Mudaraba Term Deposits (MTD)

Fixed Term Allocation

Mudaraba Term Deposits
(MTD) Ecosystem

The Mudaraba Term Deposit system is a premium, Shariah-compliant investment mechanism built upon a pure partnership model. Your capital is seamlessly allocated into highly vetted, ethical corporate projects. Instead of generating rigid, artificial interest, true operational profits are cleanly distributed according to mutually agreed upon profit-sharing ratios.

Flexible Tenor Trajectories

Tailor your asset lock-in periods completely based on your liquidity needs, ranging flexibly from 3 Months up to 36 Months.

Certified Halal Revenue Streams

Every underlying enterprise is thoroughly audited and cleared by our central Shariah Board to promise absolute freedom from Riba.

Seamless Capital Routing

Effortlessly execute deposit placements and profit pull-backs utilizing standard electronic fund transfers globally.

Mudaraba Financial Asset Growth
Empirical Trust

Our Numbers
Speak For The Values.

"We don't hide behind complex financial jargon. Our growth trajectory is completely transparent, secure, and purely anchored upon sustainable Shariah operational metrics."

Assets 140M+
Total Capital Managed

Safely channeled into vetted ethical setups.

Partners 12K+
Active Investors

Trusting our profit-sharing protocols globally.

Yield 100%
Pure Halal Return

Completely free from any form of hidden Riba.

Audits 04/Y
Shariah Inspections

Quarterly verification checks for transparency.

Operational Protocol

How Your Capital Generates
Certified Halal Yield.

A completely transparent onboarding and screening pipeline engineered to guarantee absolute alignment with Islamic jurisprudence.

01

Rigorous Shariah Screening

Before a single taka is moved, our internal audit team runs comprehensive background evaluations on the target commercial assets to verify complete freedom from interest-bearing components, inflation metrics, or speculative setups.

02

Mudaraba Capital Pooling

Your funds enter a highly secure, diversified liquidity pool strictly separated from standard banking channels. The assets are explicitly deployed into active trade modules, production procurement, or tangible asset-backed equity leasing.

03

Quarterly Yield Distribution

At the end of every operational cycle, audited gross earnings from real business activities are declared openly. Profits are cleanly wired straight into your account based on the legally binding ratio established on day one.

Compliance Desk

Governance &
Shariah Framework.

Have queries regarding our profit execution models or capital processing? Explore our certified operational architecture verified directly by our Shariah Board.

The profit sharing ratio (PSR) is explicitly agreed upon before finalizing your deposit contract. Profits are derived entirely from the real performance of our asset-backed portfolios, ensuring a transparent, non-fixed yield structure.
According to standard Mudaraba principles, financial losses are borne by the capital provider (Rab-al-Maal), provided there is no proven negligence or misconduct by the manager (Mudarib). Our highly diversified asset allocation ensures these structural risks are kept to an absolute minimum.
Yes, early encashment is permitted under our liquidity policy. However, premature withdrawal changes the profit calculation metrics to standard savings ratios matching the exact duration your capital was actively deployed in trade.

Profit Calculator

Calculate your estimated weightage-based profit sharing under Shariah principles.

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Minimum Deposit: ৳10,000
Mudaraba Profit Sharing Ratio: 70% (Client) : 30% (Bank)
Estimated Annual Return: ৳6,500
*Based on historical weightage & provisional rates.
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Mudaraba Benefits

Why Invest in Mudaraba Term Deposit?

Your capital is managed securely by experts under strict Shariah laws, ensuring Halal earnings without fixed interest compromises.

High Profit Weightage

Get higher weightage allocation for longer tenures, maximizing your returns dynamically.

Flexible Pre-Premature Options

Encashment facilities available before maturity under specific Shariah profit adjustments.

Auto-Renewal Facility

Automatically renew your principal amount or total amount upon maturity for seamless compounding growth.

Guaranteed Compliance

Shariah Supervisory Board

Our Mudaraba Term Deposits are strictly monitored and certified by an independent board of prominent Islamic scholars and Shariah experts.

Mufti Dr. Ahmed
Prof. Dr. Mufti Mohammad Ahmed
Chairman, Shariah Board

PhD in Islamic Finance from Al-Azhar University. Over 15 years of advising global Islamic banking systems.

Mufti Abdullah
Mufti Abdullah Al-Mahmud
Member, Shariah Board

Renowned Shariah scholar and researcher in Fiqh al-Muamalat (Islamic commercial jurisprudence).

Dr. Sayed
Dr. Sayed Hasan Al-Azhari
Shariah Audit Specialist

Expert in Shariah auditing, ensuring all fund operations, weights, and distributions match standard AAOIFI guidelines.

Annual Shariah Audit Reports are publicly accessible. View Reports

How to Start Your Investment

Get your Mudaraba Term Deposit account up and running in just three simple, transparent, and Shariah-compliant steps.

Fill Application

Complete our digital Mudaraba investment form with your basic details, nominee info, and preferred investment tenure.

Submit Documents

Provide essential Shariah-compliance KYC documents such as your NID, passport-size photographs, and source of fund proof.

Fund & Earn

Transfer your principal capital amount securely. Your fund immediately joins our active Halal trade pool to start generating profit weights.

Next-Gen Transparency

The Core Pillars of Your Trust

We don't just manage your funds; we are strictly committed to adhering to every Shariah boundary to ensure your earnings remain 100% Halal and blessed.

Pillar 01

Separate Asset Pooling

Your deposited Mudaraba funds are never mixed with conventional banking funds. It is maintained in a completely segregated Islamic investment pool, deployed strictly in Shariah-compliant trades and commerce.

Pillar 02

Daily Weightage Calculation

Profit weightage rates are calculated with ultimate precision and transparency on a daily basis. This ensures a fair and just distribution of earnings based on your investment tenure without any hidden locks.

Pillar 03

Quarterly Shariah Disclosure

Every three months, our independent Shariah board publishes official audit reports and investment portfolio distributions directly to the dashboard. You have the full right to know exactly where and how your capital is utilized.