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Our products are based on the principle of profit-sharing. Al-Falaah ensures that each and every investment is handled within the principles of Islamic economic guidelines, and is designed to suit the requirements of our valued customers
Mudharabah Investments is a profit-sharing agreement between two parties – the investor and entrepreneur (Al-Falaah). The better the performance of the business, the higher the profit payable to you – shared between the investor and entrepreneur on a pre-determined ratio agreed by both parties.
An extension of Mudharabah, this unique savings account offers the convenience of easy savings, with an electronically updated passbook, which provides you access through any one of the company’s branches. An industry-first ATM card linked to the Maestro network, thereby enabling you to access your account via the international ATM network.
| Investor | Company | ||
| 1 | Maturity | 66% | 34% |
| 3 | Monthly | 62% | 38% |
| Maturity | 64% | 36% | |
| 6 | Monthly | 62% | 38% |
| Maturity | 66% | 34% | |
| 12 | Monthly | 56% | 44% |
| Maturity | 58% | 42% | |
| 24 | Monthly | 48% | 52% |
| Annually | 52% | 48% | |
| Maturity | 54% | 46% | |
| 36 | Monthly | 46% | 54% |
| Annually | 54% | 46% | |
| Maturity | 56% | 44% | |
| 48 | Monthly | 48% | 52% |
| Annually | 56% | 44% | |
| Maturity | 58% | 42% | |
| 60 | Monthly | 48% | 52% |
| Annually | 60% | 40% | |
| Maturity | 62% | 38% | |
| Investor | Company | ||
| 1 | Maturity | 67% | 33% |
| 3 | Monthly | 63% | 37% |
| Maturity | 65% | 35% | |
| 6 | Monthly | 63% | 37% |
| Maturity | 67% | 33% | |
| 12 | Monthly | 57% | 43% |
| Maturity | 59% | 41% | |
| 24 | Monthly | 49% | 51% |
| Annually | 53% | 47% | |
| Maturity | 55% | 45% | |
| 36 | Monthly | 47% | 53% |
| Annually | 55% | 45% | |
| Maturity | 57% | 43% | |
| 48 | Monthly | 49% | 51% |
| Annually | 57% | 43% | |
| Maturity | 59% | 41% | |
| 60 | Monthly | 49% | 51% |
| Annually | 61% | 39% | |
| Maturity | 63% | 37% | |
| Investor | Company | ||
| 1 | Maturity | 68% | 32% |
| 3 | Monthly | 64% | 36% |
| Maturity | 66% | 34% | |
| 6 | Monthly | 64% | 36% |
| Maturity | 68% | 32% | |
| 12 | Monthly | 58% | 42% |
| Maturity | 60% | 40% | |
| 24 | Monthly | 50% | 50% |
| Annually | 54% | 46% | |
| Maturity | 56% | 44% | |
| 36 | Monthly | 48% | 52% |
| Annually | 56% | 44% | |
| Maturity | 58% | 42% | |
| 48 | Monthly | 50% | 50% |
| Annually | 58% | 42% | |
| Maturity | 60% | 40% | |
| 60 | Monthly | 50% | 50% |
| Annually | 62% | 38% | |
| Maturity | 64% | 36% | |
| PROFIT DECLARED - AL-FALAAH SAVINGS MUDHARABAH | ||||||
|---|---|---|---|---|---|---|
| Type | ||||||
| AL-FALAAH GENERAL | ||||||
| AL-FALAAH JUNIRO | ||||||
| AL-FALAAH LADIES | ||||||
| AL-FALAAH SENIOR | ||||||
| AL-FALAAH SUPER SAVINGS MUDHARABAH | ||||||
|---|---|---|---|---|---|---|
| Type | ||||||
| AL-FALAAH SUPER SAVER | ||||||
| AL-FALAAH - GENERAL | 25 | 75 |
| AL-FALAAH - JUNIOR | 30 | 70 |
| AL-FALAAH - LADIES | 30 | 70 |
| AL-FALAAH - SENIOR | 30 | 70 |
“Mudharabah Super Saver” gives you the exceptional benefit of a “Super” bonus for the money that you save.
Based on the principle of profit sharing your progressive savings discipline will be rewarded by us!
Minimum Investment : Rs. 10,000/-
Profit Share Ratio (PSR) : 30:70 (Investor : Company)
| MUDHARABAH SUPER SAVINGS | |||
|---|---|---|---|
| SLABS | Savings Balance (LKR) | ||
| Investor | Company |
||
| SLAB 1 | 15,000 - 24,999 | 32 | 68 |
| SLAB 2 | 25,000 - 34,999 | 34 | 66 |
| SLAB 3 | 35,000 - 49,999 | 36 | 64 |
| SLAB 4 | 50,000 - 64,999 | 38 | 62 |
| SLAB 5 | 65,000 - 74,999 | 40 | 60 |
| SLAB 6 | 75,000 & ABOVE | 42 | 58 |
The above PSR are within the Finance Business Act No. 42 of 2011 (Amendments to the Maximum Interest Rates on Deposit and Debt Instrument) Direction No. 04 of 2020, issued by the Central Bank of Sri Lanka.
*Conditions Apply