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Mudharabah

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

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.

  • Choice of investment options ranging from 1 month to 60 months term
  • Option of receiving profit returns on a monthly, annual or at-maturity basis
  • Profits can be paid to your Mudharabah Savings Account maintained with us or to another bank account as required by you
  • Access to 100 + LOLC Finance branches and dedicated Al-Falaah centres island-wide

Mudharabah Savings Account

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.

  • Fully-integrated Savings Account with Pass Book and ATM facilities
  • Global Access through VISA Debit Card & ATM Access
  • LOLC Real-Time Internet-Banking
  • Access to 600+ Commercial Bank ATM machines island wide
  • Unlimited withdrawals and deposits
  • Highest profit returns on a monthly basis
  • Supervised by industry leading scholars
GENERAL - MUDHARABAH
Month
Category
Revised PSR
InvestorCompany
1Maturity4258
3Monthly4456
Maturity4654
6Monthly4456
Maturity4654
12Monthly4456
Maturity4654
24Monthly4654
Annually4852
Maturity4852
36Monthly4654
Annually5149
Maturity5149
48Monthly4654
Annually5347
Maturity5347
60Monthly4654
Annually5644
Maturity5644

LADIES - MUDHARABAH
Month
Category
Revised PSR
InvestorCompany
1Maturity4258
3Monthly4456
Maturity4654
6Monthly4456
Maturity4654
12Monthly4456
Maturity4654
24Monthly4654
Annually4852
Maturity4852
36Monthly4654
Annually5149
Maturity5149
48Monthly4654
Annually5347
Maturity5347
60Monthly4654
Annually5644
Maturity5644

SENIOR - MUDHARABAH
Month
Category
Revised PSR
InvestorCompany
1Maturity4258
3Monthly4456
Maturity4654
6Monthly4456
Maturity4654
12Monthly4456
Maturity4654
24Monthly4654
Annually4852
Maturity4852
36Monthly4654
Annually5149
Maturity5149
48Monthly4654
Annually5347
Maturity5347
60Monthly4654
Annually5644
Maturity5644

PROFIT DECLARED - AL-FALAAH SAVINGS MUDHARABAH
Type
New PSR
23-Jul
23-Aug
23-Sep
23-Oct
AL-FALAAH GENERAL
25
75
5.32%
5.07%
5.16%
4.77%
AL-FALAAH JUNIRO
30
70
6.38%
6.09%
6.19%
5.73%
AL-FALAAH LADIES
30
70
6.38%
6.09%
6.19%
5.73%
AL-FALAAH SENIOR
30
70
6.38%
6.09%
5.19%
5.73%

AL-FALAAH SUPER SAVINGS MUDHARABAH
MSS Slabs
New PSR
23-Aug
23-Sep
23-Oct
Up to Rs. 14,999/-
25
75
5.07%
5.16%
4.77%
Rs. 15,000/- to Rs. 34,999/-
27.5
72.5
5.58%
5.67%
5.25%
Rs. 25,000/- to 34,999/-
30
70
6.09%
6.19%
5.73%
Rs. 35,000/- to 49,999/-
32.5
67.5
6.60%
6.70%
6.20%
Rs. 50,000/- to 64,999/-
35
65
7.10%
7.22%
6.68%
Rs. 65,000/- to 74,999/-
37.5
62.5
7.61%
7.74%
7.16%
Rs. 75,000/- and over
40
60
8.12%
8.25%
7.64%

Mudharabah Savings


Type
PSR
AL-FALAAH - GENERAL2575
AL-FALAAH - JUNIOR3070
AL-FALAAH - LADIES3070
AL-FALAAH - SENIOR3070

Mudharabah Super Saver

“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!

  • Unlimited withdrawals and deposits
  • Fully-integrated savings account with a passbook
  • Internet access via ‘LOLC Realtime’
  • International VISA Debit Card & ATM access island-wide
  • “FREE” ATM withdrawals & “FREE” Online Transfers
  • Higher Safety and Security
  • Higher profit returns on a monthly basis
  • Supervised by and under purview LOLC Al-Falaah
  • Widest reach with over 100+ dedicated Al-Falaah centres and LOLC Finance branches island-wide


Minimum Investment     : Rs. 10,000/-
Profit Share Ratio (PSR) : 30:70 (Investor : Company)

MUDHARABAH SUPER SAVINGS
SLABS Savings Balance (LKR) 
PSR
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