A longer perspective

Make space for
the bigger picture.

Ghazanfar Bank offering Mudarabah Fixed Deposit for those who are seeking attractive and Halal return on their savings. In this investment, the depositors ( rabul- Maal) are the provider of fund and authorized of Ghazanfar bank ( Mudarib) to invest their fund on the basis on unrestricted Mudarabah account , in conformity with Shariah principles.

Mudarabah Fixed Deposit AccountAccounts
Minimum AmountAFN 10,000Minimum initial deposit of AFN 10,000 or USD 200. Minimum balance to maintain is AFN 10,000 or USD 200.
Maximum AmountNo LimitNo maximum deposit limit. Invest as much as you wish in your Fixed Deposit Account.
Made for your next step

Key Benefits

Discover the advantages of Mudarabah Fixed Deposit with Ghazanfar Bank

01

Unlimited Investment

Invest any amount with no upper limit on your Mudarabah Fixed Deposit.

02

SMS Alert

Receive SMS notifications for your account activity and profit updates.

03

Shariah Compliant

Fully in compliance with Shariah rules and principles, as certified by our Shariah Board.

04

Flexible Tenure

Choose a flexible deposit tenure of one year to suit your financial planning goals.

05

Part Withdrawal Option

Withdraw a portion of your deposit when needed without closing the full account.

06

Halal Profit Returns

Earn Halal profit on your fixed deposit, calculated on a yearly basis per the agreed profit sharing ratio.

The details that matter

A closer look at
Mudarabah Fixed Deposit Account.

Understand the published features and prepare for a conversation with our team.

Explore all accounts
01

Account Overview

The Mudarabah Fixed Deposit Account is offered by the Islamic Window of Ghazanfar Bank for customers seeking attractive and Halal returns on their savings. The profit sharing ratio is agreed upfront between the depositor (Rab-ul-Maal) and the bank (Mudarib), with all investments made exclusively in Shariah-compliant products. Account performance is calculated on a yearly basis, with flexible tenure of one year and a part withdrawal option available.

    02

    Profit Sharing Rule

    The Mudarabah Fixed Deposit Account operates under the principle of Mudarabah, where the profit sharing ratio is agreed upfront between the depositor (Rab-ul-Maal) and the bank (Mudarib). The bank invests exclusively in Shariah-compliant products and calculates the performance on a yearly basis, ensuring complete compliance with Islamic Shariah principles.

    No fixed profit is guaranteed. Profit (if any) is distributed based on the bank's declared yearly rate after the bank's performance calculation period. The latest announced rate for Mudarabah Deposit is 0.81% (For The Month of Apr 2025).

    • The profit sharing ratio is agreed upfront between the depositor (Rab-ul-Maal) and the bank (Mudarib)
    • All investments are made exclusively in Shariah-compliant products
    • Account performance is calculated on a yearly basis
    • Latest announced rate for Mudarabah Deposit: 0.81% (For The Month of Apr 2025)
    • Profit amount will be transferred to customer accounts after tax deduction
    03

    Eligible Customers

    Adult individuals, singly or jointly with other adults, can open a Mudarabah Fixed Deposit Account.

    For specific eligibility requirements or special circumstances, please contact your nearest Ghazanfar Bank branch.

    • Adult Individuals — Adults can open a Mudarabah Fixed Deposit Account individually in their own name.
    • Joint Account Holders — Two or more adults can open and operate a Mudarabah Fixed Deposit Account jointly.
    • Trusts & Societies — Trusts, societies and similar bodies approved by competent authorities may open an account.
    • Approved Organizations — Other organizations approved by the competent authorities in the country are eligible to open an account.
    04

    Required Documents

    To open your Mudarabah Fixed Deposit Account, please prepare the following documents. Having these ready will help speed up the account opening process. To open your Mudarabah Fixed Deposit Account, please prepare the following documents. Having these ready will help speed up the account opening process.

    All documents must be original copies. Photocopies will be made at the branch.

    • Address proof by taking Tazkira
    • Identification proof such as passport, voter identity card, or identity card issued by employer
    • Latest passport-size photograph
    • Duly completed and signed account opening form
    • Introduction by an existing Ghazanfar Bank account holder
    • Need the account opening form? — Download our official form and complete it before your visit
    05

    Account Limits

    Flexible fixed deposit with a competitive minimum investment requirement.

    The minimum deposit must be maintained throughout the tenure.

    • Minimum Amount — AFN 10,000 Minimum initial deposit of AFN 10,000 or USD 200. Minimum balance to maintain is AFN 10,000 or USD 200.
    • Maximum Amount — No Limit No maximum deposit limit. Invest as much as you wish in your Fixed Deposit Account.
    06

    Schedule of Charges

    Transparent pricing for all Mudarabah Fixed Deposit account services

    On closure of the account before three. All charges are subject to change with prior notice to customers.

      Schedule of Charges
      ServiceCharges
      Account Opening FeeFree
      Minimum Balance (AFN)AFN 10,000
      Minimum Balance (USD)USD 200
      Profit Tax DeductionAs per government regulations
      07

      Corporate accounts — Eligible Customers

      Adult individuals, singly or jointly with other adults, can open a Mudarabah Fixed Deposit Account.

      For specific eligibility requirements or special circumstances, please contact your nearest Ghazanfar Bank branch.

      • Adult Individuals — Adults can open a Mudarabah Fixed Deposit Account individually in their own name.
      • Joint Account Holders — Two or more adults can open and operate a Mudarabah Fixed Deposit Account jointly.
      • Trusts & Societies — Trusts, societies and similar bodies approved by competent authorities may open an account.
      • Approved Organizations — Other organizations approved by the competent authorities in the country are eligible to open an account.
      08

      Corporate accounts — Required Documents

      To open your Mudarabah Fixed Deposit Account, please prepare the following documents. Having these ready will help speed up the account opening process. To open your Mudarabah Fixed Deposit Account, please prepare the following documents. Having these ready will help speed up the account opening process.

      All documents must be original. Photocopies will be made at the branch.

      • Address proof by taking Tazkira
      • Identification proof such as passport, voter identity card, or identity card issued by employer
      • Latest passport-size photograph
      • Duly completed and signed account opening form
      • Introduction by an existing Ghazanfar Bank account holder
      • Need the account opening form? — Download our official form and complete it before your visit
      09

      Corporate accounts — Account Limits

      Flexible fixed deposit with a competitive minimum investment requirement.

      The minimum deposit must be maintained throughout the tenure.

      • Minimum Amount — AFN 10,000 Minimum initial deposit of AFN 10,000 or USD 200. Minimum balance to maintain is AFN 10,000 or USD 200.
      • Maximum Amount — No Limit No maximum deposit limit. Invest as much as you wish in your Fixed Deposit Account.
      10

      Corporate accounts — Schedule of Charges

      Transparent pricing for all Mudarabah Fixed Deposit account services

      . All charges are subject to change with prior notice to customers.

      • Download Complete Schedule — Get the full list of charges for all banking service
      Corporate accounts — Schedule of Charges
      ServiceCharges
      Account Opening FeeFree
      Minimum Initial Deposit (AFN)AFN 10,000
      Minimum Initial Deposit (USD)USD 200
      Minimum Balance (AFN)AFN 10,000
      Minimum Balance (USD)USD 200
      Profit Tax DeductionAs per government regulations
      Your next step

      Let's get you
      ready.

      A conversation with your branch helps you confirm the information and choose your next step.

      1. 01

        Choose your account

        Talk with a branch about the account and confirm the requirements for your circumstances.

      2. 02

        Bring your documents

        Prepare your identification, address evidence and recent photograph for your visit.

      3. 03

        Complete your opening

        Complete the bank's account-opening formalities and make the applicable initial deposit.

      Good to know

      Frequently Asked Questions

      Get answers to common questions about Mudarabah Fixed Deposit accounts and our Islamic banking services.

      Who can apply?

      Adult individuals, singly or jointly with other adults, can open a Mudarabah Fixed Deposit Account.

      What do I need to get started?

      All documents must be original copies. Photocopies will be made at the branch.

      What limits apply?

      The minimum deposit must be maintained throughout the tenure.

      What should I know about charges?

      On closure of the account before three. All charges are subject to change with prior notice to customers.

      A conversation makes a difference

      Open Your Mudarabah Fixed Deposit Account Today

      Start earning Halal returns on your savings with the Mudarabah Fixed Deposit Account. Enjoy flexible tenure, part withdrawal options, and complete Shariah compliance. Apply online or visit any Ghazanfar Bank branch nationwide.

      Need assistance? Call our customer service at +93 (0) 20 220 2345 or email us at info@ghazanfarbank.af

      Product information adapted from Ghazanfar Bank's official mudarabah fixed deposit account page (opens in a new tab). Confirm current terms and availability with the bank.

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