Mudaraba Special Notice Deposit


  • This deposit product is guided by the Mudaraba principles of Islamic sharia with additional conditions as stated below.
  • Bank will invest the MTD fund through sharia compliant investment modes along with the other Mudaraba fund to earn profit.
  • Until otherwise decided, the profit sharing ratio is  70:30 (Client70 & Bank 30)  between TBL & the depositor in MTD.
  • Actual profit on the MTD will be calculated at the year end on the basis of weightage fixed by the bank.
  • Provisional profit on MTD will be given on maturity of the MTD which will be subsequently adjusted with the actual profit at the end of the year. If the actual profit is higher than the provisional profit, bank will credit the excess amount to the beneficiary and if it is lower than the provisional rate, bank will claim refund from the beneficiary. However, if the amount of excess or shortfall is less than Tk.100/- than no party will claim refund & forego their respective claim.
  • All Govt. Taxes, VAT, Excise duty etc imposed by the regulatory bodies time to time including management charges are applicable on MTD.
  • MTD can be opened for 3 months, 6 months & 12 months tenure or for any other tenure as approved by the bank.
  • If not instructed otherwise, the MTD will be automatically renewed for another term under the terms prevailing at the time of renewal along with the provisional profit, if any.
  • Minimum amount to open an MTD is Tk.1, 000/-. A Mudaraba Term Deposit Receipt (MTDR) shall be issued there against and MTDRs are not transferable. The beneficiary shall ensure safe keeping of the MTDR at his/her own risk and immediately notify the bank in case loss or damage of the MTDR.
  • “Qard” facility upto 80% of the MTD can be availed by the beneficiary by complying with the rules of Qard.
  • No profit shall be payable if the ATD is encashed before maturity. However, bank reserve the right to pay profit on the deposit amount at the rate of provisional Mudaraba Savings Deposits for a minimum period of 30 (thirty) days and its multiples.


  • Resident Bangladeshi National
  • Age: 18 years or above.
  • Joint account can be opened.
  • Minor account can be opened under the supervision of his / her / their guardian.

Required Documents

  • Photocopy of Citizenship Certificate / Passport / Voter I.D. Card / National I.D. Card / Driving License
  • Two copies of recent passport size photograph duly attested by the introducer
  • The account requires to be introduced by an existing and satisfactory account holder of Trust Bank Limited
  • Certified document(s) for source of income
  • Tax Certificate
  • Proof of communication address: Photocopy of an Electricity Bill / Gas Bill / Wasa Bill / Telephone Bill.
  • Initial deposit of Tk 5,000/-
  • Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, copy of the birth certificate and photograph required.
  • Personal Information Form.
  • Transaction Profile.
  • KYC Form.

Rates & Charges

  • The provisional profit rate for MSND is 3.25% p.a. for less than TK 25 crore.
  • The provisional profit rate for MSND is 3.00% p.a. for TK 25 crore and above. 
  • Incidental Charge: No Charge
  • Service Charge : No Charge
  • Account Maintenance Fee: Tk. 500 (Half Yearly)
  • Account Closing Charge : Tk. 300 Per Account
  • Account Statement
    • No Charge (Half Yearly & Yearly) for One Time 
    • Subsequestly, Per Page Tk. 25 & Minimum Tk. 50 
  • Balance Certificate
    • No Charge (Half Yearly & Yearly) for One Time 
    • Subsequestly, Per Certificate Tk. 200
  • Solvency Certificate
    • Tk. 500.00 per instance.
    • No charge for Defence Personnel and TBL employees  
  • Issue of Cheque Book (MICR): Tk.  3 Per Leaf
  • Standing instruction
    • Tk. 200.00 per instance excluding DPS & Loan  Installment Payment.
    • No charge for Defence Personnel and TBL employees