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Dubai Islamic Fixed Deposit Account offers the ideal mix of long and short term benefits to depositors seeking attractive and Halal returns on their savings. With a history of high profit payouts Dubai Islamic Fixed Deposit Account is an excellent investment vehicle for depositors with excess funds.

By investing in the Dubai Islamic Fixed Deposit Account, the depositor (fund provider or Rabbul-Maal) authorizes DIBPL (fund manager or Mudarib) to invest his/her funds on the basis of unrestricted Mudaraba contract according to the principles of Sharia. DIBPL invests these funds in its Common Mudaraba Pool with other deposits and the shareholders’ equity. The profit on the Common Mudaraba Pool is distributed amongst the shareholders’ and depositors on the basis of agreed upon weightages which take into consideration the tenor, amount of deposit and profit payment frequency of the account.

Fixed Deposit placements can be made in:

Investment options are indicated below

Pak Rupees

Tenors Monthly Profit payment Quarterly profit Payment Half Yearly Profit Payment Maturity Profit Payment
1 Month NA NA NA Available
3 Month NA NA NA Available
6 Month NA NA NA Available
1 year Available Available Available Available
2 years Available Available Available Available
3 years Available Available Available Available
5 years Available Available Available Available
7 years Available Available Available Available

US Dollars

Tenors Monthly profit payment Quarterly profit payment Maturity Profit Payment
3 Months Available NA Available
6 Months Available NA Available
1 Year Available NA Available



Features of the Fixed Deposit Account

Free access to Dubai Islamic Internet Banking gives you the convenience to easily monitor your fixed deposits

Account Holder can give instructions for re-investment or roll-over of deposit for the next applicable period at the time of the booking

Enjoy Dubai Lounge Priority Banking services on meeting the balance requirements (as mentioned in the Schedule of Bank Charges) and enjoy a host of exclusive privileges

Investing couldn’t be easier

  1. Visit any DIBPL branch and open a checking account (current or savings). Don’t forget to apply for your VISA debit card, Internet banking and Phone Banking to enjoy 24/7 access to your funds.
  2. Once your checking account is opened, you can place a fixed deposit by visiting the branch, via Dubai Islamic Internet Banking or Phone Banking.
  3. Profits are automatically deposited into your linked checking account. You can utilize your profit amount without visiting the branch by using your VISA debit card at ATMs or merchant location

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