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Vision & Mission
Board of Directors
Executive Committee
Audit Committee
Risk Management Committee
Shariah Supervisory Committee
Foundation Committee
Senior Management Team (SMT)
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 8.00%
175 Days
Below Tk. 1 Crore 8.25%
Tk. 1 Crore and above 8.50%
6 Months : Any Amount 7.00%
1 Year : Any Amount 7.00%
400 Days
Below Tk. 1 Crore 8.75%
Tk. 1 Crore and above 9.00%
2 Years : Any Amount 9.50%
3 Years : Any Amount 9.50%
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 9.60% (Tk.800.00/-per month per lac before tax)
2 Years 9.90% (Tk.825.00/-per month per lac before tax)
3 Years 9.90% (Tk.825.00/-per month per lac before tax)
b)Mudaraba Multiple Benefit Scheme:
i) Double Benefit 9.94%
(Minimum amount Tk. 10,000.00 & will be doubled in 7 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 12,900/ Per Month)
9.74%
ii) 10 Years
(Tk. 5,100/ Per Month)
9.10%
iii) 12 Years
(Tk.3,850/ Per Month)
9.01%
iv) 15 Years
(Tk.2,625/ Per Month)
9.00%
d)Mudaraba Monthly Deposit Scheme:*
i) 3 Years 9.81%
ii) 5 Years 9.73%
iii) 8 Years 9.33%
iv) 10 Years 9.10%
e) Mudaraba Hajj Scheme:**
1 Year to 10 Years 9.25%-9.82%
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 21,000 42,000 84,000 210,000 420,000 1,050,000 2,100,000
5 Years 38,750 77,500 155,000 387,500 775,000 1,937,500 3,875,000
8 Years 71,500 143,000 286,000 715,000 1,430,000 3,575,000 7,150,000
10 Years 98,000 196,000 392,000 980,000 1,960,000 4,900,000 9,800,000
**Mudaraba Hajj Scheme Deposit: Monthly installment and provisional amount payable at maturity (amount in Taka)
Year Account opened in 2019 (From 5th May 2019)
Monthly Installment Expected Amount payable at Maturity to meet-up Hajj Expenses Rate
1 28,500 3,60,000 9.48%
2 14,500 3,85,235 9.65%
3 9,750 4,09,585 9.82%
4 7,250 4,26,980 9.75%
5 5,700 4,41,565 9.71%
6 4,700 4,60,070 9.68%
7 4,000 4,80,270 9.60%
8 3,400 4,90,405 9.52%
9 3,000 5,10,510 9.40%
10 2,700 5,34,020 9.25%
Investment Profit Rate
Sl. Investment Sector Profit Rate
1 Agri 4.00%-9.00%
2 Industry (Term) 11.00%-14.00%
3 SME
(a) Small 13.00%-16.00%
(b) Medium 13.00%-16.00%
4 Working Capital
(a) Industry 11.00%-14.00%
(b) Commercial 11.00%-14.00%
5 Export 7.00%
6 Commercial Investment:
(a) Food Grains 12.00%-15.00%
(b) Other 12.00%-15.00%
7 Housing Investment 11.00%-14.00%
8 Consumer Credit: 13.00%-16.00%
9 Non-Banking Financial Institute (NBFIs) Investment 11.00%-14.00%
10 Other
(a) Investment Against Different Deposit Own Bank Spread "2.00%-3.50%"
(b) Investment Against Different Deposit Other Bank 11.00%-14.00%
Last Update Date: August 2019
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