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The Mudarabah Saving Account operates under the principle of Mudarabah, a Shariah-compliant profit-sharing arrangement. The customer acts as the investor (Rab-ul-Maal) providing capital, while the bank serves as the Manager (Mudarib) investing and managing the deposited funds. Profits are shared between the bank and customer based on a pre-agreed ratio, ensuring full compliance with Islamic Shariah principles.

No fixed profit is guaranteed before or at the time of opening an account. Profit (if any) is distributed based on the bank's declared quarterly rate, and profit amounts are transferred to customer accounts after tax deduction as per applicable government regulations.

• No fixed profit will be committed before or at the time of opening an Account
• Earned profit will be divided between bank and customer based on agreed ratio
• Profit (if any) will be on the minimum balance after Bank's quarter
• Latest announced rate for Mudarabah saving: 0.40% (For The Month of April 2025)
• Profit amount will be transferred to customer accounts after tax deduction

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

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

• Adult Individuals — Adults can open a Mudarabah Saving Account individually in their own name.
• Joint Account Holders — Two or more adults can open and operate a Mudarabah Saving 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.

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

All documents must be original. You will be issued an identity card which must be produced to the bank when taking cash payment from the account.

• 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

Flexible saving with competitive Halal profit and simple balance requirements.

The account holder will be provided a unique user ID and secured password to view the account through our internet banking facility. The customer can print account statements using this facility.

• Minimum Amount — USD 100 Minimum initial deposit of USD 100 or equivalent. Minimum balance to maintain is AFN 1,000 or USD 20.
• Maximum Amount — No Limit No maximum balance limit on your Mudarabah Saving Account.

Transparent pricing for all Mudarabah Saving account services and transactions

On closure of the account before three months, USD $10 is charged and credited to the charity Waqf fund account. Cheque books are issued only with the permission of the Branch Head; the first 25-leaf cheque book is issued free and each subsequent book is charged USD 10. Profit amount will be transferred to customer accounts after tax deduction.