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Vision & Mission
Board of Directors
Executive Committee
Audit Committee
Risk Management Committee
Shariah Supervisory Committee
Foundation Committee
Management Committee
Divisional Heads
Financial Statements
Provisional Rate of Profit
Schedule of Charges
Branch Information
ATM Location
Risk Management
Regulatory Compliance Information
Shahjalal Islami Bank Training Academy
Shahjalal Islami Bank Securities Ltd.
About SJIBL Provisional Rate of Profit
Provisional Rate of Profit
Sl. Deposit Product Provisional Rate
01. Mudaraba Savings Deposit 3.00%
02. Mudaraba Special Notice Deposit : On average Balance
less than 1 crore 3.00%
1 crore to less than 25 crore 3.25%
25 crore to less than 50 crore 3.50%
50 crore to less than 100 crore 3.75%
100 crore and above 4.00%
03. Mudaraba School Banking Account 4.00%
04. Mudaraba Savings Payroll Account 3.00%
05. Mudaraba Term Deposit
1 Month : Any Amount 3.00%
2 Months : Any Amount 3.50%
3 Months : Any Amount 6.00%
100 Days : Any Amount 7.00%
175 Days : Any Amount 7.50%
6 Months : Any Amount 7.00%
1 Year : Any Amount 7.00%
400 Days : Any Amount 8.50%
2 Year : Any Amount 8.50%
3 Year : Any Amount 8.50%
06. Mudaraba Money Spinning Account: Daily product basis
Tk . 1 Lac to less than Tk. 10 Lac 3.00%
Tk . 10 Lac to less than Tk. 1 Crore 3.25%
Tk . 1 Crore to less than Tk. 10 Crore 3.75%
Tk . 10 Crore to less than Tk. 100 Crore 4.25%
Tk . 100 Crore and above 5.00%
07. Mudaraba Scheme Deposits
a)Mudaraba Monthly Income Scheme:
1 year 9.00% (Tk.750.00/-per month per lac before tax)
2 Years 9.00% (Tk.750.00/-per month per lac before tax)
3 Years 9.00% (Tk.750.00/-per month per lac before tax)
b)Mudaraba Multiple Benefit Scheme:
i) Double Benefit 8.70%
(Minimum amount Tk. 10,000.00 & will be doubled in 8 years)
ii) Triple Benefit 8.48%
(Minimum amount Tk. 10,000.00 & will be tripled in 13 years)
c)Mudaraba Millionaire Scheme:
i) 5 Years
(Tk 13,350/ Per Month)
8.47%
ii) 10 Years
(Tk. 5,275/ Per Month)
8.51%
iii) 12 Years
(Tk.3,975/ Per Month)
8.55%
iv) 15 Years
(Tk.2,725/ Per Month)
8.58%
d)Mudaraba Monthly Deposit Scheme:*
i) 3 Years 8.30%
ii) 5 Years 8.52%
iii) 8 Years 8.54%
iv) 10 Years 8.55%
e) Hajj Scheme:**
1 Year to 10 Years 8.25%-9.00%
f) Cash Waqf: 8.50%
*Monthly Deposit Scheme: Monthly installment and provisional amount payable at maturity (amount in Taka)
Period Installment
500 1,000 2,000 5,000 10,000 25,000 50,000
3 Years 20,500 41,000 82,000 205,000 410,000 1,025,000 2,050,000
5 Years 37,500 75,000 150,000 375,000 750,000 1,875,000 3,750,000
8 Years 69,000 138,000 276,000 690,000 1,380,000 3,450,000 6,900,000
10 Years 95,000 190,000 380,000 950,000 1,900,000 4,750,000 9,500,000
**Mudaraba Hajj Scheme Deposit: Monthly installment and provisional amount payable at maturity (amount in Taka)
Year Account opened in 2018 (From 6th December 2018)
Monthly Installment Expected Amount payable at Maturity to meet-up Hajj Expense Rate
1 28,500 3,57,675 8.25%
2 14,500 3,79,945 8.35%
3 9,750 4,01,035 8.50%
4 7,250 4,16,120 8.55%
5 5,700 4,28,480 8.60%
6 4,700 4,44,745 8.65%
7 4,000 4,63,780 8.70%
8 3,400 4,73,745 8.75%
9 3,000 4,95,100 8.80%
10 2,700 5,26,405 9.00%
Investment Profit Rate
Sl. Investment Sector Profit Rate
1 Agri 4.00%-9.00%
2 Industry (Term) 9.00%
3 SME
(a) Small 9.00%
(b) Medium 9.00%
4 Working Capital
(a) Industry 9.00%
(b) Commercial 9.00%
5 Export 7.00%
6 Commercial Investment:
(a) Food Grains 9.00%
(b) Other 9.00%
7 Housing Investment 9.00%
8 Consumer Credit:
(a) Consumer Credit 13.00%-16.00%
(b) Consumer Credit - Housing Investment 11.00%-14.00%
9 Non-Banking Financial Institute (NBFIs) Investment 9.00%
10 Investment Against Different Deposit Spread "2.00%-3.50%"
Last Update Date: December 2018
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