facebook

If you found this page informative, share it now!

Truly Halal and Absolutely Riba-Free!

The Certificate of Islamic Investment (COII) is a Mudarabah-based deposit product through which you can invest your savings for periods ranging from 3 months to 5 years and earn Halal profit on a periodic basis.

Key Features

Investment Periods

Investment Periods

Investment can be made for 3 months, 6 months, 1 year, 2 years, 3 years andĀ 5 years

Profit Payments

Profit Payments

Profit payment optionsĀ are monthly, quarterly or at maturity

Minimum Investment

Minimum Investment

Quarterly and on-maturity payment = Rs. 50,000/
Monthly profit payment = Rs. 200,000/

COII Plus

COII Plus

Enjoy a higher weightage with COII Plus on your term deposit on 3 months to 1 year by investing Rs. 1 million or more.

Premature Withdrawal

Pre Mature Withdrawal

Pre-mature withdrawal can be made as per approved schedule

How the Certificate of Islamic Investment Works

Profit Sharing and Distribution Method

The Distributable income of the deposit pool is distributed among the bank (Mudarib) and customers (Rab ul Maal) on the basis of a pre-determined profit sharing ratio and weightages which shall be announced 3 days before beginning of every month and shall not be changed during the month. According to the sprit of Mudarbah, the profit rates are calculated and announced up to seven days of the subsequent month from the monthly income of the trade activities of the pool. Conversely, in case of the loss as per the rule of Mudarbah, the Rab ul Maal shall bear the loss in the ratio of their investment.

Profit Sharing Ratio

Bank will share 50% of Distributable Income as Mudarib

Depositor will share 50% of Distributable Income as Rab-ul-Maal

Weightages for the Month of November 2018
Account Categories Profit Distribution Periods/Tier groups Weightage Assigned
Certificate of Islamic Investment - 3 months 3 months 0.75
Certificate of Islamic Investment - 6 months 6 months 0.79
Certificate of Islamic Investment - 1 year Monthly 0.83
Certificate of Islamic Investment - 1 year Quarterly 0.90
Certificate of Islamic Investment - 1 year Maturity 0.92
Certificate of Islamic Investment - 2 year Monthly 0.90
Certificate of Islamic Investment - 2 year Quarterly 0.94
Certificate of Islamic Investment - 2 year Maturity 0.99
Certificate of Islamic Investment - 3 year Monthly 0.97
Certificate of Islamic Investment - 3 year Quarterly 1.01
Certificate of Islamic Investment - 3 year Maturity 1.03
Certificate of Islamic Investment - 5 year Monthly 1.05
Certificate of Islamic Investment - 5 year Quarterly 1.06
Certificate of Islamic Investment - 5 year Maturity 1.07
Certificate of Islamic Investment PLUS - 3 months 1.0M - 2.99M 0.80
Certificate of Islamic Investment PLUS - 3 months 3.0M - 9.99M 0.84
Certificate of Islamic Investment PLUS - 3 months 10.0M - 24.99M 0.86
Certificate of Islamic Investment PLUS - 3 months 25.0M - 49.99M 0.88
Certificate of Islamic Investment PLUS - 3 months 50.0M & 99.99M 0.90
Certificate of Islamic Investment PLUS - 3 months 100.0M - 249.99M 0.92
Certificate of Islamic Investment PLUS - 3 months 250.0M & Above 0.97
Certificate of Islamic Investment PLUS - 6 months 1.0M - 2.99M 0.95
Certificate of Islamic Investment PLUS - 6 months 3.0M - 9.99M 0.97
Certificate of Islamic Investment PLUS - 6 months 10.0M - 24.99M 0.97
Certificate of Islamic Investment PLUS - 6 months 25.0M - 49.99M 1.13
Certificate of Islamic Investment PLUS - 6 months 50.0M & Above 1.15
Certificate of Islamic Investment PLUS - 1 year Monthly 1.0M - 2.99M 0.85
Certificate of Islamic Investment PLUS - 1 year Monthly 3.0M - 9.99M 0.90
Certificate of Islamic Investment PLUS - 1 year Monthly 10.0M - 24.99M 0.92
Certificate of Islamic Investment PLUS - 1 year Monthly 25.0M - 49.99M 0.94
Certificate of Islamic Investment PLUS - 1 year Monthly 50.0M & Above 0.96
Certificate of Islamic Investment PLUS - 1 year Quarterly 1.0M - 2.99M 0.91
Certificate of Islamic Investment PLUS - 1 year Quarterly 3.0M - 9.99M 0.92
Certificate of Islamic Investment PLUS - 1 year Quarterly 10.0M - 24.99M

0.96

Certificate of Islamic Investment PLUS - 1 year Quarterly 25.0M - 49.99M

0.96

Certificate of Islamic Investment PLUS - 1 year Quarterly 50.0M & Above 0.99
Certificate of Islamic Investment PLUS - 1 year Maturity 1.0M - 2.99M 0.97
Certificate of Islamic Investment PLUS - 1 year Maturity 3.0M - 9.99M 0.99
Certificate of Islamic Investment PLUS - 1 year Maturity 10.0M - 24.99M 0.99
Certificate of Islamic Investment PLUS - 1 year Maturity 25.0M - 49.99M 1.01
Certificate of Islamic Investment PLUS - 1 year Maturity 50.0M - 199.99M 1.02
Certificate of Islamic Investment PLUS - 1 year Maturity 200.0M - 249.99M 1.41
Certificate of Islamic Investment PLUS - 1 year Maturity 250.0M - 499.99M 1.43
Certificate of Islamic Investment PLUS - 1 year Maturity 500.0M - 999.99M 1.48
Certificate of Islamic Investment PLUS - 1 year Maturity 1B & Above 1.53
Special Account Categories Profit Distribution Periods/Tier groups Weightage Assigned
Certificate of Islamic Investment For Individuals - 3 months 50.0M - 124.99M

1.34

Certificate of Islamic Investment For Individuals - 3 months 125.0M - 274.99M 1.44
Certificate of Islamic Investment For Individuals - 3 months 275.0M - 499.99M 1.53
Certificate of Islamic Investment For Individuals - 3 months 500.0M & Above 1.57
Certificate of Islamic Investment For Corporates - 3 months 50.0M - 124.99M 1.43
Certificate of Islamic Investment For Corporates - 3 months 125.0M - 274.99M 1.53
Certificate of Islamic Investment For Corporates - 3 months 275.0M - 499.99M 1.54
Certificate of Islamic Investment For Corporates - 3 months 500.0M - 999.99M 1.56
Certificate of Islamic Investment For Corporates - 3 months 1.0B & Above 1.59
Certificate of Islamic Investment For Individuals - 6 months 50.0M - 124.99M 1.38
Certificate of Islamic Investment For Individuals - 6 months 125.0M - 274.99M 1.49
Certificate of Islamic Investment For Individuals - 6 months 500.0M & Above 1.62
Certificate of Islamic Investment For Corporates - 6 months 50.0M - 124.99M 1.48
Certificate of Islamic Investment For Corporates - 6 months 125.0M - 274.99M 1.57
Certificate of Islamic Investment For Corporates - 6 months 275.0M - 499.99M 1.58
Certificate of Islamic Investment For Corporates - 6 months 500.0M - 999.99M 1.64
Certificate of Islamic Investment For Corporates - 6 months 1.0B & Above 1.67
Certificate of Islamic Investment For Individuals - 12 months 50.0M - 124.99M 1.57
Certificate of Islamic Investment For Individuals - 12 months 125.0M - 274.99M 1.62
Certificate of Islamic Investment For Individuals - 12 months 275.0M - 499.99M 1.65
Certificate of Islamic Investment For Individuals - 12 months 500.0M & Above 1.67
Certificate of Islamic Investment For Corporates - 12 months 50.0M - 124.99M 1.62
Certificate of Islamic Investment For Corporates - 12 months 125.0M - 274.99M 1.68
Certificate of Islamic Investment For Corporates - 12 months 275.0M - 499.99M 1.70
Certificate of Islamic Investment For Corporates - 12 months 500.0M & Above 1.72
Show More
Consolidated Weightages
Profit Rates for the Month of October 2018

Certificate of Islamic Investment

Tenures Profit Rates at Maturity Quarterly Rates Monthly Rates
Three Months 3.96% - -
Six Months 4.24% - -
One Year 4.90% 4.76% 4.38%
Two Year 5.23% 5.04% 4.76%
Three Year 5.51% 5.37% 5.18%
Five Year 5.70% 5.65% 5.61%
Special Account Categories Profit Distribution Periods/Tier groups Profit Assigned
Certificate of Islamic Investment For Individuals - 3 months 10.0M - 14.99M

6.12%

Certificate of Islamic Investment For Individuals - 3 months 15.0M - 24.99M 6.27%
Certificate of Islamic Investment For Individuals - 3 months 25.0M - 74.99M 6.64%
Certificate of Islamic Investment For Individuals - 3 months 75.0M - 199.99M 6.69%
Certificate of Islamic Investment For Corporates - 3 months 10.0M - 49.99M 6.64%
Certificate of Islamic Investment For Corporates - 3 months 50.0M - 99.99M 6.69%
Certificate of Islamic Investment For Corporates - 3 months 100.0M - 249.99M 7.16%
Show More
Historical Profit Rates

Zakat Clause : In COIIs Zakat is deducted as per the directives of Zakat and Ushr Ordinance, 1980. Therefore, customers are advised to calculate their Zakat as per the guidelines of their respective school of thought (Makatib e fikr).

Fatwa on Deposit Products

Download Fatwa

Invest in an Islamic Investment Certificate

Fill out the form below and you'll be guided about how you can invest with us.

Name *
Email
Phone Number *
City
Nearest branch