Islamic Regular Savings Account

MTB Islamic Savings Account operates under the Shari’ah-compliant mode of Mudarabah, a form of partnership between a client and MTB Islamic. The depositor is Rab-ul-Maal (capital provider), and the bank acts as Mudarib (fund manager). MTB Islamic allocates the funds to a deposit pool, which is utilized through Shari’ah-compliant modes of financing. Income generated from these financing projects is distributed between MTB Islamic and its clients as per the pre-agreed Income Sharing Ratio (ISR).

Key Features:

Minimum account opening deposit: BDT 500
No account maintenance fee
Profit credited semi-annually based on daily balance
No minimum balance required to earn profit
Access to debit card, SMS banking, cheque book, and internet banking
Option to upgrade to Privilege Account (conditions apply)
Eligibility for Islamic Ujrah Card based on average balance

Basic Fees & Charges*

Description	Amount**
Debit Card	BDT 500 per year
Cheque Book	BDT 15 per leaf
SMS Banking	BDT 200 per year (charged on June 30 and December 31)
Internet Banking	Free
Account Maintenance Fee	Free
On-line Cash Transaction (Inter & Within City)	Free
Account Closing Fee	BDT 200

*To get the complete Schedule of Charges (SOC), please visit: Schedule of Charges

**VAT Applicable

Last updated on *July 8, 2025*

Income Sharing Ratio (ISR)

Product Name	Balance Range	Income Sharing Ratio (ISR)	Indicative Profit Rate (IPR)
MTB Islamic Regular Savings Account	Below 15,000	5%	0.75%
	15,000 to less than 1 lac	7%	1.00%
	1 lac to less than 10 lacs	8%	1.25%
	10 lacs to less than 50 lacs	10%	1.50%
	50 Lacs and above	13%	2.00%

MTB