Cautionary Notice (Regarding Online Forex Trading / Dealing) Disclosures on Risk Based Capital (Basel-II)
Admission circular of EXIM Bank Agricultural University Bangladesh

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Basel –II Market Disclosure
Mudaraba Monthly Saving Scheme (Money Grower)
Objectives of the Scheme
A monthly savings scheme. Secure your future with ease. A small savings of today will provide you comfort tomorrow.
Savings Period and Monthly Installment Rate
The savings period is for 3, 5, 8, 10 or 12 years.
Monthly installment is Tk. 500/-, 1000/-, 2000/- or 5000/-.
Not less than 65% of investment income shall be distributed among the Murabaha Depositors as per weightage. The deposit will bear weightage 1.16, 1.17, 1.18, 1.19 respectively.
Bank reserves the right to change the weightage of deposit & percentage of distribution of Investment Income.
Monthly Installment Deposit
The savings amount is to be deposited within the 10 th 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.
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
Generally, withdrawal is not advised before a 5 (five)-year term, but if it is withdrawn before the above term, profit will be paid at savings rate. However, no profit will be paid if the deposit is withdrawn within 1 (one) year of opening the account.
In case the depositor wishes to withdraw between the 5, 8, 10 or 12 years period then full profit will be paid for a completed term and savings rate will be applicable for the fractional period.
Quard Advantage
After 3 (three) years of savings in this scheme the depositor (if adult) is eligible for a quard up to 90% of his/her deposited amount. In that case, profit rates on the quard will be applicable as per prevailing rate at that time.
Reasons for disqualification from this scheme
If the depositor fails to pay 3 (three) installments in a row, then he/she will be disqualified from this scheme and profit will be applicable as mentioned in withdrawal clause.
If a depositor fails to pay 5 (five) installments in a row after completion of any one of these terms, then the Bank reserves the right to close the account and profit will be paid as mentioned in withdrawal clause.
In case of death of the depositor the scheme will cease to function. The amount will be handed over to the nominee of the deceased depositor. In case of absence of the nominee, the bank will handover the accumulated amount to the successor of the deceased.
Achievement from the scheme
The accumulated amount may be more or less of following table
Year Rate of Profit Different slabs and estimated payable after maturity ( may be more or less)
200/- 500/- 1,000/- 2,000/- 5,000/- 10,000/- 20,000/-
03 Years 11.30% 8604/- 21510/- 43019/- 86038/- 215095/- 430190/- 860380/-
05 Years 11.45% 16249/- 40623/- 81245/- 162490/- 406225/- 812450/- 1624900/-
08 Years 11.60% 31715/- 79287/- 158573/- 317146/- 792865/- 1585730/- 3171460/-
10 Years 11.75% 45782/- 114456/- 228911/- 457822/- 1144555/- 2289110/- 4578220/-
12 Years 11.80% 63511/- 158777- 317553/- 635106/- 1587765/- 3175530/- 6351060/-
Rules
A form has to be filled at the time of opening the account. Attested photographs are advised.
The depositor can select any of the installment amounts which cannot be subsequently changed.
In case of minors, the guardians may open and supervise the account in his favor.
A single person can open more than one account for saving under several installment amount.
The accumulated deposit with profit will be returned within one month of completion of a term.
The depositor should notify the bank immediately on any change of address.
The government tax will be deducted from the profit accumulated in this scheme.
If necessary, at the request of the depositor, the scheme can be transferred to another branch.
The Bank reserves the right to change the rules and regulations of the scheme as and when deemed necessary.
Income Tax on profit paid shall be deducted at the time of payment.