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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 1 year and earn Halal profit on a periodic basis.

Key Features

Investment Periods

Investment Periods

Investment can be made for 3 months, 6 months and 1 year

Profit Payments

Profit Payments

Profit payment optionsĀ are monthly or at maturity only

Minimum Investment

Minimum Investment

Minimum investment is Rs. 50,000/-

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 October 2020
Account Categories Profit Distribution Periods/Tier groups Weightage Assigned

Certificate of Islamic Investment - 3 months (Maturity)

50.0K - 0.99M 0.52
Certificate of Islamic Investment - 3 months (Maturity) 1.0M - 9.99M 0.52
Certificate of Islamic Investment - 3 months (Maturity) 10.0M - 49.99M 0.52
Certificate of Islamic Investment - 3 months (Maturity) 50.0M - 99.99M 0.52
Certificate of Islamic Investment - 3 months (Maturity) 100.0M - 499.99M 0.63
Certificate of Islamic Investment - 3 months (Maturity) 500.0M - 999.99M 0.63
Certificate of Islamic Investment - 3 months (Maturity) 1.0B - 4.99B 0.55
Certificate of Islamic Investment - 3 months (Maturity) 5.0B & Above 0.55
Certificate of Islamic Investment - 6 months (Maturity) 50K - 0.99M 0.52
Certificate of Islamic Investment - 6 months (Maturity) 1.0M - 9.99M 0.52
Certificate of Islamic Investment - 6 months (Maturity) 10.0M - 49.99M 0.52
Certificate of Islamic Investment - 6 months (Maturity) 50.0M - 99.99M 0.52
Certificate of Islamic Investment - 6 months (Maturity) 100.0M - 499.99M 0.63
Certificate of Islamic Investment - 6 months (Maturity) 500.0M - 999.99M 0.63
Certificate of Islamic Investment - 6 months (Maturity) 1.0B - & Above 0.55
Certificate of Islamic Investment - 1 year (Monthly) 50.0K - 0.99M 0.60
Certificate of Islamic Investment - 1 year (Monthly) 1.0M - 9.99M 0.60
Certificate of Islamic Investment - 1 year (Monthly) 10.0M - 49.99M 0.60
Certificate of Islamic Investment - 1 year (Monthly) 50.0M - 99.99M 0.60
Certificate of Islamic Investment - 1 year (Monthly) 100.0M - 499.99M 0.60
Certificate of Islamic Investment - 1 year (Monthly) 500.0M - 999.99M 0.57
Certificate of Islamic Investment - 1 year (Monthly) 1.0B & Above 0.57
Certificate of Islamic Investment - 1 year (Maturity) 50.0K - 0.99M 0.61
Certificate of Islamic Investment - 1 year (Maturity) 1.0M - 9.99M 0.61
Certificate of Islamic Investment - 1 year (Maturity) 10.0M - 49.99M 0.61
Certificate of Islamic Investment - 1 year (Maturity) 50.0M - 99.99M 0.64
Certificate of Islamic Investment - 1 year (Maturity) 100.0M - 499.99M 0.64
Certificate of Islamic Investment - 1 year (Maturity) 500.0M - 999.99M 0.64
Certificate of Islamic Investment - 1 year (Maturity) 1.0B - 4.99B 0.55
Certificate of Islamic Investment - 1 year (Maturity) 5.0B & Above 0.80
Certificate of Islamic Investment - 2 year Monthly 0.69
Certificate of Islamic Investment - 2 year Maturity 0.69
Certificate of Islamic Investment - 3 year Monthly 0.69
Certificate of Islamic Investment - 3 year Maturity 0.69
Certificate of Islamic Investment - 5 year Monthly 0.69
Certificate of Islamic Investment - 5 year Maturity 0.69
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Consolidated Weightages
Profit Rates for the Month of August 2020

Certificate of Islamic Investment

Product Amount / Tenure / Profit Payment Profit Assigned
COII - 3 months (Maturity) 50K - 0.99 M

4.53%

COII - 3 months (Maturity) 1.0 M - 9.99 M 4.53%
COII - 3 months (Maturity) 10.0 M - 49.99 M 4.53%
COII - 3 months (Maturity) 50.0 M - 99.99 M 4.53%
COII - 3 months (Maturity) 100.0 M - 499.99 M 5.42%
COII - 3 months (Maturity) 500.0 M - 999.99 M 5.42%
COII - 3 months (Maturity) 1.0 B - 4.99 B -
COII - 3 months (Maturity) 5.0 B & Above -
COII - 6 months (Maturity) 50 K - 0.99 M 4.53%
COII - 6 months (Maturity) 1.0 M - 9.99 M 4.53%
COII - 6 months (Maturity) 10.0 M - 49.99 M 4.53%
COII - 6 months (Maturity) 50.0 M - 99.99 M 4.53%
COII - 6 months (Maturity) 100.0 M - 499.99 M 5.51%
COII - 6 months (Maturity) 500.0 M - 999.99 M 5.51%
COII - 6 months (Maturity) 1.0 B & Above -
COII - 1 Year (Monthly) 50.0 K - 0.99 M 5.24%
COII - 1 Year (Monthly) 1.0 M - 9.99 M 5.24%
COII - 1 Year (Monthly) 10.0 M - 49.99 M 5.24%
COII - 1 Year (Monthly) 50.0 M - 99.99 M 5.24%
COII - 1 Year (Monthly) 100.0M - 499.99 M 5.24%
COII - 1 Year (Monthly) 500.0 M - 999.99 M -
COII - 1 Year (Monthly) 1.0 B& Above -
COII - 1 Year (Maturity) 50.0 K - 0.99 M 5.06%
COII - 1 Year (Maturity) 1.0 M - 9.99 M 5.06%
COII - 1 Year (Maturity) 10.0 M - 49.99 M

5.33%

COII - 1 Year (Maturity) 50.0 M - 99.99 M 5.60%
COII - 1 Year (Maturity) 100.0M - 499.99 M 5.60%
COII - 1 Year (Maturity) 500.0 M - 999.99 M 5.77%
COII - 1 Year (Maturity) 1.0 B - 4.99B -
COII - 1 Year (Maturity) 5.0 B& Above 7.02%
COII - 2 year Monthly 6.04%
COII - 2 year Maturity 6.04%
COII - 3 year Monthly 6.04%
COII - 3 year Maturity 6.04%
COII - 5 year Monthly 6.04%
COII - 5 year Maturity 6.04%
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Profit Rates
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

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