What’s in this section
- Mudaraba term deposit: expected payout for a lump sum from 1 month to several years, after source tax and excise duty.
- Mudaraba monthly savings scheme: what monthly instalments grow to at maturity, with a year-by-year table.
- Monthly profit scheme: the monthly profit from a lump sum, including senior citizen rates.
- HPSM home/car finance: monthly instalment, rent and how your ownership share grows under shirkatul milk.
- Murabaha / Bai-Muajjal: sale price from cost plus profit, instalments and the equivalent yearly rate.
- Ijarah rent: a rent schedule from the asset value and rent rate.
- Hajj savings planner: how much to save each month to reach your Hajj cost.
Every calculation uses the provisional rate; the bank declares the final rate after the year. Product rules differ by bank, so confirm the terms and rate with your bank before opening.