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    All About SJIB PLC
Vision & Mission
Board of Directors
Executive Committee
Board 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 SJIB PLC 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 Foreign Remittance Savings Taka Account 4.50%
e) Mudaraba Money Spinning Account: Daily product basis
Tk . 1 Lac to less than Tk. 10 Lac 2.00%
Tk . 10 Lac to less than Tk. 1 Crore 2.25%
Tk . 1 Crore to less than Tk. 10 Crore 2.50%
Tk . 10 Crore to less than Tk. 100 Crore 2.75%
Tk . 100 Crore and above 3.00%
f) 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%
g) Mudaraba Term Deposit
i) 1 Month (Any amount) 4.00%
iii) 80 days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.00%
      For Corporate & Others 5.00%
iv) 3 Months
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.00%
      For Corporate & Others 5.00%
v) 100 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.00%
      For Corporate & Others 5.00%
v) 120 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.75%
      For Corporate & Others 5.00%
vi) 175 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.50%
      For Corporate & Others 5.00%
vii) 6 Months
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.25%
      For Corporate & Others 5.00%
viii) 1 Year
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.50%
      For Corporate & Others 5.00%
ix) 400 Days
      For Individual, Provident Fund, Retirement & Other Benefit Fund 8.25%
      For Corporate & Others 5.00%
x) 2 Years
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.50%
      For Corporate & Others 5.00%
xi) 3 Years
      For Individual, Provident Fund, Retirement & Other Benefit Fund 7.25%
      For Corporate & Others 5.00%
h) Mudaraba Monthly Income Scheme:
i) 1 year 8.10% (Tk.675.00/- per month per lac before tax)
ii) 2 Years 8.40% (Tk.700.00/- per month per lac before tax)
iii) 3 Years 7.50% (Tk.625.00/- per month per lac before tax)
i) Mudaraba Monthly Deposit Scheme:*
i) 3 Years 7.80%
ii) 5 Years 8.10%
iii) 8 Years 8.30%
iv) 10 Years 8.40%
j) Mudaraba Education Deposit Scheme:**
i) 5 Years 8.15%
ii) 8 Years 8.35%
iii) 10 Years 8.45%
k) Mudaraba Hajj Deposit Scheme:***
1 Year to 10 Years 7.75%-8.50%
l) Cash Waqf: 8.50%
*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 20,338 40,675 81,350 203,375 406,750 1016,875 2,033,750
5 Years 37,083 74,165 148,330 370,825 741,650 1,854,125 3,708,250
8 Years 68,285 136,570 273,140 682,850 1,365,700 3,414,250 6,828,500
10 Years 94,200 188,400 376,800 942,000 1,884,000 4,710,000 9,420,000
**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 74,265 148,520 371,325 742,650 1,856,625 3,713,250
8 Years 136,870 273,740 684,350 1,368,700 3,421,750 6,843,500
10 Years 188,930 377,860 944,650 1,889,300 4,723,250 9,446,500
***Mudaraba Hajj Scheme Deposit (Provisional) (Amount in Taka)
Year Account opened in 2024 (From January 16, 2024)
Monthly Installment Expected Amount payable at Maturity to meet-up Hajj Expenses Rate
1 48,135 6,02,450 7.75%
2 24,000 6,25,550 7.85%
3 16,150 6,58,490 7.95%
4 12,250 6,96,370 8.10%
5 9,900 7,36,220 8.20%
6 8,200 7,65,850 8.25%
7 7,100 8,10,600 8.30%
8 6,200 8,50,500 8.40%
9 5,500 8,91,700 8.45%
10 5,000 9,47,350 8.50%
Last Update Date: January 2024
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