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Vision & Mission
Board of Directors
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Provisional Rate of Profit
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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 2.00%
02. Mudaraba Special Notice Deposit : On average Balance
Less than Tk. 1.00 crore 1.00%
Tk. 1.00 crore to less than Tk. 25.00 crore 1.00%
Tk. 25.00 crore to less than Tk. 50.00 crore 1.25%
Tk. 50.00 crore to less than Tk. 100.00 crore 1.25%
Tk. 100.00 crore and above 1.25%
03. Mudaraba School Banking Account 2.50%
04. Mudaraba Savings Payroll Account 2.00%
05. Mudaraba Term Deposit
i) 1 Month
      Less than Tk. 1.00 Crore 1.50%
      Tk. 1.00 Crore & above 1.25%
ii) 2 Months
      Less than Tk. 1.00 Crore 1.75%
      Tk. 1.00 Crore & above 1.50%
iii) 80 days 3.00%
iv) 3 Months
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 2.50%
v) 100 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 2.50%
vi) 175 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 2.50%
vii) 6 Months
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 2.50%
viii) 1 Year
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 2.75%
ix) 400 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 2.75%
x) 2 Years
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 3.00%
xi) 3 Years
      For Individual, Provident Fund, Retirement & Other Benefit Fund 5.55%
      For Corporate & Others 3.00%
06. Mudaraba Money Spinning Account: Daily product basis
Tk . 1 Lac to less than Tk. 10 Lac 1.00%
Tk . 10 Lac to less than Tk. 1 Crore 1.00%
Tk . 1 Crore to less than Tk. 10 Crore 1.25%
Tk . 10 Crore to less than Tk. 100 Crore 1.50%
Tk . 100 Crore and above 1.50%
07. Mudaraba Scheme Deposits
a)Mudaraba Monthly Deposit Scheme:*
i) 3 Years 5.79%
ii) 5 Years 5.91%
iii) 8 Years 6.02%
iv) 10 Years 6.11%
b) Mudaraba Hajj Scheme:**
1 Year to 10 Years 5.55%-6.21%
c) Cash Waqf: 7.00%
*Mudaraba Monthly Deposit Scheme: amount payable at maturity (Provisional) (amount in Taka)
Period Installment
500 1,000 2,000 5,000 10,000 25,000 50,000
3 Years 19,700 39,400 78,800 197,000 394,000 985,000 1,970,000
5 Years 34,975 69,950 139,900 349,750 699,500 1,748,750 3,497,500
8 Years 61,775 123,550 247,100 617,750 1,235,500 3,088,750 6,177,500
10 Years 82,850 165,700 331,400 828,500 1,657,000 4,142,500 8,285,000
**Mudaraba Hajj Scheme Deposit (Provisional) (amount in Taka)
Year Account opened in 2021 (From 01 October, 2021)
Monthly Installment Expected Amount payable at Maturity to meet-up Hajj Expenses Rate
1 30,000 3,71,000 5.55%
2 15,200 3,87,225 5.69%
3 10,350 4,08,325 5.87%
4 7,800 4,23,250 5.91%
5 6,350 4,45,000 5.98%
6 5,250 4,56,000 6.01%
7 4,550 4,77,150 6.07%
8 3,850 4,77,525 6.11%
9 3,450 4,98,580 6.15%
10 3,100 5,16,500 6.21%
Investment Profit Rate
Sl. Investment Sector Mid rate of profit
1 Term
(a) Large & Medium 7.50%
(b) Small 7.50%
2 SME
(a) Small 7.50%
(b) Medium 7.50%
3 Working Capital
(a) Large & Medium 7.50%
(b) Small 7.50%
4 Export 7.00%
5 Commercial Investment:
(a) Food Grains 7.50%
(b) Other 7.50%
6 Housing Investment 7.50%
7 Consumer Credit: 7.50%
8 Non-Banking Financial Institute (NBFIs) Investment 7.50%
9 Other
(a) Investment Against Different Deposit Own Bank Spread "2.00%-3.50%"
(b) Investment Against Different Deposit Other Bank 7.50%
*Note: Agri Investment rate is 4.00%-8.00%
Last Update Date: October 2021
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