Sharia’h Board


Dr. Mufti Muhammad Zubair Usmani – Chairman Shariah Board

Dr. Mufti Ejaz Ahmad Samadani – Member Shariah Board

Mufti Imtiaz Alam – Resident Shariah Board Member


Chairman – Shariah Board

Dr. Muhammad Zubair Usmani is a qualified and one of the most experienced Shariah Scholars in the Islamic Banking Industry. He did his Shariah graduation (Fazil Dars-e-Nizami) & Takhassus Fil Fiqh (Mufti i.e. Specialization in Islamic Fiqh & Fatawa) from Jamia Dar ul Uloom, Karachi.

He has done Masters in International Relations and Doctorate (PhD) in Islamic Finance from University of Karachi.

Dr. Zubair Usmani is author of several books including related to Accounting & Auditing for Islamic Financial system, comparative study between Islam and Christianity and Ijarah (Islamic Leasing). His research papers have been published in various international journals. He has delivered research based lectures / presentations at different national and international seminars, forums, conferences and seminars.

Dr. Usmani served as Shariah Advisor to MCB Islamic Banking for 14 years and has been associated with several financial institutions. Currently, he is also a member of Shariah Board of State Bank of Pakistan, MCB Arif Habib Savings, Pak Qatar General Takaful and several other institutions.


Member – Shariah Board

Dr. Ejaz Ahmed Samdani is an eminent Shariah scholar and has sound experience of Islamic Banking & Finance. Dr. Samdani has strong academic background in Islamic Studies and Islamic Economics. He completed his all religious qualifications such as Takhassus fi Iftaa & Shahdat ul Aalimiyah from Jamia Dar ul Uloom, Karachi.

Dr. Samdani has done his Masters of Arts in Islamic Studies and LLB from Bahauddin Zakariya University and Sindh Muslim Govt. College respectively Further, he did his Doctorate (PhD) from Karachi University (on the topic of Islamic Banking and Gharar (uncertainty).

He is the Faculty member of Centre for Islamic Economics, Vice Chairman of “Takhassus fi Al Dawa” in Jamia Darul Uloom, Chairman Shariah Board Maldives Islamic Bank and Member Shariah board of various banking and non-banking financial institutions in Pakistan.

He has delivered several lectures at local and international forums and has issued about more than three thousand fatawas on different Islamic topics especially in Islamic Finance and family law. He has written many books on different Shariah matters and his several research topics have been published in various well renowned newspapers and magazines.

For Banking Shariah matters, Shariah Team can be reached at


Resident Shariah Board Member

Mufti Imtiaz Alam completed his dissertation on Islamic jurisprudence with outstanding record throughout his academic career. He has completed AL Takhassus Fil Ifta (Specialization in Islamic Jurisprudence) in 2008 and Shadatul A'alamiyyah in 2005 from Jamia Darul Uloom, Karachi. Besides Islamic education, he has done his Bachelor and Masters in Commerce from University of Karachi.

Mufti Imtiaz Alam is associated with Takaful industry since 2009 in the capacity of Shariah Advisor. He is also a visiting faculty member of Sheikh Zayed Islamic Center - University of Karachi since 2014 where he is teaching courses on Islamic Banking & Finance for post graduate students.

For Banking Shariah matters, Shariah Team can be reached at

SCD Personnel Contact Details:

Kamran Muhammad Elyas – Head of Shariah Compliance

Contact No: 111-825-111 Ext: 2528