Enjoy higher returns

Mudarabah Contract is a profit sharing arrangement wherein capital provider (Rabb-ul-Maal) bears the risk and the Manager of funds (Mudarib) contributes expertise and management skills to employ the funds in Shariah Compliant activities and obtain a rate of return.

This is disclosed by the Bank on a quarterly basis and is based on the Mudarabah Pool rates. To view our historic Mudarabah profit rates, click here. Important Notes: Profit Equalisation Reserve The Bank maintains a Profit Equalisation Reserve (PER) for the purpose of smoothening the returns to the Mudarabah account holders. The PER is deducted from Mudarabah income before deduction of the Bank’s share. Investment Risk Reserve The Bank maintains an Investment Risk Reserve (IRR) for the purpose of protecting the Mudarabah account holders from any investment losses in the future. The IRR is deducted from Mudarabah income after deduction of the Bank’s share.

Yes, you can avail a Credit card facility against your Mudarabah Term investment.

The profit share allocation for Mudarabah Term Investment Account based on the Mudarabah Contract is Mudarib’s (Bank) Share 90% and Customer’s Share 10%.

No. Partial withdrawal is not possible.

You must have existing Mashreq Al Islami Current or Savings Account to apply for a Mudarabah Term Investment.

You need to complete at least 1 month to be eligible for the profit payout. E.g. If a 3 month Term Investment is withdrawn prematurely within 25 days, it will not be eligible for the profit pay out.