Why consider your Super with ICFAL

Make your Super halal

On average 36% of your super is exposed to Riba/Interest and non-Islamic earnings.

Earn a balanced return

Get competitive returns on your super and keep a healthy fund for retirement.

Invest in your community

Set a priority for impact driven investments to better the community you live in.

Fund Features



7 Years




Assets Class

Rental Property


Investment Property


Community Projects


Slide and visualise your potential returns

Slide to see how much you could stack up with ICFAL

Starting deposit



Contributions (per month)

$500 per month


Time (max 10 years)



Investing with ICFAL is easy, get started online

Apply online

Apply online and verify your identity. We will then review and approve your application.

Transfer funds to ICFAL

Once the application is complete, we’ll ask you to transfer your money.

Grow your investments

Get your money to work for you and create a positive impact for your community.

Frequently asked questions

Am I eligible to invest my Super with ICFAL?

For eligibility, you will need to ensure you:
- Are an Australian Citizen or Permanent Resident of Australia
- Are aged 18 or over
- Have a Self Managed Superfund (SMSF)

How can I apply and what does the application process look like?

You can apply online through our online form. Make sure you meet our basic eligibility criteria before applying.

The application process

1. Apply online
The online application may take a few minutes to complete where you’ll mention:
    - Basic Details
    - Contact Information
    - Upload required documents
2. Deposit your fund
After your application is reviewed and approved, we will ask you to transfer your investment to ICFAL’s account.
3. Grow your investment
Enjoy halal returns on your investments and grow your fund.

What is Self Managed Super Fund (SMSF)?

Superfund is the compulsory retirement fund mandated by the Australian Government for its citizens. Self Managed Super Fund (SMSF) allows you to take control and invest the fund into your chosen investments to earn ethical and halal returns.

What are the benefits of having an SMSF?

Having control over your retirement fund gives you the chance to invest your hard-earned money in Shariah-Compliant investments while building your retirement fund.

How can I switch my Super to ICFAL? ?

Your Super has to be a Self Managed Super Fund (SMSF) which then becomes an Institutional Member of ICFAL. If you are yet to change your fund to an SMSF, your tax agent, accountant, or financial planner can help you set it up.

How is ICFAL truly different?

We are one of Australia’s few, and only Islamic finance organisations, that is community-owned and operated. This means all our members have a voice in the management of the organisation and will directly share in any profit and loss of the organisation.

No single person or small group of individuals own ICFAL. The profits and losses are owned and shared by the members.

How do you assure Shariah Compliance? 

All of ICFAL's processes are screened by our Internal Shariah Board. The Shariah Board adheres to a zero-tolerance policy for prohibited elements that makes us a 100% Shariah Compliant.
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Help grow the community with ICFAL

Join 5000+ members and be a part of better tomorrow by investing and earning halal returns.