Barakat Doctor’s Scheme

BARAKAT DOCTOR’S SCHEME” [BDS] is Shariah compliant investment product designed to provide financial facility to the medical practitioners in setting up Doctor’s Chamber and clinic or hospital by purchasing different medical equipments.

This product is designed on the Hire Purchase under Shirkatul Melk (HPSM) concept of Islamic Shariah.

  • Customer Segment: General Practitioner, with MBBS or Equivalent degree. Specialist Doctors having FCPS or any Post-graduate degree and specialization in a particular area of treatment. Dentist with BDS or equivalent degree.
  • Purpose: For purchasing of medical equipments/items/accessories to setup a chamber/clinic/hospital etc.
  • Investment Amount: Tk. 50,000.00-Tk. 2,000,000.00
  • Tenor: Minimum 12 months & Maximum 60 months
  • Minimum Income of the Applicant: Tk. 40,000.00 (Tk Forty thousand only) for general practitioner, Tk. 50,000.00 (Tk Fifty thousand only) for specialized doctor

  • Investment Burden Ratio (IBR %): 

Income Range (TK)

IBR %

40,000 - 49,999

35%

50,000 - 59,999

40%

60,000 -69,999

45%

70,000 - 89,999

50%

90,000 – 119,999

55%

120,000 & above

60%

Minimum 2 years’ experience in practice or Service