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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
a) Mudaraba Savings Deposit 2.00%
b) Mudaraba School Banking Account 2.50%
c) Mudaraba Savings Payroll Account 2.00%
d) Mudaraba Money Spinning Account: Daily product basis
Tk . 1 Lac to less than Tk. 10 Lac 1.50%
Tk . 10 Lac to less than Tk. 1 Crore 1.50%
Tk . 1 Crore to less than Tk. 10 Crore 1.75%
Tk . 10 Crore to less than Tk. 100 Crore 2.00%
Tk . 100 Crore and above 2.00%
e) Mudaraba Special Notice Deposit : On average Balance
Less than Tk. 1.00 crore 2.00%
Tk. 1.00 crore to less than Tk. 25.00 crore 2.50%
Tk. 25.00 crore to less than Tk. 50.00 crore 3.00%
Tk. 50.00 crore to less than Tk. 100.00 crore 3.00%
Tk. 100.00 crore and above 3.00%
f) Mudaraba Term Deposit
i) 1 Month (Any amount) 3.00%
ii) 2 Months (Any amount) 3.00%
iii) 80 days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
iv) 3 Months
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
v) 100 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
v) 120 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.75%
      For Corporate & Others 5.00%
vi) 175 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
vii) 6 Months
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
viii) 1 Year
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
ix) 400 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
x) 2 Years
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
xi) 3 Years
      For Individual, Provident Fund, Retirement & Other Benefit Fund 6.50%
      For Corporate & Others 5.00%
g) Mudaraba Monthly Income Scheme:
i) 1 year 6.60% (Tk.550.00/- per month per lac before tax)
ii) 2 Years 6.60% (Tk.550.00/- per month per lac before tax)
iii) 3 Years 6.60% (Tk.550.00/- per month per lac before tax)
h) Mudaraba Monthly Deposit Scheme:*
i) 3 Years 7.25%
ii) 5 Years 7.51%
iii) 8 Years 7.66%
iv) 10 Years 7.74%
i) Mudaraba Education Deposit Scheme:**
ii) 5 Years 7.55%
iii) 8 Years 7.70%
iv) 10 Years 7.80%
j) Mudaraba Hajj Deposit Scheme:***
1 Year to 10 Years 7.00%-8.00%
k) Cash Waqf: 8.00%
*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 20,160 40,320 80,640 201,600 403,200 1008,000 2,016,000
5 Years 36,500 73,000 146,000 365,000 730,000 1,825,000 3,650,000
8 Years 66,375 132,750 265,500 663,750 1,327,500 3,318,750 6,637,500
10 Years 90,750 181,500 363,000 907,500 1,815,000 4,537,500 9,075,000
**Mudaraba Education Deposit Scheme: amount payable at maturity (Provisional) (Amount in Taka)
Period Installment
1,000 2,000 5,000 10,000 25,000 50,000
5 Years 73,075 146,150 365,375 730,750 1,826,875 3,653,750
8 Years 133,000 266,000 665,000 1,330,000 3,325,000 6,650,000
10 Years 182,100 364,200 910,500 1,821,000 4,552,500 9,105,000
***Mudaraba Hajj Scheme Deposit (Provisional) (Amount in Taka)
Year Account opened in 2023 (From November 08, 2023)
Monthly Installment Expected Amount payable at Maturity to meet-up Hajj Expenses Rate
1 48,135 6,00,000 7.00%
2 24,000 6,20,600 7.10%
3 16,150 6,50,700 7.20%
4 12,250 6,84,600 7.30%
5 9,900 7,20,550 7.40%
6 8,200 7,47,400 7.50%
7 7,100 7,89,000 7.60%
8 6,200 8,24,500 7.70%
9 5,500 8,63,000 7.80%
10 5,000 9,20,800 8.00%
Last Update Date: November 2023
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