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Where adaptability meets advantage

At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

Adaptability starts here
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    15 Oct 2025 From Technical Liability to Digital Dominance: Plaza Premium Group’s Bold Transformation
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    16 Oct 2025 TCS and Infineon Partner to Redefine Digital Experience and Accelerate Sales Growth
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    What we do

    Where adaptability meets advantage

    At TCS, we don’t just help businesses transform. We help them become perpetually adaptive enterprises, built to evolve continuously and confidently in a world of constant change.

    Adaptability starts here
    • Industries
    • Services
    • Products and Platforms
    • Research & Innovation
    • Alliances
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
    • Communications, Media, and Information Services
    • Education
    • Energy, Resources, and Utilities
    • Healthcare
    • High Tech
    • Insurance
    • Life Sciences
    • Manufacturing
    • Public Services
    • Retail
    • Travel and Logistics
    • Artificial Intelligence and Data & Analytics
    • Cloud
    • Cognitive Business Operations
    • Consulting
    • Cybersecurity
    • Enterprise Solutions
    • IoT and Digital Engineering
    • Network Solutions and Services
    • TCS Interactive
    • Sustainability Services
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
    • TCS Research
    • TCS Pace™
    Where adaptability meets advantage
  • Industries expand here
    • Banking
    • Capital Markets
    • Consumer Packaged Goods and Distribution
    • Communications, Media, and Information Services
    • Education
    • Energy, Resources, and Utilities
    • Healthcare
    • High Tech
    • Insurance
    • Life Sciences
    • Manufacturing
    • Public Services
    • Retail
    • Travel and Logistics
  • Services expand here
    • Artificial Intelligence and Data & Analytics
    • Cloud
    • Cognitive Business Operations
    • Consulting
    • Cybersecurity
    • Enterprise Solutions
    • IoT and Digital Engineering
    • Network Solutions and Services
    • TCS Interactive
    • Sustainability Services
  • Products and Platforms expand here
    • TCS ADD™
    • TCS BANCS™
    • TCS BFSI Platforms
    • TCS CHROMA™
    • TCS Customer Intelligence & Insights™
    • TCS ERP on Cloud
    • ignio™
    • TCS iON™
    • TCS HOBS™
    • TCS Intelligent Urban Exchange™
    • TCS OmniStore™
    • TCS Optumera™
    • TCS Tap™
    • Quartz™ – The Smart Ledgers™
    • TCS TwinX™
    • TCS MasterCraft™
    • Jile™
    • TCS DigiBOLT™
    • TCS AI WisdomNext™
  • Research & Innovation expand here
    • TCS Research
    • TCS Pace™
  • Alliances
  • Who we are

    We deliver excellence and create value for customers and communities.

    Our expert, committed team put our shared values into action – every day. With the best talent and the latest technology we help customers turn complexity into opportunities and create meaningful change.

    Discover the difference
    • Brand
    • Leadership
    • Community
    • Sustainability
    • Inclusion
    • Values
    We deliver excellence and create value for customers and communities.
  • Brand
  • Leadership
  • Community
  • Sustainability
  • Inclusion
  • Values
  • Insights

    Discover why customers choose TCS

    We are a digital transformation and technology partner of choice for industry-leading organizations worldwide.

    Read our customer success stories.
    • Events
    • Analyst Recognition
    • Global Studies

    Upcoming events

    27 Dec 2025 TCS at Guidewire Connections 2025
    01 Dec 2025 TCS at AWS re:Invent 2025
    18 Nov 2025 TCS is a Gamechanger Sponsor of Microsoft Ignite 2025
    View all

    Recent recognitions

    15 Oct 2025 From Technical Liability to Digital Dominance: Plaza Premium Group’s Bold Transformation
    06 Oct 2025 Unlocking the Future: 6G & AI for Telcos
    18 Sep 2025 Emirates NBD Transforms Payments and Reengineers Banking Operations
    View all
    Discover why customers choose TCS
  • Events
  • Analyst Recognition
  • Global Studies
  • Careers

    Want to be a global change-maker? Join our team.

    At TCS, we believe exceptional work begins with hiring, celebrating and nurturing the best people — from all walks of life.

    Join us
    • India
    • Americas
    • Asia Pacific
    • Europe and UK
    • Middle East and Africa
    • India
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
    • Australia
    • Mainland China
    • Hong Kong SAR
    • Indonesia
    • Japan
    • Malaysia
    • New Zealand
    • Philippines
    • Republic of Korea
    • Singapore
    • Chinese Taipei
    • Thailand
    • Belgium
    • Denmark
    • Estonia
    • Finland
    • France
    • Germany
    • Hungary
    • Ireland
    • Italy
    • Luxembourg
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Spain
    • Sweden
    • Switzerland
    • United Kingdom
    • Bahrain
    • Israel
    • Kuwait
    • Qatar
    • Saudi Arabia
    • South Africa
    • United Arab Emirates
    Want to be a global change-maker? Join our team.
  • India expand here
    • India
  • Americas expand here
    • Argentina
    • Brazil
    • Canada
    • Chile
    • Colombia
    • Ecuador
    • Mexico
    • Peru
    • Uruguay
    • USA
  • Asia Pacific expand here
    • Australia
    • Mainland China
    • Hong Kong SAR
    • Indonesia
    • Japan
    • Malaysia
    • New Zealand
    • Philippines
    • Republic of Korea
    • Singapore
    • Chinese Taipei
    • Thailand
  • Europe and UK expand here
    • Belgium
    • Denmark
    • Estonia
    • Finland
    • France
    • Germany
    • Hungary
    • Ireland
    • Italy
    • Luxembourg
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Spain
    • Sweden
    • Switzerland
    • United Kingdom
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    • Israel
    • Kuwait
    • Qatar
    • Saudi Arabia
    • South Africa
    • United Arab Emirates
  • Newsroom

    Find the latest news about TCS

    Stay up-to-date on all press announcements by TCS

    Discover more
    • News Alerts
    • Media Kit

    Recent News

    16 Oct 2025 NCVET Selected TCS to Develop a Portal Aimed at Democratizing the Vocational Skill Development Ecosystem in India
    16 Oct 2025 TCS and Infineon Partner to Redefine Digital Experience and Accelerate Sales Growth
    19 Sep 2025 TCS Interactive Opens Flagship Studio in New York City to Drive Innovation-led Experiences
    View all
    Find the latest news about TCS
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    Tata Consultancy Services Limited
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    Discover more Q1FY26 Debrief
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    • TCS BaNCS™
    • Solution

    TCS BaNCS for Islamic Banking

    A scalable, comprehensive Shariah-compliant solution

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    Highlights

    • TCS BaNCS for Islamic Banking helps conventional and pure Islamic banks develop banking products that are Shariah-compliant.
    • It offers flexible, agile, and function-rich product configurations such as Murabaha cost-plus financing, Tawarruq Shariah-compliant financing, and Ijara leasing.
    • The solution enables financial institutions to develop new instruments while focusing on corporate and small business financing such as investment banking and Takaful insurance.

    In this article

    Abstract   inpage
    Challenge   inpage
    Solution   inpage
    Benefits   inpage
    Abstract inpage
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    Benefits inpage
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    In this articleinpage
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    Abstract Challenge Solution Benefits

    Abstract

    Delivering a range of banking products based on the Islamic principles defined in the Shariah law.

    With a growing population and increasing affluence in the Islamic communities, the focus on Islamic banking and financial products has increased manifold. The scope of Islamic banking is continuously evolving with the introduction of a range of new products targeted at new customers and their needs.

    TCS BaNCS for Islamic Banking enables financial institutions innovate and develop new Islamic instruments while focusing on corporate and small business financing, including investment banking and Takaful.

    Challenge

    With Islamic finance poised for further growth in the near future, the industry is in need of customized technology solutions and interoperable systems offering a 360-degree view of processes addressing the critical areas of risk and compliance. The need for rapid time-to-market for innovative products, scalability to manage large volumes, and a competitive cost structure lies at the core of business needs. Meanwhile, conventional banks are looking for a common platform that can provide opportunities to invest and borrow according to Islamic principles defined in the Shariah law while offering the benefits of diversification and a full range of banking products.

    Solution

    TCS BaNCS for Islamic Banking is for both conventional banks and pure Islamic banks looking to create an Islamic window or subsidiary with their core banking, risk management, and treasury needs. It also enables financial institutions to innovate and develop new instruments while focusing on corporate and small business financing, including investment banking and Takaful.

    With our expertise in financial services consulting, technology, and outsourcing, we have partnered with numerous financial institutions to offer cost-effective solutions. Our customers across banking, capital markets, and insurance domains in Australia, India, Indonesia, Qatar, Bahrain, and Europe have deployed TCS BaNCS for Islamic Banking successfully. From one of the largest banks in South Africa (~2.2 million customer base) to a bank in Indonesia (~6.5 million customer base) running the solution, including the first Takaful insurance company in Bahrain, TCS BaNCS for Islamic Banking covers the entire spectrum of Islamic finance. Retail and investment banking, Islamic treasury, and trade finance solutions backed by best practice business processes for Shariah-compliance come together to empower our customers across the entire value chain.

    Benefits

    TCS BaNCS for Islamic Banking is an integrated Islamic financial ecosystem, offering banking, capital markets, and insurance solutions on both conventional and hybrid instances, made available on a common platform. The solution, which also includes core banking, risk management, and treasury, caters to organizations looking to enter the Islamic banking space, and those who wish to maximize returns from their existing Islamic banking strategy. In addition, the solution:

    • Offers a 360-degree view of the customer for the bank, and of the bank for the customer
    • Enables platform flexibility, cost efficiency, and scalability through its component-based technology architecture
    • Allows for rapid product development and process configuration
    • Helps address critical areas of compliance and risks, additional contracts, and unique tax treatments under the Shariah law across geographies
    • Enables the innovation and development of new instruments

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    TCS BaNCS for Islamic Banking

    Enable conventional and Shariah-compliant banking on a single integrated platform.

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