Household Durable
Investment Scheme (HDIS)

Special Features:
  •   To purchase all type of household durable items permissible by Islamic Shariah;
  •   Maximum investment amounts up to Tk.10.00 lac;
  •   Flexibility in repayment up to 05 years;
  •   Competitive profit rate;
  •   Shortest turn around time in the industry;
  •   Early settlement (Fully & Partially) is allowed;
  •   Minimum documentation and formalities;
  •   No collateral security required;
  •   No hidden charge;

FAQ (Frequently Asked Questions)
Q. Who are the eligible Customers for Household Durable Investment Scheme?
Permanent employees of:
  •   Government, Semi-Government, Non-Governmental & Autonomous Organizations;
  •   Different Corporations & Multi-national Companies;
  •   Different Banks, Financial Institutions & Insurance Companies;
  •   Different renowned Government & Private University, College, School & Madrasa;
  •   Worthy businessman having trade license, VAT certificate and TIN;
  •   Professionals like Physicians, Engineers, Doctors, Architects etc.;
  •   Landlord/ Landlady having sufficient cash flow from rental income;

Q. Is there any age limit to avail facilities under Household Durable Investment Scheme?
  •   Yes, Minimum age 25 years and Maximum age 60 years/up to retirement age (For service holder) and 65 years (For Businessman, Professionals & Property Owner), but expiry date of the Investment Facility must not exceed that age.

Q. What is the minimum monthly income to avail the facility?
  •   Minimum Tk.25,000/-.

Q. What is the maximum investment limit for Household Durable Investment Scheme?
  •   Maximum Tk.10.00 lac.

Q. What is Tenor for Household Durable Investment Scheme?
  •   Maximum 05 years.

Q. What is the profit rate?
  •   Most competitive profit rate in the industry.

Q. How many guarantors are required?
  •   Two personal guarantees acceptable to the bank.

Q. What is the application procedure for Household Durable Investment Scheme?
  •   Applicant have to contact with any Branch of SJIBPLC near to his/her present address.

Q. What are the necessary/required documents for Household Durable Investment Scheme?
  •   Documents related to income/Profession
  •   NID, TIN, Passport Size photographs of the applicants
  •   (iii) guarantor's information with documents.