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Mudaraba Monthly Income Scheme
Objectives of the Scheme
A monthly income scheme. Secure your future with ease. A small savings of today will provide you comfort tomorrow.
Feature of Mudaraba Monthly Income Scheme
Any adult person (individually or jointly) having sound mind can open a Mudaraba Monthly Income Deposit Scheme (MMIDS) account with any branch of the bank by depositing at least Tk. 25,000/- (twenty five thousand) and its multiple amount on any day of the month.
Benefit against the deposited amount of the account would be credited to the Mudaraba Savings Deposit account of the client maintained with the branch on the same day of every succeeding month as per following rate (changeable as per management decision from time to time):
One or more account(s) can be opened in the same name at the same branch of the bank.
Weightage for deposit of Mudaraba Monthly Income Deposit Scheme (MMIDS) will be 1.24.
A specially designed receipt will be issued favouring the depositor(s) at the time of opening the account. The account holder must preserve the receipt carefully. In case of lost of receipt, bank must be informed without delay and account holder may be allowed a duplicate receipt of the same subject to submission of an indemnity bond. Bank will apply due formalities in this regard.
Tenure of Mudaraba Monthly Income Deposit Scheme (MMIDS) will be 01 (one) year. Normally, deposited amount of MMIDS is not encashable before maturity. If any depositor intends to encash his/her receipt before maturity (i.e. one year) due to certain unavoidable circumstances, in that case the depositor will not get any profit.
In case of death of account holder(s), the nominee(s) may continue the account till maturity. In that case, nominee(s) or legal guardian of minor nominee(s) must open a Mudaraba Savings Deposit account with the branch. The branch will credit monthly benefit of deposited amount of the account holder (deceased) to the account opened by the nominee(s)/legal guardian of minor nominee(s).
Investment against lien of such receipt may be allowed upto 80% of deposited amount subject to application of normal terms & conditions of investment of the bank. Benefit of Mudaraba Monthly Income Deposit Scheme (MMIDS) will be credited to the investment account of the client(s) till full adjustment of total liability.

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