Taqwa has prepared many schemes for benefit of the general public, Temporary Overdra is also one of such schemes. As per the procedure of this scheme Taqwa will provide a short-term Finance facility under Temporary Overdra to its exisng customers. On this financed amount, about 3% (variable) interim service cost + GST will be collected per annum from the customer, which is Taqwa's actual overhead expenditures plus a processing fee of AFN 200/- shall also be collected as fixed by the Taqwa Management. This scheme is based on the Shari’a principle called “Haq-e-Khidmat” i.e. “Service Cost”.

• Financing term is 1 month against salary assignment to Taqwa Banking.
• Cost of branch operations and no profit is allowed.
• Processing fee is AFN 200/-.
• No hidden cost. All hidden benefits.
• Shari'a term: ‘Actual Service Cost' only.