Islamic Banking Investment Products Profit/Rent Rate

SL Nature of Investment Mid Rate
1 Agriculture & Rural Finance:

 
  (a)Investment to Primary Products (Crops, Fisheries, Livestock, etc.) 11.50%
  (b)Investment to MFI's (Agriculture Financing 11.50%
2 CMSME Finance  
  (a)Investment to Cottage, Micro, Small & Medium Indust 13.00%
  (b)Investment for Women Entrepreneurs under CMSME without refinance 12.00%
  (c)Export Credit (PC/ECC/Bai-Salam) to Cottage, Micro, Small & Medium Industry. 12.00%
3 Term Investment to Large and Medium Scale Industry:  
  (a)Export Oriented 13.00%
  (b) Others 13.00%
     
4 Term Investment to Small and Cottage Industry  
  (a)Cottage Industry 13.00%
  (b)Small Industry 13.00%
  Others 13.00%
5 Working Capital to Industry  
  Working Capital to Large Industry and Medium Scale Industry
  • Export Oriented - 13.00%
  • Others - 13.00%
     
6 Export Credit PC/ECC/Bai-Salam 12.00%
7 Commercial Investment  
  Import financing 13.00%
  Others (Rice, Wheat, Edible Oil, Lentils, Chick Peas, Onions, Dates and Sugar 13.00%
8 Other Special Program (Stimulus Package/ Special fund & Other programs under Ban ladesh Bank/ Bangladesh Govt.) As per Bangladesh Bank Guidelines
9 Real Estate Investment  
  Commercial 13.00%
  Commercial cum Residential 13.00%
  Residential 13.00%
10 Quard  
  Fully cash covered- Withdrawal against MTDR & Scheme Deposit Products (Own Bank-TBL) As per Policy of the Bank.
11 Consumer Investment  
  Home Investment: Barakat Home Construction Scheme & lhsan Apartment Purchase Scheme:
  • Takeover- 11.50%
  •  TPA/QPA- 12.00%
  •  Mortgage- 12.00%
  Barakat Car Scheme 13.00%
  Barakat Doctors Scheme 13.00%
  All other unsecured Investment 13.00%
  Investment for TBL Employees under HPSM 8.00%
12 Investment to NBFI 13.50%
13 Investment to MFI's (other than Agriculture Investment 13.00%
14 Investment (lease Financing) 13.00%
15 Others 13.00%