Sharia'h Board

Mufti Muhammad Ibrahim Essa – Chairman Shariah Board
Mufti Muhammad Sadiq – Shariah Board Member
Dr. Mufti Muhammad Awais – Resident Shariah Board Member

Chairman – Shariah Board

Mufti Muhammad Ibrahim Essa is a well-known recognized Shariah Scholar in the field of Islamic Banking and Takaful. He has completed his Darse Nizami (Masters in Quran and Sunnah) and Takhassus fil Ifta (Specialization in Islamic Jurisprudence) from Jamiah Darul Uloom Karachi. Currently he is working as Teacher and Member of Darul Ifta Jamiah Darul Uloom Karachi.

Mufti Ibrahim Essa is associated as Chairman Shariah Board of United Bank Limited. He has also served as Chairman Shariah Board Zarai Taraqiati Bank Limited, Member Shariah Board-Habib Metropolitan Bank Limited, The Bank of Khyber and Sindh Bank. He was associated with Ernst & Young Ford Rhodes Sidat Hyder & Co as Shariah Advisor from 2007 to 2015. Mufti Ibrahim Essa is also serving as Shariah Advisor/Shariah Board Member for number of Islamic Financial Institutions both domestic and international including Kyrgystan Commercial Bank, Algbra UK, Atrium Underwriting Syndicate-Lloyds of London and EFU Takaful. He has also written more than five thousand Fatawas on different topics.

SHARIAH BOARD MEMBER

Mufti Muhammad Sadiq has more than eight years’ experience of working in various position in Islamic Banking Institutions. He has been associated with United Bank Limited – UBL Ameen Islamic Banking since 2021. Prior to his appointment as Shariah Board Member, Mufti Muhammad Sadiq was part of Shariah Compliance Department where he has taken various initiative to strengthen Shariah Compliance environment of the bank.

Mufti Muhammad Sadiq has completed his Dars-e-Nizami from Jamia Darul Uloom Karachi and holds a specialized degree in Islamic Jurisprudence, "Takhassus Fil Iftaa," from the same institution, under the guidance of Justice (Retd.) Mufti Taqi Usmani. He has also earned an MBA degree from the Institute of Business Management, Karachi and has received multiple certifications in Islamic Banking & Finance including Certified Islamic Professional Account (CIPA) from Institute of Business Administration, Karachi and Certified Shariah Advisor and Auditor (CSAA) from Accounting and Auditing Organization for Islamic Financial institution, Bahrain. He is also registered as a Shariah Advisor with Securities and Exchange Commission of Pakistan.

Mufti Muhammad Sadiq has been active in the field of issuing fatawa, teaching, and Islamic Banking and Finance since 2008. This unique blend of qualifications enables him to effectively understand, correlate, and align modern banking practices with Shariah principles. With his expertise in Islamic Jurisprudence, Mufti Muhammad Sadiq specializes in offering Shariah-compliant solutions for contemporary financial products and ensuring the Shariah compliance of transactions.

Resident Shariah Board Member

Dr. Mufti Muhammad Awais has completed Dars-e-Nizami from Jamia Ashrafia Lahore and specialization in Islamic Jurisprudence (Al Takhassus fil Ifta) from Jamia Dar Ul Uloom Karachi. He has done MBA with majors in Banking and Finance from ILMA University, Karachi, recognized from HEC. He is also a research Scholar at University of Karachi, pursuing his Ph.D. in Islamic Finance in the light of Quran & Sunnah.

Dr. Mufti Muhammad Awais has a diversified experience of Islamic Banking & Finance, Academia & Halal food. He has worked with Pak-Qatar Takaful Group as Shariah Scholar and was also engaged with Deloitte Yousuf Adil Chartered Accountants as Shariah Audit Consultant for external Shariah Audit of Islamic Banking Institutions in Pakistan. Moreover, he has overall nine ears experience for writing and supervising fatwa on various aspects including Islamic Finance.

Dr. Mufti Muhammad Awais is associated with UBL Ameen since May 2019. Prior to taking charge as Resident Shariah Board Member with effect from July 1, 2021, he has served as Shariah Scholar and Manager Shariah Compliance in Shariah Compliance Department of UBL Ameen.

For Banking Shariah matters, Shariah Team can be reached at scd@ubl.com.pk

Kamran Muhammad Elyas – Head Of Shariah Compliance

Contact No: (+9221) 111-825-111 Ext: 2528