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Basel –III Market Disclosure
Mudaraba Senior Monthly Savings Scheme
Objectives of the Scheme
A monthly savings Scheme. To inspire the Senior Citizens of the society towards savings of their idle money in the profitable deposit scheme.
Savings Period and Monthly Installment Rate
The savings period is for1 & 2 years.
Monthly installment is Tk. 200.00 and multiple of Tk. 500.00.
At least 65% of investment income shall be distributed among the Mudaraba Depositors as per weightage. The Deposit will bear weightage 1.36 and 1.42 respectively.
Bank reserves the right to change the weightage of deposit and percentage of distribution of Investment Income.
Monthly Installment Deposit
The savings amount is to be deposited within the 10th of every month. In case of holidays the deposit amount is to be made on the following day.
The deposits may also be made in advance.
The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.
The depositor can have a separate account in the bank from which a standing instruction can be given to transfer the monthly deposit to the scheme account.
If the depositor fails to make the monthly installment in time, then 5% on overdue installment amount will be charged. The charged amount to be added with the following month(s) installment and the lowest charge will be Tk. 10/- (Taka Ten).
Withdrawal
No profit shall be allowed for premature encashment within 01 (one) year.
Profit shall be allowed at the provisional rate of Mudaraba Savings Deposit if it is encashed after 01 (one) year but before 02(two) years.
If the account is encashed after completion of any tenure (as prescribed by the bank) but before maturity, depositor(s) will be entitled to receive full benefit for the completed tenure at the provisional rate of profit prescribed there-against. For remaining period depositor(s) will receive benefit at the provisional rate of profit prescribed for Mudaraba Savings Deposit.
Investment Facility
The depositor (except minor) can avail investment facility upto 90% of deposited amount after completion of 01 (one) year subject to application of normal terms & conditions of investment the bank .
Reasons for disqualification from this scheme
If the depositor fails to deposit 03 (three) consecutive installments at any point of time, it will cease the right of depositor to remain within the purview of the account and profit against balance of deposited amount will be allowed as per terms & conditions for premature encashment.
In case of death of account holder(s), the account will be in-operative and the entire deposited amount with profit (if applicable) shall be paid to the nominee or the legal guardian of minor nominee(s) as mentioned in the account opening form. If the nominee is minor, the same shall be paid to the legal guardian of the minor. In other cases, the amount shall be released as per rules in force.
Achievement from the scheme