There is nothing free in the world. Every business has a cost. No muslim is going to put his hard earned money freely into the bank and that too with risk ridden. The Islamic banking is another name to hood wink the harsh realities of life that money has a cost both for the giver and the receiver. To open one more institution in our country which neither the Regulator understands nor the Bank itself about the sharia banking laws, and leaving to whimsical interpretation of Mullas who dictate what is Sharia is a sure case for inviting financial disaster. The protogonist must recognise this inspite of their good intention and bad economics sense.