Let’s help you commenceyour journey to Hajj!


Hit a fundamental Islamic milestone and act of worship (Ibadah) with the Hajj Savings Plan from Alternative Finance.

With the Hajj Savings Plan, you can choose the year you want to perform Hajj and your plan for contribution – weekly or monthly.

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    Who is eligible?

    Anyone 18-years or older can commence this
    plan for themselves or others.

    What document(s) do I need?

    • Duly filled Application Form – Download
    • Account Opening Package – Download

    “…And the pilgrimage is a duty that mankind owes to Allah, for
    those who can afford the expenses (for one’s conveyance,
    provision and residence…)” Q3:97

    “Hasten towards performing the Hajj, for each one of you does
    not know what may (later) engage him” (Ahmad: 1/314)

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    What are the features of the

    Hajj Savings Plan?


    The plan can be set up and maintained for yourself or a beneficiary e.g. parents, spouse, children etc.

    In general, withdrawals are not encouraged on this plan however, in case of an emergency, withdrawals from the plan can be made on a case-by-case basis.

    Deposits for the plan are received based on Mudaraba (profit sharing) principle.

    Hajj Savings Plan covers Hajj Fare and personal travel allowance.

    If at the end of the savings period, the total Hajj savings plus accrued profit is less or more than the actual expenditure for Hajj in the year, a makeup or refund will be done.


    What do you enjoy from

    Hajj Savings Plan?


    2.

    You enjoy life takaful cover up to N500,000.

    3.

    You could enjoy early payment for Hajj in the year you are scheduled to perform Hajj.

    4.

    You receive a Hajj Saver’s welcome pack upon commencement of the Hajj Savings Plan.

    5.

    You will receive Hajj gift Pack when performing Hajj.


    What are the tenors and

    contribution plans?


    Term/Year
    Hajj Year
    Tenor (Weekly)
    Tenor (Monthly)
    Estimated Hajj Expenditure
    Weekly Contribution
    Monthly Contribution
    1
    2019
    52
    12
    1,960,000
    33,267
    145,453
    2
    2020
    104
    24
    2,075,268
    17,588
    76,558
    3
    2021
    156
    36
    2,181,472
    12,320
    53,546
    4
    2022
    208
    48
    2,274,768
    9,633
    41,836
    5
    2023
    260
    60
    2,368,000
    8,021
    34,820
    6
    2024
    312
    72
    2,470,641
    6,973
    30,263
    7
    2025
    364
    84
    2,557,221
    6,186
    26,841
    8
    2026
    416
    96
    2,646,746
    5,602
    24,303
    9
    2027
    468
    108
    2,715,600
    5,109
    22,161
    10
    2028
    520
    120
    2,781,185
    4,709
    20,424