Deposit Products

Deposit: In conventional Bank, deposit is the loan taken from public and they can use the loan anyway, so the relationship is debtor and creditor.

In Islmaic Bank, deposit is Amanah. here banks take deposit in two ways, one is Al-Wadiah and the other is Mudaraba. As per al Wadiah, relationship between bank and depositor is trustee and trust giver. In Mudaraba, it is partnership. the depositor is Sahib Al mal and bank is Mudarib( Entrepreneur)

Particulars of Mudaraba Deposits,

SI	Tenure/term	Account Title	Rate (provisional)	Minimum Deposit
1	5 Years	Mudaraba Special Savings (Pension)   MSSA	6.5	500 -it multiple upto 50 thou, for RDS client 100
2	10 Years	Mudaraba Special Savings (Pension)  MSSA	7, newly 3 years wirh RR 6
3	5 Years	Mudaraba Muhor Savings	5.7	500- 5 thou
4	10 Years	Mudaraba Muhor Savings	6.5
5	5 Years	Mudaraba NRB Savings Bond	5.8	25 thou to 10 lac
6	10 Years	Mudaraba NRB Savings Bond	6.5
7	5 Years	Mudaraba Savings Bond	5.75	1 thou to 10 lac
8	8 Years	Mudaraba Savings Bond	6
9	3 Years	MMPDS	7	1 lac and multiple of it
10	5 Years	MMPDS	7.5
11	01 to 10	Mudaraba Hajj Savings	6.5	Any amt  based on my term
12	11 to 25	Mudaraba Hajj Savings	7
TDR
13.1	1 Month	MTDRA	4.5	1000 or any multiple of Tk-100 , newly for 100 days, 200, 300 days with RR 5.5%
13.2	03 Months	MTDRA	5.5
13.3	06 Months	MTDRA	5.5
13.4	01 Year	MTDRA	5.6
13.5	2 Years	MTDRA	5.8
13.6	3 Years	MTDRA	6
14	Perpetual	Mudaraba Waqf Cash Deposit	7	Min 1 thou-
Savings Account (Total 7  account)
15	No maturity	Mudaraba Savings Account  (MSA)	3.5	Initial  minimum
16		Students Mudaraba Savings	3.5
17		Mudaraba Farmers Savings	3.5
18		Mudaraba Industrial Employee Savings	3.5
19		Mudaraba Upohar Deposit	3.5
20		Mudaraba Special Notice Deposit	2.5
21		mCash Deposit Account	2.5

    22.         Mudaraba Priority Savings Account   6%
    23.         Mudaraba Payroll Savings     3.5%
    24.        Mudaraba Bibaho Savings Account, 3years, 5 years, tk 500 to 50, 000 thou, 3.5%