Deposit Details
Mudaraba Term Deposit Receipt (MTDR)
Invest a fixed amount for a selected period through FCA's Shariah-compliant Mudaraba Term Deposit Receipt with clear tenure guidance.
Product Overview
A fixed-term deposit option with clear guidance
Mudaraba Term Deposit Receipt (MTDR) is designed for members who want to place a fixed amount for a selected period under Shariah-compliant Mudaraba principles.
The product focuses on clear tenure selection, documentation support, and transparent communication so members can understand the process before enrollment.
Quick Facts
Product Terms
Mudaraba Term Deposit Account (MTDR)
Review eligibility, tenure, provisional profit rates and encashment conditions.
Eligibility & Tenure
Who can open an MTDR?
- Must be a Member or Investor of FCA
- Must be above 18 years old
Tenure
MTDR tenure will be from 1 to 3 years.
Provisional Profit Rates
Profit rate by deposit amount and tenure
| Deposit Amount | 1-Year Tenure | 3-Year Tenure |
|---|---|---|
| Below Tk. 500,000 | 11% | 12% |
| Above Tk. 500,000 | 12% | 13.50% |
Profit Withdrawal
Profit may be withdrawn at the end of each year.
Premature Encashment
- If withdrawn before maturity, a savings profit rate of 5% will apply.
- No profit will be paid if withdrawn before 6 months.
Key Benefits
Why members choose MTDR
Fixed Tenure
Select a deposit period that matches your savings and financial planning goals.
Mudaraba Profit
Participate in a Mudaraba profit-sharing model with clear guidance before enrollment.
Clear Documentation
Receive support for tenure, documents, and product information before deposit placement.
Member Guidance
FCA helps members review MTDR terms and understand the process before deciding.
Deposit Features
MTDR product features
01Fixed amount deposit participation
02Selected tenure with clear guidance
03Mudaraba-based profit-sharing support
04Transparent maturity and update process
How It Works
Start your MTDR journey in four steps
01
Inquiry
Contact FCA to understand the product and ask initial questions.
02
Documentation
Submit required member information and supporting documents.
03
Deposit
Place your MTDR fixed-term deposit according to the selected tenure.
04
Update
Receive guidance and transparent communication from FCA.
Required Documents
Prepare before enrollment
- Member application information
- National ID or valid identity document
- Recent passport-size photo
- Nominee and contact information
FAQ
Common questions
Mudaraba Term Deposit Receipt (MTDR) is FCA's fixed-period deposit product where members place a selected amount for a selected tenure under Mudaraba guidance.
Yes. MTDR is designed for selected-period participation. FCA support can explain available tenure guidance and documentation before enrollment.
Contact FCA support, review the MTDR tenure and documentation requirements, then complete enrollment with member guidance.
Other Deposit Product
Explore MSSA for flexible gradual savings
Mudaraba Special Savings Account (MSSA)
View MSSA DetailsStart your FCA deposit journey with confidence
Get clear guidance about MTDR before you decide.
Contact FCA