Investment Products

The Bank takes permission from the depositor to use the deposit according to Islamic Shariah but guarantees that the amount deposited would be available to depositors whenever s/he demands.

Bai-Murabaha (Sale on cost plus profit)

The terms ‘Bai-Murabaha’ have been derived from Arabic words ﺢﻳﺑ and ﺢﺑﺭ (Bai and Ribhun). The word ﺢﻳﺑ means purchase and sale and the word ﺢﺑﺭ means an agreed upon profit. ﺢﺑﺍﺭﻣﺍﺢﻳﺑ ‘Bai-Murabaha’ means ‘sale on agreed upon profit’.

Bai Istisna (Pre-Shipment Investment)

Istisna' is generally a long-term contract whereby a party undertakes to manufacture, build or construct assets, with an obligation from the manufacturer or producer to deliver them to the customer upon completion.


The terms ‘Bai’ and ‘Muajjal’   have been derived from Arabic words ‘ﻊﻴﺒ’ and   ‘ﻝﺟﺍ’. The word ‘ﻊﻴﺒ’ means purchase and sale and the word ‘ﻝﺟﺍ’ means a fixed time or a fixed period.

Bai-Salam(Sale in advance)

The terms ‘Bai’ and ‘Salam’ have been derived from Arabic words ‘ﻊﻴﺒ’ andﺴﻠﻢ'’. The word ‘Bai’ means ‘Sale and purchase’ and the word ‘Salam’ means ‘advance’. ‘Bai-Salam’ means ‘advance sale and Purchase’

Hire Purchase Under Shirkatul Melk(HPSM)

Hire Purchase under Shirkatul Melk is a Special type of contract which has been developed through practice

Mudarabah Mode (Self-employed entrepreneur)

The term ‘Mudarabah’ has been derived from one of the meanings of the Arabic word ‘ﺏﺮﺿ’which means ‘Travel’. Thus the word ‘Mudarabah’ means ‘Travel’ for undertaking business.

Mushrakah Mode (Partnership Business)

The word ‘Musharaka’ has been derived from the Arabic word ‘Shirkat’ or 'Sharikat (Shirk)’. In Arabic, Shirkat or Sharikat or Shirk means partnership or sharing. Thus the literal meaning of 'Musharaka' is sharing though the connotation of this term is limited than the term Shirkat.

Special Investment Schemes

Keeping in view the objectives of the Bank, policy guidelines of Bangladesh Bank for upliftment and socio-economic emancipation of the underprivileged, down-trodden, neglected and weaker section of the populace,

Bank Guarantee

A bank guarantee is a written undertaking given by a bank to cover various situations to support exporters or contractors. It is used as a protection against non-fulfilment of another party’s obligations. A Bank Guarantee is an irrevocable obligation, non-cancellable, by the bank