A specialized Islamic investment framework built strictly on profit-sharing (Mudaraba) principles. Ash-Shifa scheme channels your capital into low-risk, asset-backed trades, delivering premium monthly payouts while offering emergency liquidity safeguards to protect your family's healthcare and unexpected financial needs.
Monthly income generated from the collective Mudaraba investment pool is calculated accurately.
Profit is distributed based on the pre-agreed weightage assigned to each investment tenure.
All distributions are strictly monitored to ensure they are free from any prohibited elements.
Monitor your profit accruals and account status in real-time through our secure portal.
Enjoy seamless renewal options at maturity with zero manual intervention required.
Your capital is shielded within a high-security asset-backed Islamic banking framework.
Our Mudaraba investment schemes are designed for flexibility and ethical growth. Whether you are planning for family welfare or corporate liquidity, our expert team is ready to assist you.
Years of Trusted Shariah Banking
Satisfied Investment Partners
Hidden Fees or Interest Elements
Digital Portal Accessibility
A Shariah-compliant term deposit scheme designed to provide stable, halal profit growth while supporting your healthcare and family welfare goals — fully governed by Islamic Mudaraba principles.
11.5%
Max Profit Rate*
3 Yr
Maximum Tenure
100%
Shariah Compliant
Estimated Profit Rate
11.5% p.a.
Operates strictly under Mudaraba principles with no interest or Riba involved.
Earn competitive halal profit based on actual investment performance.
Your deposit is protected under regulatory deposit insurance guidelines.
Choose from multiple tenure options that match your financial planning.
| Tenure | Weightage | Profit Rate (p.a.) | Payment Mode |
|---|---|---|---|
| 6 Months | 1.00 | 9.0% | At Maturity |
| 1 Year | 1.05 | 10.0% | Monthly / Maturity |
| 2 Years | 1.10 | 10.8% | Monthly / Maturity |
| 3 Years | 1.15 | 11.5% | Monthly / Maturity |
* Profit rates are indicative and subject to actual investment income under Mudaraba principles.
Open an Ash-Shifa Mudaraba Term Deposit account in minutes and let your savings grow the ethical, Shariah-compliant way.
Ash-Shifa Mudaraba Term Deposit is open to a wide range of depositors looking for a halal, stable savings option.
Valid NID or Passport copy of the applicant
2 recent photographs of the account holder
NID & photo of the nominated person
Utility bill or rental agreement copy
Required for deposits above set threshold
Duly signed account opening form