaful Company as it is responsible for giving approval for the launch of any new product, scheme or structuring/participating in any transaction in terms of it being in the scope and parameters of Islamic Principles. The Shari'ah Advisors consist of eminent Islamic economic and financial scholars. The Shari'ah Advisors will advise the management company on matters relating to Shari'ah Compliance and recommend general investment guidelines, consistent with the Shari'ah. Any verdict issued by the Shari'ah Advisors in relation to any Shari'ah related matter would be final and acceptable by the Trustee, the management company and other parties related with the matter.

Our Shariah Supervisory Board Comprises of :


Professor Rehman is a well known and renowned person in the field of Islamic Fiiqah and Shari'ah all over the world. He has vast experience in teaching of various subjects on Islam and giving Fatwa for thirty years. He has also written books on Islamic Ideology and concepts. Currently he holds the following positions at national level :

  • Principal, Darul- Uloom Naeemia, Karachi.
  • Chairman, Central Royat e Hilal Committee, Pakistan.
  • President, Tanzeem ul Madaris, Pakistan.
  • Professor, Jinnah university for Women, Karachi.
  • Ex. Director of Islamic Studies.
  • Member Federal Government Urdu University.
  • Member Board of Intermediate Education, Karachi.

He has also written books on the following :

  • Tahfeem ul Masail (3 Volumes)
  • Qanoon e Shariat (for LLB course)
  • Usool e Fiqah Islam (for LLB course)
  • Tahfat un Nisa
  • Islamiat (for Graduation course)
  • Islamiat (for Intermediate)
  • Taqabul-e-Ady
  • Regular weekly column for religious Q & A's in Daily Express Karachi


Mufti Syed Zahid Siraj is a learned Shariah Scholar. He has a vast teaching experience in the field of Arabic & Islamic subjects. He has been issuing Fatawa (Shariah Pronouncements) since Last 11 years. He has written a few books on different subjects. He is a famous debater & orator on socio-religious topics. He has been delivering lectures on Fridays & Eid Prayers since last 13 years.

Academic qualification :
  • Darajah Al-Ijazah Al-Aliyah (Graduation Level in Islamic Studies & Modern Thoughts).
  • Shadah Al-Alimiyah from Tanzeem-ul-Madaris (Ahle-Sunnat) Pakistan (2nd Position in Pakistan)
  • MA (Islamic Studies)
  • MA (Economics)
  • MA (Arabic & Islamic Culture)

Certificates :
  • Certified Islamic Banker (CIB)
  • Certified Takaful Professional (CTP)

Professional Experience :
  • Shariah Coordinator : Dawood Islamic Bank Limited.
  • Member: Shariah Supervisory Board, Dawood Family Takaful Limited.
  • Ex-Shariah Executive: Takaful Pakistan Limited.

Academic Experience :
  • Mufti & Principal: Al-Arqum Riaz-ul-Uloom, Karachi, Pakistan.
  • Ex-Lecturer: Darul Uloom Al-Kadiriah Al-Markaz-ul-Kadiri, Karachi, Pakistan.
  • Ex-Lecturer: Jamia Anwar-ul-Quran, Karachi, Pakistan.

Extra Curricular Activities :
  • Ex-Joint Secretary: Idara-e-Tahqiqat-e-Imam Ahmed Raza (International), Karachi.
  • Ex-Assistant Editor: Ma’ari-e-Raza (International), Karachi.
  • Khateeb: Jamia Masjid Al-Mustafa, Karachi, Pakistan.

Takaful - An Introduction English In Progress
Takaful - Murawwajah Insurance ka Mutabadi Urdu In Progress
A few Islamic Modes of Financing English In Progress
A’ala Hadrat Fazil-e-Barelvi and Pir Meher Ali Shah Golarvi Urdu Published
Mah-e-Haq (Short Life History of Allama Ghulam Rasool Kashmiri) Urdu Published
Azkaar-e-Haramain (Arabic Translation) Urdu Published
Nisab-e-Islam (For Children) Urdu Published
Kiya QURA’N main koi Shak hai? Urdu Published


Mufti Syed Sabir Hussain is a young Shari’ah Scholar and also has expertise in the field of IT. He has ten years teaching experience in the field of Arabic, Fiqh-e-Islami (Islamic Jurisprudence) Islamic Law of Inheritance and Islamic economics and has been issuing Fatawa (Shari’ah Pronouncements) since Last 6 years. He has been delivering Dars-e-Quran & Haidth and lectures on Fridays & Eid Prayers since last 8 years. He has written a lot of books and articles on different subjects. Questions & Answers Sessions also conducted by him at different venues, Television and Radio channels.

Academic qualification :
  • Master of Science in (Information Technology) from Hamdard University, Karachi.
  • Masters in Islamic Studies from Karachi University.
  • LLB-Part I
  • B.Com from Karachi University, Karachi in 1999.
  • D.Com (Diploma in Commerce with English Shorthand) with First Division in 1996 from Board of Technical Education, Lahore.
  • C.Com (Certificate in Commerce with English Shorthand) with First Division in 1995 from Board of Technical Education, Lahore.
  • Matriculation in 1994 from Board of Secondary Education, Gujranwala.
  • Shahadat-ul-Aalimia (M.A, Arabic and Islamic Literature) from Tanzeem-ul-Madaris, Lahore.
  • Dora-e-Hadith – Completed Eight years Aalim (Islamic Scholar) course from Darul-uloom-Amjadia, Karachi in 1999.
  • Takhas-us-Fil-Fiqh (Specilization of Islamic Jurisprudence) two years completed from Dar-ul-Uloom Amjadia, Karachi in 2000-
  • Diploma in English Short Hand from Punjab Board of Technical Education.

Internship :
  • Al-Baraka Islamic Bank, Karachi, Pakistan.
  • Bank Islam Malaysia, Kuala Lumpur, Malaysia.

Professional Experience :
  • VP / Deputy Shariah Advisor& Head of Shariah Compliance & Review : Burj Bank Limited
  • Senior Shari’ah Coordinator: Burj Bank Limited
  • Invitee Member, Shari’ah Board of State Bank of Pakistan
  • Member of Shari’ah Review Committee, State Bank of Pakistan
  • Member of Shari’ah Advisory Board. Security and Exchange Commission of Pakistan
  • Member of Shariah Supervisory Board, Dawood Family Takaful Limited
  • Shariah Advisor, BRR Guardian Modaraba & Dawood Group
  • Member Zonal (Sindh) Moon Sighting Committee

Academic Experience :
  • Khateeb in Jamia Masjid Farooqui, Gulshan-e-Iqbal, Karachi
  • Principal, Madrassa Taleem ul Quran Academy, Karachi
  • Lecturer in Jamia Anwar ul Quran, Gulshan e Iqbal, Karachi
  • Lecturer in International Islamic Mission University, Karachi
  • Ex-Lecturer & Mufti in Darululoom Amjadia, Karachi
  • Ex-Visiting Lecturer (Islamic Banking & Finance): Sheikh Zaid Islamic Centre, University of Karachi.

Books and Articles written & compiled :

Detailed Book for Bankers & Students on Shariah Guidelines for Islamic Investment سرمایہ کاری کے شرعی احکام Pulished by Al-Muneeb Shari’ah Academy
Clarification of Terminologies used in Islamic Economics & Inheritance اِصلاحاتِ اِسلامی معیشت و وراثت Published by Sheikh Zayed Islamic Centre, University of Karachi.
Forty Pearls of Wisdom of Holy Prophet on Islamic Trading اربعینِ تجارت و معیشت Published
Issues for improvement in celebrating Birth of Holy Prophet عید میلاد النبی اور چند اصلاح طلب پہلو Published
Increasing Rate of Divorce – Reasons & Solutions طلاق کی بڑھتی ہوئی شرح: اسباب و محرکات و تدارک Published
Blessings of Aitikaf اَنوارِ اعتکاف Published, Two times
Blessings of Sacrifice انوارِ قربانی Published
Why do not we make our Eid & Ramadan in accordance with Saudi Arabia? ۔ سعودی عرب کے ساتھ رمضان و عیدین کیوں نہیں Published, Two times
Electronic Media – Spread of Islam or Damaging its Image ۹۔ الیکٹرونک میڈیا: اِسلام کی تشہیر و To be Published
Concept of Charity in Islamic Banking To be Published
Takaful – Introduction & Critical Analysis To be Published
World Days in Light of Islam اِسلامی بینکاری نظام میں خیرات کا تصور To be Published
Economic Reforms of Hazrat Umar (May Allah Bless Him) حضرت عمر فاروق رضی اللہ تعالیٰ عنہ کی معاشی اصلاحات To be Published

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