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  About SJIBL » Provisional Rate of Profit |
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| 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) 3 Months |
|
| Less than Tk. 1.00 Crore |
3.00% |
| Tk. 1.00 Crore & above |
2.75% |
| iv) 100 Days |
|
| Less than Tk. 1.00 Crore |
3.00% |
| Tk. 1.00 Crore & above |
2.75% |
| v) 175 Days |
|
| Less than Tk. 1.00 Crore |
2.75% |
| Tk. 1.00 Crore & above |
2.75% |
| vi) 6 Months |
|
| Less than Tk. 1.00 Crore |
2.75% |
| Tk. 1.00 Crore & above |
2.75% |
| vii) 1 Year |
|
| Less than Tk. 1.00 Crore |
3.25% |
| Tk. 1.00 Crore & above |
3.00% |
| viii) 400 Days |
|
| Less than Tk. 1.00 Crore |
3.25% |
| Tk. 1.00 Crore & above |
3.00% |
| ix) 2 Years : Any Amount |
3.25% |
| x) 3 Years : Any Amount |
3.25% |
| 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 Income Scheme: Minimum Tk. 1.00 Lac and its multiplier |
| i) 1 year |
3.60% (Tk.300.00/- per month per lac before tax) |
| ii) 2 Years |
3.60% (Tk.300.00/- per month per lac before tax) |
| iii) 3 Years |
3.60% (Tk.300.00/- per month per lac before tax) |
| b)Mudaraba Multiple Benefit Scheme: Minimum Tk. 10,000 and its multiplier |
| i) Double Benefit |
6.00%
(Amount will be doubled in 11 years 7 months) |
| ii) Triple Benefit |
6.24%
(Amount will be tripled in 17 years 8 months) |
| c)Mudaraba Millionaire Scheme: |
|
i) 5 Years
(Tk 14,300/ Per Month) |
5.90% |
ii) 10 Years
(Tk. 6,050/ Per Month) |
6.07% |
iii) 12 Years
(Tk.4,700/ Per Month) |
6.11% |
iv) 15 Years
(Tk.3,370/ Per Month) |
6.18% |
| d)Mudaraba Monthly Deposit Scheme:* |
|
| i) 3 Years |
5.79% |
| ii) 5 Years |
5.91% |
| iii) 8 Years |
6.02% |
| iv) 10 Years |
6.11% |
| e) Mudaraba Hajj Scheme:** |
|
| 1 Year to 10 Years |
5.55%-6.21% |
| f) Cash Waqf: |
7.00% |
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| *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 |
|
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| **Mudaraba Hajj Scheme Deposit (Provisional) (amount in Taka) |
|
| Year |
Account opened in 2021 (From 01 June, 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% |
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| *Note: Agri Investment rate is 4.00%-8.00% |
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| Last Update Date: June 2021 |
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