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<div id="savings" class="tabcontent" style="padding:0px">
<!-- start Mudaraba Savings Account v_tabcontent -->
<!-- <h4>Mudaraba Savings Account</h4> -->
<div class="d-flex">
<div class="tab vertical_tab" style="background:url('resources/mega.png');">
<button class="tablinks" onclick="openVTab(event, 'Tilmiz')">Tilmiz</button>
<button class="tablinks" onclick="openVTab(event, 'savingsdeposit')">Savings</button>
<button class="tablinks" onclick="openVTab(event, 'Onkur')">Onkur</button>
<button class="tablinks" onclick="openVTab(event, 'Projonmo')">Projonmo</button>
<button class="tablinks" onclick="openVTab(event, 'Prapti')">Prapti</button>
<button class="tablinks" onclick="openVTab(event, 'Probin')">Probin</button>
<button class="tablinks" onclick="openVTab(event, 'Mehonoty')">Mehonoty</button>
<button class="tablinks" onclick="openVTab(event, 'SND')">SND</button>
<button class="tablinks" onclick="openVTab(event, 'Smart')">Smart Account</button>
</div>
<div id="Tilmiz" class="v_tabcontent">
<p class="special_spacing">First Security Islami Bank PLC is the first Bank to introduce specialized banking facility exclusively for Madrasa students with an aim to facilitate them with modern banking services. </p>
<h6>Key Features:</h6>
<ul>
<li>Minimum Initial deposit amount is only BDT 100/- only.</li>
<li>Free Cheque Book (1st book only).</li>
<li>4.5 % Provisional Profit on deposit.</li>
<li>No Account Maintenance Fees.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st Year. </a></li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li>Online banking.</li>
<li>SMS Banking on every transactions.</li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li>Two copies passport size photograph of the Student. </li>
<li>Two copies passport size photograph of parent.</li>
<li>Photocopy of Birth certificate/National ID (Student).</li>
<li>Photocopy of Parent’s National ID/Passport.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopy of Madrasa ID or Certificate from Madrasa or Payment slip of latest tuition fees.</li>
<li>Copy of recent utility bill (Gas, Electricity, Wasa, Telephone) as a proof of mailing address.</li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Any Bangladeshi Madrasa going student aged from 6 years to above.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="savingsdeposit" class="v_tabcontent">
<p class="special_spacing">FSIB Savings Account provides you for more saving with attractive profit rate.</p>
<h6>Key Features:</h6>
<ul>
<li>Any adult having sound mind can open this account in his/her name singly or jointly with others.</li>
<li>Account opening balance is TK. 500 only, which is treated as minimum balance of the account.</li>
<li>Attractive profit rate..</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li>Online banking.</li>
<li>SMS Banking on every transactions.</li>
<li><a href="fsib_card.php">FSIB VISA debit card.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Onkur" class="v_tabcontent">
<p class="special_spacing">Introduce the child into the world of banking!</p>
<h6>Key Features:</h6>
<ul>
<li>Free Cheque Book (1st book only).</li>
<li>Highest provisional profit on deposit.</li>
<li>No account maintenance fees.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st Year, 50% Waiver from 2nd Year.</a></li>
<li>Online banking facilities.</li>
<li>No minimum balance.</li>
<li>Minimum Initial deposit amount is only BDT 100/- only.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Any Bangladeshi school (Class one to Ten) going student.</li>
<li>Student cannot open the account with anyone other than his/her parents.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Projonmo" class="v_tabcontent">
<p class="special_spacing">Familiarize the new generation by practicing the habit of saving.</p>
<h6>Key Features:</h6>
<ul>
<li>Free Cheque Book (1st book only).</li>
<li>Any Amount above 100 taka can be Deposited & Withdrawn.</li>
<li>Highest Profit rate on deposit.</li>
<li>No account maintenance fees.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st Year, 50% Waiver from 2nd Year.</a></li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li>Minimum Initial deposit amount is only BDT 200/- only.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Any Bangladeshi College/University going student.</li>
<li>Student can open the account with anyone other than his/her parents if she/he is over 18.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Prapti" class="v_tabcontent">
<p class="special_spacing">FSIB Mudarabah Salary Saving Account (Prapti) is for those whose monthly salary is BDT 5000 or above. It’s an account styled to provide you the best profit rate at a low balance requirement—making it the classic choice for you.</p>
<h6>Key Features:</h6>
<ul>
<li>Individual account for office employees to help disbursement of monthly salary.</li>
<li>For Corporate Executives & Officers.</li>
<li>No Maintenance Charge.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st year.</a></li>
<li>Free Cheque Book (1st Book only).</li>
<li>Attractive profit rate.</li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>The organization needs to have a minimum of 10 employees and a payout of TK 100,000/- (One Lac Taka) only per month and an average salary per employee of TK 10,000/- per month.</li>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Probin" class="v_tabcontent">
<p class="special_spacing">Considering the contribution of Senior Citizen in high esteem, FSIB offers a unique moderate saving account for their convenience.</p>
<h6>Key Features:</h6>
<ul>
<li>A savings account for senior citizen aged 60 years or above.</li>
<li>Initial Deposit Tk. 5,000/-.</li>
<li>Highest Profit rate on deposit.</li>
<li><a href="fsib_card.php">Free VISA Debit Card *</a></li>
<li>Free Cheque Book. *</li>
<li>Attractive profit rate.</li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="locker.php">20% Discount on Locker Services (applicable for branches having locker facility).</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 60 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Mehonoty" class="v_tabcontent">
<p class="special_spacing">Specialized account for people with lower income bracket of the country.</p>
<h6>Key Features:</h6>
<ul>
<li>No Maintenance Charge.</li>
<li>Free Cheque Book (1st Book only).</li>
<li>Attractive profit rate.</li>
<li>Online banking facilities.</li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li>Minimum balance for opening account is TK 100/-.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="SND" class="v_tabcontent">
<p class="special_spacing">A Specialized account that gives you more transactions limit than regular.</p>
<h6>Key Features:</h6>
<ul>
<li>Any adult having sound mind can open this account in his/her name singly or jointly with others.</li>
<li>Any proprietorship/partnership firm, limited company (private/public), educational institution, club, association, socio-economic organization can also open this account.</li>
<li>Account opening balance is TK. 5,000 only, which is treated as minimum balance of the account.</li>
<li>Attractive profit rate.</li>
<li><a href="fsib_card.php">FSIB VISA debit card.</a></li>
<li>Online banking facilities.</li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="cloud.php/">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Smart" class="v_tabcontent">
<p class="special_spacing">Mudarabah “FSIB Smart Account” for those who are interested to get unlimited transaction facility and high profit rate like as Mudarabah Term Deposit Account in one account. It’s a unique savings account and provide the best profit rate at slab wise.</p>
<h6>Key Features:</h6>
<ul>
<li>Individual account for all valued client.</li>
<li>Profit calculated on daily basis and pay to account in month end.</li>
<li>Free ATM Card for 1st year.</li>
<li>Special facility withdrawal in others Bank ATM Booth.</li>
<li>Free 25 leaf’s Cheque Book (1st Book only).</li>
<li>Maximum 6% Provisional Profit rate.</li>
<li>FSIB Cloud apps and many more…</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
</div>
</div>
<div id="term" class="tabcontent" style="padding:0px">
<!-- start Mudaraba Term Account v_tabcontent -->
<div class="d-flex">
<div class="tab vertical_tab" style="background:url('resources/mega.png');">
<button class="tablinks active" onclick="openVTab(event, 'mtd')">Mudarabah Term Deposit</button>
<button class="tablinks" onclick="openVTab(event, 'mmps')">Mudarabah Monthly Profit Scheme</button>
<button class="tablinks" onclick="openVTab(event, 'murobbi')">FSIB Murobbi</button>
<button class="tablinks" onclick="openVTab(event, 'mahiyasi')">Mahiyasi</button>
<button class="tablinks" onclick="openVTab(event, 'sanchay')">FSIB Sanchay</button>
<!--<button class="tablinks" onclick="openVTab(event, 'double_benefit')">Mudarabah Deposit Double Scheme (MDDS)</button>-->
<!-- <button class="tablinks" onclick="openVTab(event, 'proyash')">Proyash</button> -->
<!--<button class="tablinks" onclick="openVTab(event, 'samania')">Samania</button>-->
<!-- <button class="tablinks" onclick="openVTab(event, 'utshob')">Utshob</button>-->
<button class="tablinks" onclick="openVTab(event, 'utshob24')">Utshob- 24</button>
<!--<button class="tablinks" onclick="openVTab(event, 'msds')">Mudarabah Smart Deposit <br> Double Scheme</button>-->
<button class="tablinks" onclick="openVTab(event, 'century')">Mudarabah Term Deposit Account <br> “Century"</button>
<button class="tablinks" onclick="openVTab(event, 'double_century')">Mudarabah Term Deposit Account <br> “Double Century"</button>
</div>
<div id="mtd" class="v_tabcontent">
<p class="special_spacing">Mudarabah Term Deposit</p>
<h6>Key Features:</h6>
<ul>
<li>Any adult having sound mind can open this account in his/her name singly or jointly with others.</li>
<li>Any proprietorship/partnership firm, limited company (private/public), educational institution, club, association, socio-economic organization can also open this account.</li>
<li>Minimum balance is TK. 10,000 only.</li>
</ul>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th>Sl</th>
<th>Nature</th>
<th>Period (s)</th>
<th>Profit Rate (Provisional)</th>
</tr>
</thead>
<tbody>
<tr>
<td>01</td>
<td>MTDR</td>
<td>1 Month</td>
<td>6.50%</td>
</tr>
<tr>
<td>02</td>
<td>MTDR</td>
<td>3 Month</td>
<td>8.00%</td>
</tr>
<tr>
<td>03</td>
<td>MTDR</td>
<td>6 Month</td>
<td>8.25%</td>
</tr>
<tr>
<td>04</td>
<td>MTDR</td>
<td>12 Month</td>
<td>9.50%</td>
</tr>
</tbody>
</table>
</div>
<h6>Note:</h6>
<ul>
<li>Profit amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="mmps" class="v_tabcontent">
<p class="special_spacing">Don’t wait long for getting your profit. By depositing in MMPS, get your profit on monthly basis.</p>
<h6>Key Features:</h6>
<ul>
<li>One time Deposit start from 25,000/- or it’s multiple.</li>
<li>Tenure: 1, 2 & 3 Years.</li>
<li>Profit paid on monthly basis.</li>
<li>Applicant have to maintain savings account and profit will be transferred automatically to savings account in monthly.</li>
<li>Attractive profit rate.</li>
<li>Scheme will not be auto renewal. Applicant have to apply for new after the maturity.</li>
<li>In case of early encashment, Profit calculation will be as below; <br><b> – Closed Before One Year – No profit will be provided.</b></li>
</ul>
<ul>
<li><b>For 1 year Tenure:</b>
<ul class="c">
<li>Approximately TK. 600/- profit per month against TK. 1,00,000/- deposit.</li>
<li>Tenure: 1 year.</li>
</ul>
</li>
<li><b>For 2 years Tenure:</b>
<ul class="c">
<li>Approximately TK. 610/- profit per month against TK. 1,00,000/- deposit.</li>
<li>Tenure: 2 years.</li>
</ul>
</li>
<li><b>For 3 years Tenure:</b>
<ul class="c">
<li>Approximately TK. 620/- profit per month against TK. 1,00,000/- deposit.</li>
<li>Tenure: 3 years.</li>
</ul>
</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="murobbi" class="v_tabcontent">
<p class="special_spacing">FSIB Murobbi</p>
<h6>Key Features:</h6>
<ul>
<li>One time Deposit start from 25,000/- or it’s multiple.</li>
<li>Tenure: 1 year.</li>
<li>Profit paid on monthly basis.</li>
<li>Applicant have to maintain savings account and profit will be transferred automatically to savings account in monthly.</li>
<li>Attractive profit rate.</li>
<li>Scheme will not be auto renewal. Applicant have to apply for new after the maturity.</li>
<li>Approximately TK. 630/- profit per month against TK. 1,00,000/- deposit</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>– Closed Before One Year – No profit will be provided.</li>
</ul>
</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 60 years & above.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="mahiyasi" class="v_tabcontent">
<p class="special_spacing">FSIB Mahiyasi</p>
<h6>Key Features:</h6>
<ul>
<li>One time Deposit start from 25,000/- or it’s multiple.</li>
<li>Tenure: 1 year.</li>
<li>Profit paid on monthly basis.</li>
<li>Applicant have to maintain savings account and profit will be transferred automatically to savings account in monthly.</li>
<li>Attractive profit rate.</li>
<li>Scheme will not be auto renewal. Applicant have to apply for new after the maturity.</li>
<li>Approximately TK. 630/- profit per month against TK. 1,00,000/- deposit
<ul>
<li>– In case of early encashment, Profit calculation will be as below;</li>
</ul>
</li>
</ul>
<h6 class="mt-3">Facilities:</h6>
<ol>
<li>Get 1000 Tk Security Deposit Discount for availing Locker facilities (upon branch locker facility availability).</li>
<li>Get FSIB Wallet for availing FSIB Cloud (upon stock availability).</li>
</ol>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Any female with Minimum Age is 18 year.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="sanchay" class="v_tabcontent">
<p class="special_spacing">FSIB Sanchay</p>
<h6>Key Features:</h6>
<ul>
<li>One time Deposit start from 25,000/- or it’s multiple.</li>
<li>Tenure: 3 years.</li>
<li>Profit paid on quarterly basis.</li>
<li>Applicant have to maintain savings account and profit will be transferred automatically to savings account in quarterly.</li>
<li>Attractive profit rate.</li>
<li>Scheme will not be auto renewal. Applicant have to apply for new after the maturity.</li>
<li>Approximately TK. 1875/- profit per quarter against TK. 1,00,000/- deposit</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>– Closed Before One Year – No profit will be provided.</li>
<li>– Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="double_benefit" class="v_tabcontent">
<p class="special_spacing">Will not be happy to get double? FSIB allows your deposit to be doubled within shortest possible time.</p>
<h6>Key Features:</h6>
<ul>
<li>Deposit will be doubled approximately in 10 Years.</li>
<li>Minimum Deposit only TK. 10,000/-</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="proyash" class="v_tabcontent">
<p class="special_spacing">Use money as a plant that gives you profit as it grows.</p>
<h6>Key Features:</h6>
<ul>
<li>One time Deposit from TK. 50,000/- to TK.25,00,000/-</li>
<li>Maturity at 3, 5, 8 & 10 Years.</li>
<li>Fixed deposit size are 50,000/-, 1,00,000/-, 2,00,000/-, 3,00,000/-, 4,00,000/-, 5,00,000/-, 6,00,000/-, 8,00,000/-, 10,00,000/-, 12,00,000/-, 15,00,000/-, 20,00,000/-, 25,00,000/-.</li>
<li>Profit paid on monthly basis.</li>
<li>Applicant has to maintain savings account and profit will be transferred automatically to savings account in monthly.</li>
<li>Attractive profit rate.</li>
<li>In case of early encashment, profit calculation will be as below;
<ul>
<li>– Closed before one year – no profit will be provided.</li>
<li>– Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<!-- <div id="samania" class="v_tabcontent">
<p class="special_spacing">Mudarabah Deposit Double Scheme “Smania is an attractive deposit account for those who are interested their deposit double within only 8 years.</p>
<h6>Key Features:</h6>
<ul>
<li>Deposit will be double approximately in 8 Years</li>
<li>Minimum Deposit only TK. 50,000/- or it`s multiple.</li>
<li>Profit paid on quarterly basis.Profit Rate: 9.30% (approx.).</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity Amount are here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>-->
<div id="utshob" class="v_tabcontent">
<p class="special_spacing">Utshob</p>
<h6>Key Features:</h6>
<ul>
<li>Individual can operate this account.</li>
<li>One time Deposit start from 50,000/- or it’s multiple.</li>
<li>Tenure: 1, 2 & 3 Years.</li>
<li>Profit paid on monthly basis.</li>
<li>Applicant have to maintain savings account and profit will be transferred automatically to savings account in monthly.</li>
<li>Attractive profit rate.</li>
<li>Scheme will not be auto renewal. Applicant have to apply for renewal before the maturity.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>– Closed Before One Month – Only principal amount will be paid.</li>
<li>– Closed After one Month but before one year – Profit will be provided at Mudarabah Savings Rate.</li>
<li>– Closed after one year but before two years account holder will received 1 % additional with Mudarabah Savings Rate.</li>
<li>– Closed after two years but before maturity account holder will received 2 % additional with Mudarabah Savings Rate.</li>
</ul>
</li>
</ul>
<h6 class="mt-3">Profit:</h6>
<ul>
<li>For 1 year Tenure: Approximately TK. 710/- profit per month against TK. 1,00,000/- deposit.</li>
<li>For 2 years Tenure: Approximately TK. 730/- profit per month against TK. 1,00,000/- deposit.</li>
<li>For 3 years Tenure: Approximately TK. 760/- profit per month against TK. 1,00,000/- deposit.</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity Amount are here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="utshob24" class="v_tabcontent">
<p class="special_spacing">Mudarabah Special Gift Monthly Profit Scheme “Utshob- 24”</p>
<h6>Key Features:</h6>
<ul>
<li>Individual can operate this account.</li>
<li>One time deposit start from 50,000/- or it’s multiple.</li>
<li>Tenure 6 months, 1 year and 2 Years.</li>
<li>Profit paid on monthly basis.</li>
<li>Approximately 1,024/- (before tax) per month against Tk. 1,00,000/- deposit.</li>
<li>Applicant have to maintain savings account and profit will be transferred automatically to savings account in monthly.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>– Closed Before One Year – Only principal amount will be paid.</li>
<li>– Closed after one year but before maturity account holder will received Mudarabah Savings Rate.</li>
</ul>
</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity Amount are here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="msds" class="v_tabcontent">
<p class="special_spacing">Mudarabah Smart Deposit Double Scheme</p>
<h6>Key Features:</h6>
<ul>
<li>Individual can operate this account.</li>
<li>Deposit will be double approximately in 5 Years 6 Months.</li>
<li>Minimum Deposit only TK. 1,00,000/- or it`s multiple.</li>
<li>Attractive Profit Rate.</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity Amount are here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="double_century" class="v_tabcontent">
<p class="special_spacing">Mudarabah Term Deposit Account “Double Century” is an attractive Scheme account which is open individual & organizations.</p>
<h6>Key Features:</h6>
<ul>
<li>Tenure: 200 days.</li>
<li>Minimum Deposit only TK. 5,000/-.</li>
<li>Profit Rate: 11.00% (approx.)</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity Amount are here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<p>*Condition(s) apply.</p>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="century" class="v_tabcontent">
<p class="special_spacing">Mudarabah Term Deposit Account “FSIB Century” is an attractive Term deposit account which is open individual & organizations.
</p>
<h6>Key Features:</h6>
<ul>
<li>Tenure: 100 days.</li>
<li>Minimum Deposit only TK. 5,000/-.</li>
<li>Profit Rate: 10.00% (approx.)</li>
</ul>
<h6 class="mt-3">Note:</h6>
<ul>
<li>Maturity Amount are here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<p>*Condition(s) apply.</p>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
</div>
</div>
<div id="scheme" class="tabcontent" style="padding:0">
<!-- start Mudaraba scheme Account v_tabcontent -->
<div class="d-flex">
<div class="tab vertical_tab" style="background:url('resources/mega.png');">
<button class="tablinks active" onclick="openVTab(event, 'Muhor')">Muhor</button>
<button class="tablinks" onclick="openVTab(event, 'Niramoy')">Niramoy</button>
<!--<button class="tablinks" onclick="openVTab(event, 'Agroshor')">Agroshor</button>-->
<button class="tablinks" onclick="openVTab(event, 'Durbar')">Durbar</button>
<button class="tablinks" onclick="openVTab(event, 'Ehsan')">Ehsan</button>
<button class="tablinks" onclick="openVTab(event, 'Bondhon')">Bondhon</button>
<button class="tablinks" onclick="openVTab(event, 'Ghoroni')">Ghoroni</button>
<button class="tablinks" onclick="openVTab(event, 'Haj')">Haj</button>
<!--<button class="tablinks" onclick="openVTab(event, 'Musafir')">Musafir</button>-->
<button class="tablinks" onclick="openVTab(event, 'SanchayeShukh')">Sanchaye Shukh</button>
<button class="tablinks" onclick="openVTab(event, 'Merchant')">Merchant</button>
<button class="tablinks" onclick="openVTab(event, 'Care')">FSIB Care</button>
<button class="tablinks" onclick="openVTab(event, 'waqf')">Cash Waqf</button>
</div>
<div id="Muhor" class="v_tabcontent">
<p class="special_spacing">As per Islamic Shariah, a Muhor is the bride wealth obligation, in the form of money, possessions or teaching of verses from the Quran by the groom. It is Fard (Mandatory) for a husband to Pay Muhrana to his wife. FSIB introduces “Mudarabah Muhor Deposit Scheme” for creating opportunities to establish this Fard. Any religious person, married or unmarried, may open this account in the name of his wife or himself respectively with a view to paying Muhrana on a monthly installment basis.</p>
<h6>Key Features:</h6>
<ul>
<li>Monthly Installment from TK. 1,000/- to TK. 1,00,000/-</li>
<li>Tenure: 3, 5, 8 & 10 Years.</li>
<li>Mudarabah Muhor Deposit Scheme gives attractive provisional profit rate.<strong></strong></li>
<li>Freedom of choosing any tenure & any installment. </li>
<li>Installment/Tenure will remain fixed after choosing the tenure or the installment. Once chosen the installment/tenure can’t be rectified further.</li>
<li>Standing instruction from savings or other demand deposit account against payment of installment is free of cost.</li>
<li>Facility to deposit the installment at any branch/sub branch throughout the month.</li>
<li>Facility for depositing the installment in advance but late fee will be applicable for due installment (up to Tk. 5,000: Tk.10, from Tk.10,000/- up to Tk.20,000: Tk.25 and more than Tk. 20,000: Tk. 40).</li>
<li>If any customer fails to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Installment deposit facility for any working day of month.</li>
<li>In case of early encashment, profit will be calculated as per pre-matured encashment system. </li>
</ul>
<p>Note</p>
<ul>
<li>Maturity value is subject to proper and regular payment of the prescribed monthly installments.</li>
<li>Maturity Amount showed here is subject to income tax and/or other levies.</li>
</ul>
<p>Eligibility:</p>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="waqf" class="v_tabcontent">
<p class="special_spacing">“Mudarabah Cash Waqf” creates a unique opportunity for mass people to donate in different religious, educational and social services.</p>
<h6>Key Features:</h6>
<ul>
<li>The deposited amount is a perpetual endowment.</li>
<li>Profit of this account is utilized for social and human welfare as per instruction of the account holders.</li>
<li>It can be open in two ways, at a time & Installment basis.</li>
<li>In case of installment basis, minimum deposit will be Tk. 1,000/- and the subsequent deposit by installment(s) in multiple of thousand taka.</li>
<li>After full payment of the declared amount, the bank will issue a Cash Waqf Certificate in the name of waqif from Bank end.</li>
<!--
<ul>
<li>- Closed before one year – no profit will be provided.</li>
<li>- Closed after one year but before maturity- profit at savings rate.</li>
</ul>-->
</ul>
<!--
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ol>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Only female can apply.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>Documents needed for availing the service:</h6>-->
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Care" class="v_tabcontent">
<p class="special_spacing">Mudarabah Monthly Deposit Scheme “FSIB Care” gives More attractive provisional profit rate than others.</p>
<h6>Key Features:</h6>
<ul>
<li>Monthly Installment from TK. 2,000/- to TK. 1,00,000/-</li>
<li>Tenure: 18 & 36 Months.</li>
<li>Freedom of choosing any tenure & any installment. </li>
<li>Installment fixed by choosing the tenure or the installment. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Installment deposited facility by others savings account standing instruction in free of cost.</li>
<li>Deposit the installment at any branch/sub branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 20,000, the penalty is 25 tk and more BDT 20,000, penalty is 50 Tk.).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Installment deposited facility for any working day in month.</li>
<li>Investment facility against the deposited amount.</li>
<li>In case of early encashment, Profit calculation will be as below</li>
</ul>
<ul>
<li>- Closed Before 06 (Six) Months – Only principal amount will be paid.</li>
<li>- Closed After 06 (Six) Months but before contract of maturity - Profit will be applied at Mudarabah Savings Rate.
</li>
</ul>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th style="text-align: center;">Sl. no</th>
<th style="text-align: center;"> Installment</th>
<th style="text-align: center;">Maturity Amount (18 Months)</th>
<th style="text-align: center;">Maturity Amount (36 Months)</th>
</tr>
</thead>
<tbody>
<tr>
<td>
1 </td>
<td width="172"> 2,000</td>
<td width="120"> 39,654</td>
<td>
87,411 </td>
</tr>
<tr>
<td>
2</td>
<td width="172"> 3,000</td>
<td width="120"> 59,481</td>
<td>
1,31,117 </td>
</tr>
<tr>
<td>3</td>
<td> 4,000</td>
<td width="120"> 79,308</td>
<td>
1,74,823</td>
</tr>
<tr>
<td>4</td>
<td> 5,000</td>
<td width="120"> 99,135</td>
<td>
2,18,528</td>
</tr>
<tr>
<td>5</td>
<td> 6,000</td>
<td width="120">1,18,962</td>
<td>
2,62,234</td>
</tr>
<tr>
<td>6</td>
<td> 7,000</td>
<td width="120">1,38,789</td>
<td>
3,05,940</td>
</tr>
<tr>
<td>7</td>
<td width="172"> 8,000</td>
<td width="120">1,58,616</td>
<td>
3,49,645</td>
</tr>
<tr>
<td>8</td>
<td> 9,000</td>
<td width="120">1,78,443</td>
<td>
3,93,351</td>
</tr>
<tr>
<td> 9</td>
<td>10,000</td>
<td>1,98,270</td>
<td>4,37,057</td>
</tr>
<tr>
<td>10</td>
<td>15,000</td>
<td>2,97,404</td>
<td>6,55,585</td>
</tr>
<tr>
<td>11</td>
<td>20,000</td>
<td>3,96,539</td>
<td>8,74,114</td>
</tr>
<tr>
<td>12</td>
<td>25,000</td>
<td>4,95,674</td>
<td>10,92,642</td>
</tr>
<tr>
<td>13</td>
<td>50,000</td>
<td>9,91,348</td>
<td>21,85,284</td>
</tr>
<tr>
<td>14</td>
<td>1,00,000</td>
<td>19,82,695</td>
<td>43,70,568</td>
</tr>
</tbody>
</table>
</div>
<h6>Note:</h6>
<ul>
<li>Maturity value is subject to proper and regular payment of the prescribed monthly installments.</li>
<li>Maturity Amount showed here is subject to income tax and/or other levies.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID/Passport of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ul>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Merchant" class="v_tabcontent">
<p class="special_spacing">This is an attractive monthly deposit scheme for different organizations.</p>
<h6>Key Features:</h6>
<ul>
<li>Tenure 3, 5, 8 & 10 years.</li>
<li>Monthly Installment from TK. 5000/-, 10,000/-, 15,000/-, 20,000/-, 25,000/- & 50,000/-.</li>
<li>Attractive Provisional profit rate.</li>
<li>Installment fixed at opening the account. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Account can be operated by only organization.</li>
<li>Deposited the installment at any branch/sub branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>In case of early encashment, Profit calculation will be as below;</li>
</ul>
- Closed Before One Year – Only principal amount will be paid.
- Closed After one Year but before minimum tenure- Profit at Mudarabah Savings Rate.
- Closed After minimum tenure but before contract of maturity full Profit applied for minimum maturity period.
<div style="margin-top: 10px; font-weight: bold;">For Niramoy, Bondhon, Durbar, Ghoroni, Merchant</div>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th>Years / Monthly Installment</th>
<th>3 Years</th>
<th>5 Years</th>
<th>8 Years</th>
<th>10 Years</th>
<th>12 Years</th>
<th>15 Years</th>
<th colspan="2">20 Years</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>500</strong></td>
<td>20,919</td>
<td>38,985</td>
<td>74,703</td>
<td>1,04,745</td>
<td>1,41,307</td>
<td>2,11,414</td>
<td colspan="2">3,84,435</td>
</tr>
<tr>
<td><strong>1000</strong></td>
<td>41,839</td>
<td>77,969</td>
<td>1,49,406</td>
<td>2,09,490</td>
<td>2,82,614</td>
<td>4,22,827</td>
<td colspan="2">7,68,871</td>
</tr>
<tr>
<td><strong>2000</strong></td>
<td>83,678</td>
<td>1,55,939</td>
<td>2,98,812</td>
<td>4,18,980</td>
<td>5,65,228</td>
<td>8,45,654</td>
<td colspan="2">15,37,742</td>
</tr>
<tr>
<td><strong>2500</strong></td>
<td>1,04,597</td>
<td>1,94,923</td>
<td>3,73,515</td>
<td>5,23,725</td>
<td>7,06,535</td>
<td>10,57,068</td>
<td colspan="2">19,22,177</td>
</tr>
<tr>
<td><strong>5000</strong></td>
<td>2,09,194</td>
<td>3,89,847</td>
<td>7,47,030</td>
<td>10,47,451</td>
<td>14,13,069</td>
<td>21,14,136</td>
<td colspan="2">38,44,355</td>
</tr>
<tr>
<td><strong>10000</strong></td>
<td>4,18,388</td>
<td>7,79,694</td>
<td>14,94,061</td>
<td>20,94,901</td>
<td>28,26,139</td>
<td>42,28,271</td>
<td colspan="2">76.88.709</td>
</tr>
<tr>
<td><strong>15000</strong></td>
<td>6.27.581</td>
<td>11,69,541</td>
<td>22,41,091</td>
<td>31,42,352</td>
<td>42,39,208</td>
<td>63,42,407</td>
<td colspan="2">1,15,33,064</td>
</tr>
<tr>
<td><strong>20000</strong></td>
<td>8,36,775</td>
<td>15,59,387</td>
<td>29,88,122</td>
<td>41,89,803</td>
<td>56,52,278</td>
<td>84,56,543</td>
<td colspan="2">1,53,77,419</td>
</tr>
<tr>
<td><strong>25000</strong></td>
<td>10,45,969</td>
<td>19,49,234</td>
<td>37,35,152</td>
<td>52,37,254</td>
<td>70,65,347</td>
<td>1,05,70,678</td>
<td colspan="2">1,92,21,773</td>
</tr>
</tbody>
</table>
</div>
<strong>Documents needed for availing the service:</strong>
<strong>Documents needed for Proprietorship </strong>
<ol>
<li>One copy passport size photograph of the signatory.</li>
<li>Photocopies of National ID/Passport of signatory.</li>
<li>Up-to date Trade License, E.RC., I.R.C, TIN & VAT of the Firm (If applicable).</li>
<li>Seal of the Firm & Visiting Card of the signatory(s) (If applicable).</li>
<li>Membership Certificate of Trade Association, Chamber of Commerce and industry (If applicable).</li>
<li>Tenancy Agreement copy (If applicable).</li>
</ol>
<h6>Documents needed for Partnership & Joint Venture:</h6>
<ol>
<li>Registered Partnership/Joint Venture Deed on non-judicial stamp of Tk. 2000/- & List of the Partners with Portfolio.</li>
<li>Registered Partnership/Joint Venture Agreement (Notarized/Registered on Tk. 300/-).</li>
</ol>
Up-to date Trade License, E.RC., I.R.C, TIN & VAT of the Firm (If applicable).
<ol start="3">
<li>Resolution regarding operation of Bank account and signing of Bank`s charge document(s) with execution of Mortgage Deeds and other Bank`s papers and documents etc. as per Partnership Deed.</li>
<li>Seal as per Resolution & Visiting & Card of the Signatory(s).</li>
<li>Membership Certificate of Trade Association, Chamber of Commerce and industry (If applicable).</li>
<li>Tenancy Agreement copy in between the Firm and the Landlord (If applicable).</li>
</ol>
<h6>Documents needed for Limited Company:</h6>
<ol>
<li>Certificate of incorporation.</li>
<li>The certified copy of Memorandum and Articles of Association by Registrar of Join Stock Companies & Firms.</li>
<li>Up-to date Trade License, E.RC., I.R.C, TIN & VAT of the Firm (If applicable).</li>
<li>Board of Resolution regarding opening & operation of Bank Account and signing of Bank`s charge documents with execution of Mortgage Deeds and other Bank`s papers and documents etc. as per Memorandum and Articles of Association.</li>
<li>Seal as per Resolution.</li>
<li>Complete Bio-Data with passport size photographs of all the directors of the company duly singed by them.</li>
<li>Certified Copy of Form No. XII & XX duly issued by the Registrar of Joint Stock Company duly singed by them.</li>
<li>Updated E.RC., I.R.C, TIN & VAT of the Firm (If applicable).</li>
<li>Membership Certificate of Chamber of Commerce, Trade Association, Stock Exchanges (If applicable).</li>
<li>Tenancy Agreement copy in between the Firm and the Landlord (If applicable).</li>
<li>List of the Directors with Complete present and permanent address with signature & telephone no`s, on Letter Head Pad of the Company.</li>
<li>Certificate of Commencement of Business in cases of Public Ltd. Company.</li>
</ol>
<h6>Documents needed for School/College/Educational Institution.</h6>
<ol>
<li>List of members of the Managing committee.</li>
<li>Resolution of the Managing Committee regarding opening & operation of Bank Account with First Security Islami Bank PLC.</li>
</ol>
<strong>Documents needed for Club/Association/Society/Religious Institution.</strong><strong> </strong>
<ol>
<li>List of members of the Executive/Managing Committee/Office bearers (with address).</li>
<li>Resolution of the Executive/Managing Committee regarding opening & operation of Bank account.</li>
<li>Certified copy of Bye-Laws/Rules and Regulations/Constitutions.</li></ol>
<h6>Documents needed for Trustee.</h6>
<ol>
<li>Attested copy of Trust Deed.</li>
<li>Resolution of the Committee regarding opening & operation of Bank account. Head Office approval for opening Trust Account.</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="SanchayeShukh" class="v_tabcontent">
<p class="special_spacing">By opening Mudarabah Pension Scheme “Sanchaye Shukh” an account holder will get monthly pension as social safety.</p>
<h6>Key Features:</h6>
<ul>
<li>Tenures from 3, 5 & 7 years.</li>
<li>Monthly Installment from TK. 3000/-, 5,000/-, 10,000/-, 20,000/-, 30,000/-, 40,0000/- & 50,000/-.</li>
<li>Highest profit rate for short term tenure.</li>
<li>The account holder will receive monthly pension in installments along with principal gains.</li>
<li>Customer must be maintain a Mudarabah Savings Account for pay monthly installment and receive monthly pension.</li>
<li>Installment fixed at opening the account. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Account can be operated by singly.</li>
<li>Deposit the installment at any branch/sub branches through the month around the country.</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Tk. 5/- will be pay penalty amount per thousand afield due installment and penalty amount double in due tow installment.</li>
<li>In case of early encashment, Profit calculation will be as below;</li>
</ul>
- Closed Before One Year – Only principal amount will be paid.
- Closed After one Year but before Two years Profit will be provided at Savings Rate.
- Closed after two years but before maturity account holder will be received provisional profit rate of one year MTDR.
<table class="table">
<thead>
<tr>
<th width="77" style="text-align: center;">lnstallment</th>
<th style="text-align: center;">Monthly Payable for the next 3 years upon maturity of 3 years tenure (with TIN)</th>
<th style="text-align: center;">Monthly Payable for the next 3 years upon maturity of 3 years tenure (without TIN)</th>
<th width="175" style="text-align: center;">Monthly Payable for the next 5 years upon maturity of 5 years tenure (with TIN)</th>
<th width="173" style="text-align: center;">Monthly Payable for the next 5 years upon maturity of 5 years tenure (without TIN)</th>
<th width="146" style="text-align: center;">Monthly Payable for the next 7 years upon maturity of 7 years tenure (with TIN)</th>
<th width="174" style="text-align: center;">Monthly Payable for the next 7 years upon maturity of 7 years tenure (without TIN)</th>
</tr>
</thead>
<tbody>
<tr>
<td>
<div align="center">3000</div></td>
<td width="163">3895</td>
<td width="163">3840</td>
<td>4735</td>
<td>4615</td>
<td>5860</td>
<td>5650</td>
</tr>
<tr>
<td>
<div align="center">5000</div></td>
<td width="163">6490</td>
<td width="163">6395</td>
<td>7900</td>
<td>7705</td>
<td>9765</td>
<td>9415</td>
</tr>
<tr>
<td>
<div align="center">10000</div></td>
<td>12990</td>
<td width="163">12805</td>
<td>15795</td>
<td>15405</td>
<td>19430</td>
<td>18730</td>
</tr>
<tr>
<td>
<div align="center">20000</div></td>
<td>25970</td>
<td width="163">25600</td>
<td>31420</td>
<td>30640</td>
<td>38805</td>
<td>37405</td>
</tr>
<tr>
<td>
<div align="center">30000</div></td>
<td>38840</td>
<td width="163">38285</td>
<td>47130</td>
<td>45960</td>
<td>58350</td>
<td>56250</td>
</tr>
<tr>
<td>
<div align="center">40000</div></td>
<td>51690</td>
<td width="163">50945</td>
<td>62905</td>
<td>61345</td>
<td>77905</td>
<td>75105</td>
</tr>
<tr>
<td>
<div align="center">50000</div></td>
<td width="163">64710</td>
<td width="163">63785</td>
<td>78760</td>
<td>76810</td>
<td>97510</td>
<td>94010</td>
</tr>
</tbody>
</table>
<h6>Note:</h6>
<ol>
<li>Maturity value is subject to proper and regular payment of the prescribed monthly installments.</li>
<li>Maturity Amount showed here is subject to income tax and/or other levies.</li>
</ol>
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID/Passport of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ol>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Musafir" class="v_tabcontent">
<p class="special_spacing">“Traveling-Unlimited”</p>
<h6>Key Features:</h6>
<ul>
<li>Tenure: 1, 2, 3, 4 & 5 Years.</li>
<li>Monthly Installment from TK. 500/- to TK.1,00,000/-.</li>
<li>Attractive profit rate for short term tenure.</li>
<li>Installment fixed at opening the account. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Account can be operated by single or jointly.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Maturity amount may be transferred to Visa Debit Card (In that case applicant have to maintain saving account with FSIB).</li>
<li>The full amount of maturity amount may be endorsed for passport by following the govt. rules & regulation (Condition apply).</li>
<li>On demand of the customer there will be facilities of discount for purchasing air ticket & hotel reservation (Condition apply).</li>
<li>In case of early encashment; closed before maturity but after completion of any tenure, depositors will be entitled to receive full benefit for the completed tenure at the provisional rate of profit prescribed there against. For remaining period no profit will be paid. In that case the account holder have to pay Closing charge as per bank rules & regulations.</li>
</ul>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th style="text-align: center;">Years / Monthly Installment</th>
<th style="text-align: center;">1 Year</th>
<th style="text-align: center;">2 Years</th>
<th style="text-align: center;">3 Years</th>
<th style="text-align: center;">4 Years</th>
<th style="text-align: center;">5 Years</th>
</tr>
<tr>
<td>
<div align="center"><strong>500</strong></div></td>
<td>
<div align="center">6,325</div></td>
<td>
<div align="center">13,279</div></td>
<td>
<div align="center">20,919</div></td>
<td>
<div align="center">29,595</div></td>
<td>
<div align="center">38,985</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>1000</strong></div></td>
<td>
<div align="center">12,650</div></td>
<td>
<div align="center">26,559</div></td>
<td>
<div align="center">41,839</div></td>
<td>
<div align="center">59,189</div></td>
<td>
<div align="center">77,969</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>1500</strong></div></td>
<td>
<div align="center">18,975</div></td>
<td>
<div align="center">39,838</div></td>
<td>
<div align="center">62,758</div></td>
<td>
<div align="center">88,784</div></td>
<td>
<div align="center">1,16,954</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>2000</strong></div></td>
<td>
<div align="center">25,300</div></td>
<td>
<div align="center">53,117</div></td>
<td>
<div align="center">83,678</div></td>
<td>
<div align="center">1,18,379</div></td>
<td>
<div align="center">1,55,939</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>2500</strong></div></td>
<td>
<div align="center">31,625</div></td>
<td>
<div align="center">66,396</div></td>
<td>
<div align="center">1,04,597</div></td>
<td>
<div align="center">1,47,974</div></td>
<td>
<div align="center">1,94,923</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>5000</strong></div></td>
<td>
<div align="center">63,250</div></td>
<td>
<div align="center">1,32,793</div></td>
<td>
<div align="center">2,09,194</div></td>
<td>
<div align="center">2,95,947</div></td>
<td>
<div align="center">3,89,847</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>10000</strong></div></td>
<td>
<div align="center">1,26,500</div></td>
<td>
<div align="center">2,65,585</div></td>
<td>
<div align="center">4,18,388</div></td>
<td>
<div align="center">5,91,895</div></td>
<td>
<div align="center">7,79,694</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>15000</strong></div></td>
<td>
<div align="center">1,89,750</div></td>
<td>
<div align="center">3,98,378</div></td>
<td>
<div align="center">6,27,581</div></td>
<td>
<div align="center">8,87,842</div></td>
<td>
<div align="center">11,69,541</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>20000</strong></div></td>
<td>
<div align="center">2,53,000</div></td>
<td>
<div align="center">5,31,170</div></td>
<td>
<div align="center">8,36,775</div></td>
<td>
<div align="center">11,83,789</div></td>
<td>
<div align="center">15,59,387</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>25000</strong></div></td>
<td>
<div align="center">3,16,250</div></td>
<td>
<div align="center">6,63,963</div></td>
<td>
<div align="center">10,45,969</div></td>
<td>
<div align="center">14,79,737</div></td>
<td>
<div align="center">19,49,234</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>50,000</strong></div></td>
<td>
<div align="center">6,32,500</div></td>
<td>
<div align="center">13,27,925</div></td>
<td>
<div align="center">20,91,938</div></td>
<td>
<div align="center">29,59,473</div></td>
<td>
<div align="center">38,98,468</div></td>
</tr>
<tr>
<td>
<div align="center"><strong>100,000</strong></div></td>
<td>
<div align="center">12,65,000</div></td>
<td>
<div align="center">26,55,850</div></td>
<td>
<div align="center">41,83,877</div></td>
<td>
<div align="center">59,18,947</div></td>
<td>
<div align="center">77,96,917</div></td>
</tr>
</thead>
</table>
</div>
<h6>Note:</h6>
<ol>
<li>Maturity amount is subject to regular payment of the prescribed monthly installments.</li>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ol>
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
<li>Introducer (if case of new applicant and/or applicable).</li>
</ol>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Haj" class="v_tabcontent">
<p class="special_spacing">Special Deposit Scheme for simplify performing Haj.</p>
<h6>Key Features:</h6>
<ul>
<li>Tenures from 1 to 20 years.</li>
<li>Installment fixed by choosing the tenure or vice versa. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Installment have to deposit within 20th day of the month.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>- Closed before one year – no profit will be provided.</li>
<li>- Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</ul>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th>Year(s)</th>
<th>Monthly Installment</th>
<th>Total Payable (approx..) with Profit</th>
</tr>
</thead>
<tbody>
<tr>
<td>20</td>
<td>1,600</td>
<td>12,30,193</td>
</tr>
<tr>
<td>19</td>
<td>1,700</td>
<td>11,65,788</td>
</tr>
<tr>
<td>18</td>
<td>1,800</td>
<td>10,98,454</td>
</tr>
<tr>
<td>17</td>
<td>1,900</td>
<td>10,29,169</td>
</tr>
<tr>
<td>16</td>
<td>2,100</td>
<td>10,06,702</td>
</tr>
<tr>
<td>15</td>
<td>2,200</td>
<td>9,30,220</td>
</tr>
<tr>
<td>14</td>
<td>2,400</td>
<td>8,91,569</td>
</tr>
<tr>
<td>13</td>
<td>2,600</td>
<td>8,44,718</td>
</tr>
<tr>
<td>12</td>
<td>2,800</td>
<td>7,91,319</td>
</tr>
<tr>
<td>11</td>
<td>3,000</td>
<td>7,32,794</td>
</tr>
<tr>
<td>10</td>
<td>3,200</td>
<td>6,70,368</td>
</tr>
<tr>
<td>9</td>
<td>3,700</td>
<td>6,58,483</td>
</tr>
<tr>
<td>8</td>
<td>4,200</td>
<td>6,27,506</td>
</tr>
<tr>
<td>7</td>
<td>4,700</td>
<td>5,80,624</td>
</tr>
<tr>
<td>6</td>
<td>5,200</td>
<td>5,20,615</td>
</tr>
<tr>
<td>5</td>
<td>6,200</td>
<td>4,83,410</td>
</tr>
<tr>
<td>4</td>
<td>7,700</td>
<td>4,55,759</td>
</tr>
<tr>
<td>3</td>
<td>10,200</td>
<td>4,26,755</td>
</tr>
<tr>
<td>2</td>
<td>15,200</td>
<td>4,03,689</td>
</tr>
<tr>
<td>1</td>
<td>30,500</td>
<td>3,85,825</td>
</tr>
</tbody>
</table>
</div>
<h6>Note:</h6>
<ol>
<li>Maturity amount is subject to regular payment of the prescribed monthly installments.</li>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ol>
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
<li>Introducer (if case of new account applicant and/or applicable).</li>
</ol>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Ghoroni" class="v_tabcontent">
<p class="special_spacing">Griheni Deposit Scheme is especially for the women to inspire Women empowerment.</p>
<h6>Key Features:</h6>
<ul>
<li>Monthly Installment: Any amount from TK. 500/- to TK. 25,000/-.</li>
<li>No fixed installment. The homemakers deposit any amount as her wish.</li>
<li>Amount can be deposited more than once in a single month. The whole amount within the month counted as deposit of that month. But no amount will be less than TK 500/-.</li>
<li>Maturity at 3, 5, 8, 10, 12, 15, 20 Years.</li>
<li>Attractive Profit Rate.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>- Closed before one year – no profit will be provided.</li>
<li>- Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</ul>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th>Years / Monthly Installment</th>
<th>3 Years</th>
<th>5 Years</th>
<th>8 Years</th>
<th>10 Years</th>
<th>12 Years</th>
<th>15 Years</th>
<th colspan="2">20 Years</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>500</strong></td>
<td>20,919</td>
<td>38,985</td>
<td>74,703</td>
<td>1,04,745</td>
<td>1,41,307</td>
<td>2,11,414</td>
<td colspan="2">3,84,435</td>
</tr>
<tr>
<td><strong>1000</strong></td>
<td>41,839</td>
<td>77,969</td>
<td>1,49,406</td>
<td>2,09,490</td>
<td>2,82,614</td>
<td>4,22,827</td>
<td colspan="2">7,68,871</td>
</tr>
<tr>
<td><strong>2000</strong></td>
<td>83,678</td>
<td>1,55,939</td>
<td>2,98,812</td>
<td>4,18,980</td>
<td>5,65,228</td>
<td>8,45,654</td>
<td colspan="2">15,37,742</td>
</tr>
<tr>
<td><strong>2500</strong></td>
<td>1,04,597</td>
<td>1,94,923</td>
<td>3,73,515</td>
<td>5,23,725</td>
<td>7,06,535</td>
<td>10,57,068</td>
<td colspan="2">19,22,177</td>
</tr>
<tr>
<td><strong>5000</strong></td>
<td>2,09,194</td>
<td>3,89,847</td>
<td>7,47,030</td>
<td>10,47,451</td>
<td>14,13,069</td>
<td>21,14,136</td>
<td colspan="2">38,44,355</td>
</tr>
<tr>
<td><strong>10000</strong></td>
<td>4,18,388</td>
<td>7,79,694</td>
<td>14,94,061</td>
<td>20,94,901</td>
<td>28,26,139</td>
<td>42,28,271</td>
<td colspan="2">76.88.709</td>
</tr>
<tr>
<td><strong>15000</strong></td>
<td>6.27.581</td>
<td>11,69,541</td>
<td>22,41,091</td>
<td>31,42,352</td>
<td>42,39,208</td>
<td>63,42,407</td>
<td colspan="2">1,15,33,064</td>
</tr>
<tr>
<td><strong>20000</strong></td>
<td>8,36,775</td>
<td>15,59,387</td>
<td>29,88,122</td>
<td>41,89,803</td>
<td>56,52,278</td>
<td>84,56,543</td>
<td colspan="2">1,53,77,419</td>
</tr>
<tr>
<td><strong>25000</strong></td>
<td>10,45,969</td>
<td>19,49,234</td>
<td>37,35,152</td>
<td>52,37,254</td>
<td>70,65,347</td>
<td>1,05,70,678</td>
<td colspan="2">1,92,21,773</td>
</tr>
</tbody>
</table>
</div>
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ol>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Only female can apply.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>Documents needed for availing the service:</h6>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Bondhon" class="v_tabcontent">
<p class="special_spacing">Shortage of money for marriage? FSIB Bondhon helps you solve the problems.</p>
<h6>Key Features:</h6>
<ul>
<li>Monthly Installment:500/- to 30,000/-</li>
<li>Tenure: 3, 5, 8, 10, 12, 15, 20 Years.</li>
<li>Attractive profit rate.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Installment fixed at opening the account. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Investment facility against the deposited amount.</li>
<li>In case of early encashment, Profit calculation will be as below;</li>
<ul>
<li>- Closed before one year – no profit will be provided.</li>
<li>- Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</ul>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th>Years / Monthly Installment</th>
<th>3 Years</th>
<th>5 Years</th>
<th>8 Years</th>
<th>10 Years</th>
<th>12 Years</th>
<th>15 Years</th>
<th colspan="2">20 Years</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>500</strong></td>
<td>20,919</td>
<td>38,985</td>
<td>74,703</td>
<td>1,04,745</td>
<td>1,41,307</td>
<td>2,11,414</td>
<td colspan="2">3,84,435</td>
</tr>
<tr>
<td><strong>1000</strong></td>
<td>41,839</td>
<td>77,969</td>
<td>1,49,406</td>
<td>2,09,490</td>
<td>2,82,614</td>
<td>4,22,827</td>
<td colspan="2">7,68,871</td>
</tr>
<tr>
<td><strong>2000</strong></td>
<td>83,678</td>
<td>1,55,939</td>
<td>2,98,812</td>
<td>4,18,980</td>
<td>5,65,228</td>
<td>8,45,654</td>
<td colspan="2">15,37,742</td>
</tr>
<tr>
<td><strong>2500</strong></td>
<td>1,04,597</td>
<td>1,94,923</td>
<td>3,73,515</td>
<td>5,23,725</td>
<td>7,06,535</td>
<td>10,57,068</td>
<td colspan="2">19,22,177</td>
</tr>
<tr>
<td><strong>5000</strong></td>
<td>2,09,194</td>
<td>3,89,847</td>
<td>7,47,030</td>
<td>10,47,451</td>
<td>14,13,069</td>
<td>21,14,136</td>
<td colspan="2">38,44,355</td>
</tr>
<tr>
<td><strong>10000</strong></td>
<td>4,18,388</td>
<td>7,79,694</td>
<td>14,94,061</td>
<td>20,94,901</td>
<td>28,26,139</td>
<td>42,28,271</td>
<td colspan="2">76.88.709</td>
</tr>
<tr>
<td><strong>15000</strong></td>
<td>6.27.581</td>
<td>11,69,541</td>
<td>22,41,091</td>
<td>31,42,352</td>
<td>42,39,208</td>
<td>63,42,407</td>
<td colspan="2">1,15,33,064</td>
</tr>
<tr>
<td><strong>20000</strong></td>
<td>8,36,775</td>
<td>15,59,387</td>
<td>29,88,122</td>
<td>41,89,803</td>
<td>56,52,278</td>
<td>84,56,543</td>
<td colspan="2">1,53,77,419</td>
</tr>
<tr>
<td><strong>25000</strong></td>
<td>10,45,969</td>
<td>19,49,234</td>
<td>37,35,152</td>
<td>52,37,254</td>
<td>70,65,347</td>
<td>1,05,70,678</td>
<td colspan="2">1,92,21,773</td>
</tr>
</tbody>
</table>
</div>
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ol>
<h6>Eligibility:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>Documents needed for availing the service:</h6>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Ehsan" class="v_tabcontent">
<p class="special_spacing">It is an attractive deposit scheme for those who are interested to get high profit rate at a time fixed amount and with installment.</p>
<h6>Key Features:</h6>
<ul>
<li>Initial Fixed Deposit Tk. 50,000/- & Monthly Installment Tk. 2,000/-, Initial Fixed Deposit Tk. 1,00,000/- & Monthly Installment Tk. 3,000/-, Initial Fixed Deposit Tk. 2,00,000/- & Monthly Installment Tk. 5,000/-.</li>
<li>Tenure: 3 Years.</li>
<li>10.00% Profit rate.</li>
<li>Installment fixed by choosing the installment & Fixed amount. Once chose the installment & Fixed amount can’t rectify it further.</li>
<li>Installment deposited facility by others savings account standing instruction in free of cost.</li>
<li>Facility for depositing due installment the penalty is 25 tk and more.</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>In case of early encashment, Profit calculation will be as below;</li>
</ul>
- Closed Before One Year – Only principal amount will be paid.
- Closed After one Year but before Maturity- Profit at Mudarabah Savings Rate.
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th style="text-align: center;">Monthly
Installmenl</th>
<th style="text-align: center;">Initial Fixed Amount</th>
<th style="text-align: center;">Principal Amount</th>
<th style="text-align: center;">Total Payable (Approx.) with Profit</th>
</tr>
</thead>
<tbody>
<tr>
<td>
<div align="center">2000</div></td>
<td width="172">50,000</td>
<td width="120">1,22,000</td>
<td>
<div align="center">1,50,068</div></td>
</tr>
<tr>
<td>
<div align="center">3000</div></td>
<td width="172">1,00,000</td>
<td width="120">2,08,000</td>
<td>
<div align="center">2,58,297 </div></td>
</tr>
<tr>
<td>
<div align="center">5000</div></td>
<td>2,00.000</td>
<td width="120">3,80,000</td>
<td>
<div align="center">4,74,756 </div></td>
</tr>
</tbody>
</table>
</div>
<h6>Note:</h6>
<ul>
<li>Maturity value is subject to proper and regular payment of the prescribed monthly installments.</li>
<li>Maturity Amount showed here is subject to income tax and/or other levies.</li>
</ul>
<h6>Eligibility:</h6>
<ol><li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>Documents needed for availing the service:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID/Passport of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Durbar" class="v_tabcontent">
<p class="special_spacing">Mudarabah Monthly Deposit Scheme “Durbar” gives you more installment option than others.</p>
<h6>Key Features:</h6>
<ul>
<li>Monthly Installment from TK. 500/- to TK.25,000/-</li>
<li>Tenure: 3, 5 & 10 Years.</li>
<li>Freedom of choosing any tenure & any installment.</li>
<li>Installment fixed by choosing the tenure or the installment. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Installment deposited facility by others savings account standing instruction in free of cost.</li>
<li>Deposit the installment at any branch/sub branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Installment deposited facility for any working day in month.</li>
<li>Investment facility against the deposited amount.</li>
<li>In case of early encashment, Profit calculation will be as below;</li>
</ul>
<div style="margin-top: 10px; font-weight: bold;">For Niramoy, Bondhon, Durbar, Ghoroni, Merchant</div>
- Closed Before One Year – Only principal amount will be paid.
- Closed After one Year but before minimum tenure - Profit applied at Mudarabah Savings Rate.
- Closed After minimum tenure but before contract of maturity full Profit applied for minimum maturity period.
<h6>Note:</h6>
<ul>
<li>Maturity value is subject to proper and regular payment of the prescribed monthly installments.</li>
<li>Maturity Amount showed here is subject to income tax and/or other levies.</li>
</ul>
<h6>Eligibility:</h6>
<h6>Documents needed for availing the service:</h6>
<ol>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ol>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Agroshor" class="v_tabcontent">
<p class="special_spacing">Be a Millionaire by starting as installment of only BDT 2,125 in convenient tenure.</p>
<h6>Key Features:</h6>
<ul>
<li>Tenures from 3 to 20 years.</li>
<li>Installment fixed by choosing the tenure or vice versa. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Investment facility against the deposited amount.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>- Closed before one year – no profit will be provided.</li>
<li>- Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</ul>
<p style="margin-top: 10px; font-weight: bold;">For Niramoy, Bondhon, Durbar, Ghoroni, Merchant</p>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th style="text-align: center;">Year(s)</th>
<th style="text-align: center;">Monthly Installment</th>
<th style="text-align: center;">Principal Amount</th>
<th style="text-align: center;">Total Payable (Approx.) with Profit </th>
</tr>
</thead>
<tbody>
<tr>
<td>
<div align="center"> 3</div></td>
<td width="172">23,910</td>
<td width="120">8,60,760</td>
<td>
<div align="center">10,00,365</div></td>
</tr>
<tr>
<td>
<div align="center"> 5</div></td>
<td width="172">12,830</td>
<td width="120">7,69,800</td>
<td>
<div align="center">10,00,347</div></td>
</tr>
<tr>
<td>
<div align="center"> 8</div></td>
<td>6.700</td>
<td width="120">6,43,200</td>
<td>
<div align="center">10,01,021</div></td>
</tr>
<tr>
<td>
<div align="center"> 10</div></td>
<td>4.780</td>
<td width="120">5,73,600</td>
<td>
<div align="center">10,01,369</div></td>
</tr>
<tr>
<td>
<div align="center"> 12</div></td>
<td>3.540</td>
<td width="120">5,09,760</td>
<td>
<div align="center">10,00,453</div></td>
</tr>
<tr>
<td>
<div align="center">15</div></td>
<td>2.370</td>
<td width="120">4,26,600</td>
<td>
<div align="center">10,02,100</div></td>
</tr>
<tr>
<td>
<div align="center">18</div></td>
<td width="172">1,640</td>
<td width="120">3,54,240</td>
<td>
<div align="center">10,00,813</div></td>
</tr>
<tr>
<td>
<div align="center">20</div></td>
<td>1.305</td>
<td width="120">3,13,200</td>
<td>
<div align="center">10,03,377</div></td>
</tr>
</tbody>
</table>
</div>
<h6>Note:</h6>
<ul>
<li>Maturity amount is subject to regular payment of the prescribed monthly installments.</li>
<li>Maturity amount is subject to the deduction of the income tax and/or other levies.</li>
</ul>
<h6>Documents needed for opening account:</h6>
<ol>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ol>
<div style="margin-top: 10px; font-weight: bold;">Eligibility:</div>
<ul>
<li>Minimum Age is 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Niramoy" class="v_tabcontent">
<p class="special_spacing">FSIB Health Care Deposit Scheme helps you meet the medical crises at the right moment.</p>
<h6>Key Features:</h6>
<ul>
<li>Monthly Installment: 500/- to 30,000/-</li>
<li>Tenure: 3, 5, 8, 10, 12, 15, 20 Years.</li>
<li>Attractive profit rate.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Installment fixed at opening the account. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Investment facility against the deposited amount.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>- Closed before one year – no profit will be provided.</li>
<li>- Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</li>
</ul>
<div style="margin-top: 10px; font-weight: bold;">For Niramoy, Bondhon, Durbar, Ghoroni, Merchant</div>
<div class="table-responsive">
<table class="table">
<thead>
<tr>
<th>Years / Monthly Installment</th>
<th>3 Years</th>
<th>5 Years</th>
<th>8 Years</th>
<th>10 Years</th>
<th>12 Years</th>
<th>15 Years</th>
<th colspan="2">20 Years</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>500</strong></td>
<td>20,919</td>
<td>38,985</td>
<td>74,703</td>
<td>1,04,745</td>
<td>1,41,307</td>
<td>2,11,414</td>
<td colspan="2">3,84,435</td>
</tr>
<tr>
<td><strong>1000</strong></td>
<td>41,839</td>
<td>77,969</td>
<td>1,49,406</td>
<td>2,09,490</td>
<td>2,82,614</td>
<td>4,22,827</td>
<td colspan="2">7,68,871</td>
</tr>
<tr>
<td><strong>2000</strong></td>
<td>83,678</td>
<td>1,55,939</td>
<td>2,98,812</td>
<td>4,18,980</td>
<td>5,65,228</td>
<td>8,45,654</td>
<td colspan="2">15,37,742</td>
</tr>
<tr>
<td><strong>2500</strong></td>
<td>1,04,597</td>
<td>1,94,923</td>
<td>3,73,515</td>
<td>5,23,725</td>
<td>7,06,535</td>
<td>10,57,068</td>
<td colspan="2">19,22,177</td>
</tr>
<tr>
<td><strong>5000</strong></td>
<td>2,09,194</td>
<td>3,89,847</td>
<td>7,47,030</td>
<td>10,47,451</td>
<td>14,13,069</td>
<td>21,14,136</td>
<td colspan="2">38,44,355</td>
</tr>
<tr>
<td><strong>10000</strong></td>
<td>4,18,388</td>
<td>7,79,694</td>
<td>14,94,061</td>
<td>20,94,901</td>
<td>28,26,139</td>
<td>42,28,271</td>
<td colspan="2">76.88.709</td>
</tr>
<tr>
<td><strong>15000</strong></td>
<td>6.27.581</td>
<td>11,69,541</td>
<td>22,41,091</td>
<td>31,42,352</td>
<td>42,39,208</td>
<td>63,42,407</td>
<td colspan="2">1,15,33,064</td>
</tr>
<tr>
<td><strong>20000</strong></td>
<td>8,36,775</td>
<td>15,59,387</td>
<td>29,88,122</td>
<td>41,89,803</td>
<td>56,52,278</td>
<td>84,56,543</td>
<td colspan="2">1,53,77,419</td>
</tr>
<tr>
<td><strong>25000</strong></td>
<td>10,45,969</td>
<td>19,49,234</td>
<td>37,35,152</td>
<td>52,37,254</td>
<td>70,65,347</td>
<td>1,05,70,678</td>
<td colspan="2">1,92,21,773</td>
</tr>
</tbody>
</table>
</div>
<h6>Documents needed for opening account:</h6>
<ul>
<li>One copy passport size photograph of the applicant.</li>
<li>One copy passport size photograph of the nominee (photograph to be attested by the applicant).</li>
<li>Photocopies of National ID Card/Passport/Driving License of both applicant and nominee.</li>
<li>TIN Certificate (if applicable).</li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Alo" class="v_tabcontent">
<p class="special_spacing">Help your junior develop a saving habit.</p>
<h6>Key Features:</h6>
<ul>
<li>Special Deposit Scheme for the parents of Students.</li>
<li>Monthly Installment: 100/- to 30,000/-</li>
<li>Tenure: 3, 5, 8, 10, 12, 15, 20 Years.</li>
<li>Attractive profit rate.</li>
<li>Deposit the installment at any branch through the month around the country.</li>
<li>Installment fixed at opening the account. Once chose the installment/Tenure can’t rectify it further.</li>
<li>Facility for depositing the installment in advance but have to pay penalty for due installment (up to BDT 5000, the penalty is 25 tk and more BDT 5000, penalty is 50tk).</li>
<li>If any customer failed to pay the installment for consecutive three (3) months, the account will be closed automatically.</li>
<li>Investment facility against the deposited amount.</li>
<li>In case of early encashment, Profit calculation will be as below;
<ul>
<li>– Closed before one year – no profit will be provided.</li>
<li>– Closed after one year but before maturity- profit at savings rate.</li>
</ul>
</li>
</ul>
<h6 class="mt-5">For Alo, Bondhon, Niramoy, Aboshor, Shadesh, Ghoroni,MMDS, Uddipon</h6>
<div class="table-responsive">
<table class="table mt-3">
<thead>
<th>Years / Monthly Installment</th>
<th>3 Years</th>
<th>5 Years</th>
<th>8 Years</th>
<th>10 Years</th>
<th>12 Years</th>
<th>15 Years</th>
<th>20 Years</th>
</thead>
<tbody>
<tr>
<td>100</td>
<td>4,017</td>
<td>7,197</td>
<td>12,857</td>
<td>17,317</td>
<td>22,415</td>
<td>31,446</td>
<td>51,075</td>
</tr>
<tr>
<td>250</td>
<td>10,044</td>
<td>17,993</td>
<td>32,141</td>
<td>43,293</td>
<td>56,037</td>
<td>78,616</td>
<td>1,27,689</td>
</tr>
</tbody>
</table>
</div>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Onkur" class="v_tabcontent">
<p class="special_spacing">Introduce the child into the world of banking!</p>
<h6>Key Features:</h6>
<ul>
<li>Free Cheque Book (1st book only).</li>
<li>Highest provisional profit on deposit.</li>
<li>No account maintenance fees.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st Year, 50% Waiver from 2nd Year.</a></li>
<li>Online banking facilities.</li>
<li>No minimum balance.</li>
<li>Minimum Initial deposit amount is only BDT 100/- only.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Any Bangladeshi school (Class one to Ten) going student.</li>
<li>Student cannot open the account with anyone other than his/her parents.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Projonmo" class="v_tabcontent">
<p class="special_spacing">Familiarize the new generation by practicing the habit of saving.</p>
<h6>Key Features:</h6>
<ul>
<li>Free Cheque Book (1st book only).</li>
<li>Any Amount above 100 taka can be Deposited & Withdrawn.</li>
<li>Highest Profit rate on deposit.</li>
<li>No account maintenance fees.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st Year, 50% Waiver from 2nd Year.</a></li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li>Minimum Initial deposit amount is only BDT 200/- only.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Any Bangladeshi College/University going student.</li>
<li>Student can open the account with anyone other than his/her parents if she/he is over 18.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Prapti" class="v_tabcontent">
<p class="special_spacing">FSIB Mudarabah Salary Saving Account (Prapti) is for those whose monthly salary is BDT 5000 or above. It’s an account styled to provide you the best profit rate at a low balance requirement—making it the classic choice for you.</p>
<h6>Key Features:</h6>
<ul>
<li>Individual account for office employees to help disbursement of monthly salary.</li>
<li>For Corporate Executives & Officers.</li>
<li>No Maintenance Charge.</li>
<li><a href="fsib_card.php">Free VISA Debit Card for 1st year.</a></li>
<li>Free Cheque Book (1st Book only).</li>
<li>Attractive profit rate.</li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>The organization needs to have a minimum of 10 employees and a payout of TK 100,000/- (One Lac Taka) only per month and an average salary per employee of TK 10,000/- per month.</li>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Probin" class="v_tabcontent">
<p class="special_spacing">Considering the contribution of Senior Citizen in high esteem, FSIB offers a unique moderate saving account for their convenience.</p>
<h6>Key Features:</h6>
<ul>
<li>A savings account for senior citizen aged 60 years or above.</li>
<li>Initial Deposit Tk. 5,000/-.</li>
<li>Highest Profit rate on deposit.</li>
<li><a href="fsib_card.php">Free VISA Debit Card *</a></li>
<li>Free Cheque Book. *</li>
<li>Attractive profit rate.</li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="locker.php">20% Discount on Locker Services (applicable for branches having locker facility).</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 60 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Mehonoty" class="v_tabcontent">
<p class="special_spacing">Specialized account for people with lower income bracket of the country.</p>
<h6>Key Features:</h6>
<ul>
<li>No Maintenance Charge.</li>
<li>Free Cheque Book (1st Book only).</li>
<li>Attractive profit rate.</li>
<li>Online banking facilities.</li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li>Minimum balance for opening account is TK 100/-.</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="SND" class="v_tabcontent">
<p class="special_spacing">A Specialized account that gives you more transactions limit than regular.</p>
<h6>Key Features:</h6>
<ul>
<li>Any adult having sound mind can open this account in his/her name singly or jointly with others.</li>
<li>Any proprietorship/partnership firm, limited company (private/public), educational institution, club, association, socio-economic organization can also open this account.</li>
<li>Account opening balance is TK. 5,000 only, which is treated as minimum balance of the account.</li>
<li>Attractive profit rate.</li>
<li><a href="fsib_card.php">FSIB VISA debit card.</a></li>
<li>Online banking facilities.</li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="cloud.php/">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Smart" class="v_tabcontent">
<p class="special_spacing">Mudarabah “FSIB Smart Account” for those who are interested to get unlimited transaction facility and high profit rate like as Mudarabah Term Deposit Account in one account. It’s a unique savings account and provide the best profit rate at slab wise.</p>
<h6>Key Features:</h6>
<ul>
<li>Individual account for all valued client.</li>
<li>Profit calculated on daily basis and pay to account in month end.</li>
<li>Free ATM Card for 1st year.</li>
<li>Special facility withdrawal in others Bank ATM Booth.</li>
<li>Free 25 leaf’s Cheque Book (1st Book only).</li>
<li>Maximum 6% Provisional Profit rate.</li>
<li>FSIB Cloud apps and many more…</li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
</div>
</div>
<div id="wadiah" class="tabcontent" style="padding:0">
<!-- start Mudaraba Savings Account v_tabcontent -->
<div class="d-flex">
<div class="tab vertical_tab" style="background:url('resources/mega.png');">
<button class="tablinks active" onclick="openVTab(event, 'CurrentDeposit')">Current Deposit</button>
<button class="tablinks" onclick="openVTab(event, 'Shomman')">Shomman</button>
<button class="tablinks" onclick="openVTab(event, 'Morjada')">Morjada</button>
</div>
<div id="CurrentDeposit" class="v_tabcontent">
<p class="special_spacing">Desiring for unlimited transaction facility for conducting day to day higher business transaction? We offer the best for you.</p>
<h6>Key Features:</h6>
<ul>
<li>Any adult having sound mind can open this account in his/her name singly or jointly with others.</li>
<li>Any proprietorship/partnership firm, limited company (private/public), educational institution, club, association, socio-economic organization can also open this account.</li>
<li>Initial account opening balance is TK. 1,000 only, which is treated as minimum balance of the account.</li>
<li>Unlimited transaction facilities.</li>
<li>Online banking facilities.</li>
<li><a href="fsib_card.php">FSIB VISA debit card.</a></li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Shomman" class="v_tabcontent">
<p class="special_spacing">Al-Wadeeah Premium Account gives you free intercity transaction with unlimited transaction facility.</p>
<h6>Key Features:</h6>
<ul>
<li>Freedom of unlimited transactions.</li>
<li>Minimum account opening balance requirement is BDT 25,000/-</li>
<li>Free Inter-city transaction.</li>
<li><a href="fsib_card.php">FSIB VISA debit card.</a></li>
<li>Free 100 Leafs Cheque Book.*</li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li>No Maintenance Charge.</li>
<li>Online banking facilities.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<p>*Condition(s) apply.</p>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
<div id="Morjada" class="v_tabcontent">
<p class="special_spacing">It’s a unique account which allows you for having unlimited transaction facility with a wide list of specialized advantages. It certainly adds more for you.</p>
<h6>Key Features:</h6>
<ul>
<li>Freedom of unlimited transactions.</li>
<li>Minimum account opening balance requirement is BDT 15,000/-</li>
<li><a href="fsib_card.php">FSIB VISA debit card.</a></li>
<li>Free 100 Leafs Cheque Book.*</li>
<li>Online banking facilities.</li>
<li>Inter-city transaction – Completely Free.</li>
<li><a href="https://cloud.fsiblbd.com/FSIBLCLOUD/login?returnUrl=%2F">Internet Banking.</a></li>
<li><a href="smsbanking.php">SMS Banking.</a></li>
<li><a href="cloud.php">FSIB Cloud apps and many more…</a></li>
</ul>
<h6>Documents needed for availing the service:</h6>
<ul>
<li><a href="documents.php">Few documents needed accordingly Account holder.</a></li>
</ul>
<h6>Eligibility:</h6>
<ul>
<li>Minimum Age: 18 years.</li>
<li>Citizen of Bangladesh.</li>
</ul>
<p>*Condition(s) apply.</p>
<h6>For details, please visit your nearest branch of FSIB.</h6>
<p><a href="location_br.php">Click here to find your Nearest Branch</a></p>
</div>
</div>
</div>
<div id="foreign" class="tabcontent" style="padding:0">
<!-- start Mudaraba Savings Account v_tabcontent -->
<div class="d-flex">
<div class="tab vertical_tab" style="background:url('resources/mega.png');">
<button class="tablinks active" onclick="openVTab(event, 'PFC')">PFC</button>
<button class="tablinks" onclick="openVTab(event, 'RFCD')">RFCD</button>
<button class="tablinks" onclick="openVTab(event, 'NFCD')">NFCD</button>
<button class="tablinks" onclick="openVTab(event, 'ERQ')">ERQ</button>
<button class="tablinks" onclick="openVTab(event, 'NITA')">NITA</button>
<button class="tablinks" onclick="openVTab(event, 'Other')">Other</button>
</div>
<div id="PFC" class="v_tabcontent">
<p class="special_spacing">Private Foreign Currency (PFC) Accounts</p>
<h6>Who can open this account? </h6>
<ul>
<li>Bangladeshi nationals working / residing abroad (including dual nationality). </li>
<li>Foreign nationals residing abroad or in Bangladesh. </li>
<li>Foreign firms registered abroad and operating in Bangladesh or abroad. </li>
<li>Foreign missions and their expatriate employees. </li>
<li>Bangladesh nationals working and earning abroad including self-employed Bangladeshi migrants proceeding abroad on employment. </li>
<li>Diplomatic Warehouse (Duty free shops) licensed by the Custom Authority. </li>
<li>Local and Joint Venture contracting firms employed to execute projects by foreign /International donor agencies as per terms of the contract. </li>
<li>Resident Bangladeshi nationals working with the foreign /international organizations operating in Bangladesh with entitlement to receive salary in FCY. </li>
</ul>
<h6>General Features of Private Foreign Currency (PFC) Account:</h6>
<ul>
<li>Eligible currencies: USD, GBP, Euro, JPY.</li>
<li>Account can be opened without initial deposits.</li>
<li>Account holder may maintain himself or nominated person. </li>
<li>Foreign exchange earned through business done or services rendered in Bangladesh cannot be put into these accounts.</li>
<li>No payment in foreign exchange may be made to or on behalf of any resident in Bangladesh out of the foreign currency accounts opened as per the above arrangement except Foreign Diplomats and Privileged persons or any other person or firm who have specific authority from Bangladesh Bank to accept such payments. Bills of the local contractors of the foreign missions in Bangladesh may also be settled in foreign currency from the balances of the foreign currency accounts of such missions. In such cases the beneficiary of the bill will have to encash the foreign currency with any AD within one month from the date of receipt.</li>
<li>Any payment received in foreign exchange by the ADs on behalf of residents of Bangladesh must not be retained in foreign exchange but must be converted into Taka unless the AD is satisfied that the payee has the general/special permission of the Bangladesh Bank to retain the foreign exchange.</li>
<li>Payments in foreign currency by foreign nationals residing in Bangladesh to or on behalf of residents of Bangladesh whether Bangladeshis or foreign nationals are prohibited except to a firm like a gift shop or an establishment like a hotel holding a valid authorised money changer's licence. Foreign nationals should not, therefore, directly or indirectly, make foreign currency available to the residents or to other persons on their behalf against payment in Taka. Such payments are prohibited even from their foreign currency accounts which they are permitted to maintain and operate from Bangladesh.</li>
<li>No cheque book provided. </li>
<li>Term Deposits for the period of one/three/six/twelve months.</li>
<li>Profit on one month or longer period.</li>
<li>International debit/pre-paid card may be issued against the balances held in private foreign currency accounts.</li>
<li>Account may be opened after departure for abroad by sending necessary papers/documents or after return from abroad.</li>
</ul>
<h6>Utilization</h6>
<ul>
<li>Payments may be made freely abroad.</li>
<li>Local disbursement may also be made freely in taka<strong>.</strong></li>
<li>Bills of the local contractors of the foreign missions in Bangladesh may also be settled in foreign currency from the balances of the foreign currency accounts of such missions. In such cases the beneficiary of the bill will have to encash the foreign currency with any AD within one month from the date of receipt.</li>
<li>A gift shop or an establishment like a hotel holding a valid authorised money changer's license.</li>
</ul>
<h6>Credit</h6>
<ul>
<li>Inward remittance of foreign exchange in any form.</li>
<li>Transfer from another FC account or non-resident Taka accounts of banks abroad.</li>
<li>Proceeds of convertible foreign exchange viz. currency notes and drafts etc. brought into Bangladesh by the account holders while on visit to Bangladesh may be deposited to such accounts.</li>
<li>Foreign diplomats and privileged persons or any other person or firm who have specific authority from Bangladesh Bank to accept such payments.</li>
</ul>
</div>
<div id="RFCD" class="v_tabcontent">
<p class="special_spacing">Resident Foreign Currency Deposit (RFCD) Account</p>
<h6>Who can open this account?</h6>
<p>Customer resident in Bangladesh may open RFCD account with foreign exchange brought in at the time of their returns from travel abroad. </p>
<h6>Key Features: </h6>
<ul>
<li>Eligible currencies are USD, GBP, Euro, JPY.</li>
<li>Proceeds of export of goods or services from Bangladesh or commission arising from business deals in Bangladesh shall not be credited to such accounts.</li>
<li>These accounts may be maintained as long as the account holders’ desire.</li>
<li>FMJ Form for amount in excess of the threshold set by Bangladesh Bank in which case the FCY must be deposited within 30 days of arrival. </li>
<li>A written declaration of the Account Holder stating: </li> <ul>
<li>The date of return from abroad.</li>
<li>The amount of FCY brought in</li>
<li>The FCY is not a receipt against export of goods or services from Bangladesh.</li>
<li>The FCY is not a commission due from abroad arising from business deal in Bangladesh.</li>
</ul>
<li>The ADs will credit the foreign exchange presented by the depositor to the RFCD account only after examining the passport of the depositor and the FMJ form [if the amount exceeds USD 10000 (Ten thousand) or its equivalent] and after being satisfied about the correctness of the declaration.</li>
</ul>
<h6>Utilization</h6>
<ul>
<li>ADs may issue International credit/debit/pre-paid card against the balances held in RFCD accounts favoring the account holders.</li>
<li>Balances in these accounts shall be freely transferable abroad. </li>
<li>Fund from these accounts may also be issued to account-holders for the purpose of their foreign travels in the usual manner [i.e. with endorsement in passport and ticket, upto USD 5000 (five thousand) in the form of cash currency notes and the remainder in the form of TC & or other currencies].</li>
</ul>
<h6>Credit</h6>
<p>Any amount brought in with declaration to Customs Authorities in form FMJ and upto USD 10000 (Ten thousand) brought in without any declaration, can be credited to such accounts.</p>
<h6>Reporting:</h6>
<p>The head offices/principal offices of the banks shall prepare currency-wise consolidated monthly statements of transactions in the RFCD accounts in all their AD branches (as per Appendix 5/87) and send the same to FEOD, Head office or other offices of Bangladesh Bank, by the 15th day of the following month.</p>
<h6>Required Documents: </h6>
<ul>
<li>Duly filled and signed account opening form (to be signed by the applicant in front of bank’s official).</li>
<li>Two copies of recent passport size Photograph of the account holder.</li>
<li>One copy of recent passport size photograph of the nominee/guardian (in case of nominee being a minor) attested by the account-holder(s).</li>
<li>Copy of passport including relevant pages evidencing departure and arrival.</li>
</ul>
</div>
<div id="NFCD" class="v_tabcontent">
<p class="special_spacing">Non–Resident Foreign Currency Deposit (NFCD) Account</p>
<h6>Who can open this account? </h6>
<ul>
<li>All non-resident Bangladesh nationals.<strong><u></u></strong></li>
<li>Persons of Bangladesh origin including those having dual nationality and ordinarily residing abroad.<strong><u> </u></strong></li>
<li>Bangladesh nationals serving with Embassies / High Commissions of Bangladesh in foreign countries & also the Officers/staff of the government/semi-government departments/ nationalized banks and Employees of body corporate posted abroad or deputed with international and regional agencies like IMF, World Bank, IDB, ADB etc. during their assignments abroad may open such accounts.</li>
<li>Foreign nationals and companies/firms registered and/or incorporated abroad, banks, other financial institutions including institutional investors and 100% foreign owned (A-Type) industrial units in the EPZs/EZs in Bangladesh.</li>
</ul>
<h6>General Features: </h6>
<ul>
<li>The accounts are in the nature of Interest bearing term deposits maturing after one month, three months, six months and one year with option for auto renew.</li>
<li>Eligible currencies: USD, GBP, Euro, JPY.</li>
<li>In case of eligible Bangladeshi nationals, Initial time deposit should be USD 1,000.00 or GBP 500.00 or equivalent. </li>
<li>In case of foreign nationals or companies minimum time deposit should be USD 25,000.00 or equivalent in USD, GBP, Euro, JPY.</li>
<li>These accounts may be maintained as long as the account holders’ desire and to open such account at any time after return to Bangladesh. </li>
<li> NRBs may open after their return to Bangladesh with Retirement benefits, periodical pensions, superannuation benefits etc. as per employment agreement with employers while on service abroad. </li>
<li> Crew members of Bangladeshi Shipping Companies are not entitled to open such accounts, but shore staff posted abroad may open such accounts.</li>
<li>The ADs may also invest abroad the amounts deposited with them and pay interest to the depositors out of earnings from such investments.</li>
</ul>
<h6>Credit</h6>
<ul>
<li>Accounts may also be opened with funds transferred from existing foreign currency accounts maintained by the wage earners with the ADs in Bangladesh.</li>
<li>Accounts may be opened against remittances in other convertible currencies after conversion of those USD, GBP, Euro, JPY.</li>
</ul>
<h6>Utilization</h6>
<ul>
<li>The balances held in the accounts may be used for settlement of legitimate payment abroad, subject to production of documentary evidence and deduction of applicable taxes.</li>
<li>The account holder can freely repatriate the balance and the interest accrued thereon in foreign exchange to the country of his residence or anywhere he chooses and may at his option, convert the balance into local Taka at the prevailing exchange rate.</li>
<li>The ADs may utilize 50(fifty) percent of the balances of NFCD accounts for (i) discounting of usance export bills of Type A and Type B units of EPZs/EZs and (ii) payment of back to back LC opened on sight basis. Amounts so utilized should immediately be replenished on realization of respective export proceeds.</li>
</ul>
<h6>Reporting</h6>
<p>Separate monthly statements summarizing currency wise transactions in the NFCD accounts of all AD branches of a bank should be submitted from the head offices/principal offices of the banks as per pro-forma at Appendix 5/86, by the 15th of the following month that which it relates to the FEOD, Head Office or other offices of Bangladesh Bank.</p>
<h6>Required documents:</h6>
<ul>
<li>Duly filled Account Opening Form (AOF)</li>
<li>Two copies of recent passport size Photograph of the Account Holder</li>
<li>One copy of recent passport size photograph of the nominee/guardian (in case of nominee being a minor) attested by the account-holder(s)</li>
<li>Specimen signatures on the specimen signature card.</li>
<li>Work permit [issued by BIDA /BEPZA (in case of EPZ)/ NGO Affairs Bureau (in case NGO)/ BEZA (in case of Economic Zone) /HTP (in case of Hi-Tech Parks authority)] for the foreign nationals & Companies.</li>
<li>Salary Certificate/appointment letter /approval for self-employment from the competent Authority for the Bangladeshi nationals (if any).</li>
<li>Copy of Passport with visa details.</li>
</ul>
</div>
<div id="NFCD" class="v_tabcontent">
<p class="special_spacing">NFCD</p>
</div>
<div id="ERQ" class="v_tabcontent">
<p class="special_spacing">Export Retention Quota (ERQ) Account:</p>
<h6>Who can open this account?</h6>
<ul>
<li>Merchandise exporters/Direct Exporters.</li>
<li>In the names of deemed exporters for supplying inputs against inland back to back letter of credit denominated in foreign currency.</li>
<li>Exporters of computer software, data entry/processing and other ICT services.</li>
<li>Service Exporters against service rendered in non-physical form.</li>
</ul>
<h6>Take Note:</h6>
<p>Foreign exchange earnings on account of indenting commission or agency commission for export from Bangladesh cannot be credited to such accounts since these incomes originate from Bangladesh sources.</p>
<h6>General Features: </h6>
<ul>
<li>Eligible currencies are USD, GBP, Euro, JPY.</li>
<li>Foreign exchange from the ERQ account cannot be used for investment abroad by the exporter.</li>
<li>Not Checking Account.</li>
</ul>
<h6>Retain of Exporter Retention Quota:</h6>
<ul>
<li>Merchandise exporters having low import content (high domestic value-added) shall retain 60 (sixty) percent of repatriated FOB value of their exports. </li>
<li>Merchandise exporters having high import content (Low domestic value-added) shall retain 15(fifty) percent of repatriated FOB value of their exports. (Example: readymade garments made of imported fabrics, naphtha, furnace oil and bitumen, electronic goods etc.)</li>
<li>Retention quota account may also be opened and maintained in the names of deemed exporters for supplying inputs against inland back to back letter of credit denominated in foreign currency. Since foreign exchange earned from direct export is to be shared among direct and deemed exporters, ADs are obliged for the meticulous compliance of the followings:
(i) the total amount credited to the direct exporter's retention quota account together with foreign exchange paid to the deemed exporter against supply of input must not exceed the net repatriated FOB export value of the direct exporter; and (ii) the foreign exchange shall be credited to the retention quota account of the deemed exporter only after settlement of the amount against back-to-back LC for deemed export.
</li>
<li>Exporters of software, data entry/processing and other ICT related services may retain 70 (seventy) percent of net export earnings repatriated in foreign exchange in ERQ accounts.</li>
<li>Service exporters other than those mentioned above may retain 60 (sixty) percent of their repatriated export receipts in ERQ accounts against service rendered in non-physical form.</li>
</ul>
<p>Note: Foreign Exchange Policy Department, Bangladesh Bank has issued FE Circular No. 14 Date: July 14, 2022 & has also been decided to revise retention limit out of realized export proceeds from 15 percent, 60 percent and 70 percent to 7.50 percent, 30 percent and 35 percent respectively. Also Foreign Exchange Policy Department, Bangladesh Bank has issued FE Circular No. 15 Date: September 24, 2023 & has been decided to reinstate the retention limit out of realized export proceeds of ERQ to 7.5 percent, 30 percent, and 35 percent from 15 percent, 60 percent and 70 percent respectively.</p>
<h6>Purpose of Utilization without prior approval of Bangladesh Bank.:</h6>
<ul>
<li>Establishment and Maintenance of offices abroad.</li>
<li>Import of raw materials. </li>
<li>Import of machinery and spares etc. </li>
<li>Import payment of subsidiary & sister concerns. </li>
<li>Repayment of authorized foreign loan. </li>
<li>Debit for interest bearing Term Deposit.</li>
<li>All Bonafide business purposes, such as business visits abroad, participation in export fairs and seminars. </li>
<li>ADs on request by the IT/Software exporting firms can remit international alliance/software registration fee, domain registration/hosting fee, server maintenance fee, account verification/remittance test fee, etc. from the ERQ account of the applicant.</li>
<li>Transfer of unencumbered foreign currency between the ERQ accounts of same exporter maintained out of export receipts with different ADs is permissible for bonafide transactions as mentioned in above. Fund from </li>
<li>ERQ accounts of the exporters held at other ADs may be used for (1) settlement of import liability of the exporters and for (2) settlement of import liability & repayment of authorised foreign loan of exporters' subsidiaries/sister concerns. </li>
<li>ADs may effect advance payment not exceeding USD 25,000 or its equivalent from the Exporters' Retention Quota Account against bonafide business purposes provided the relevant contract/proforma invoice stipulates for such payment. Before effecting the advance payment, the ADs must obtain Form of Undertaking duly signed by the importer.</li>
<li>International credit/debit/pre-paid card against balances held in ERQ accounts:
International credit/debit/pre-paid cards may be issued against the balances held in the ERQ foreign currency account as per entitlement mentioned in Para 27, Chapter 13 of this Guidelines. International cards may be issued in favor of up to three (3) top level executives of an exporting firm/organisation holding ERQ accounts. An exporting firm/organization may avail of the card facility from one card issuing bank only. It will be upto the card issuing bank to accept or decline a request from an ERQ account holding exporting firm/organisation for issuance of international cards. Cards issued against ERQ accounts may be used only for meeting the bonafide business purposes of the exporting firm/organization as mentioned in above.</li>
</ul>
<h6>Documents Required:</h6>
<ul>
<li>Duly filled & signed in account opening form to be signed by the assigned signatories (to be signed by the assigned signatories in front of Bank’s Official).</li>
<li>PIF & 2 recent color Passport size Lab Print photograph of all shareholder, owner of 20% or more share of the organization and signatories (Other than director) duly attested by the Chairman/Company Secretary/Managing Director [signature to be verified].</li>
<li>Passport / National ID Card / Birth registration Certificate of all the directors/Signatories (original to be presented for verification) duly attested by the Chairman/Managing Director/Company Secretary.</li>
<li>Copy of Valid Trade License & ERC.</li>
<li>E-TIN certificate in the name of organization.</li>
<li>Copy of Certificate of Incorporation certified by RJSC (for Limited Company only)</li>
<li>Copy of Memorandum and Articles of Association of the company certified by RJSC.</li>
<li>Copy of Certificate of Commencement of business (if Public Limited Company) certified by RJSC.</li>
<li>List of the Directors [Form XII] certified by RJSC.</li>
<li>Copy of Schedule X & change of directors/share certificate (if applicable) certified by RJSC.</li>
<li>Extract of the Board Resolution/general meeting [as defined in MOA & AOA], of the company for opening the account and authorizes for its operations duly certified by the Chairman/Managing Director/Board Secretary of the company clearly mention the operating instruction.</li>
<li>Partnership deed and registration certificate from registrar of firms ( for Partnership businesses only)</li>
<li>BASIS Certificate (if applicable).</li>
</ul>
</div>
<div id="NITA" class="v_tabcontent">
<p class="special_spacing">Non-Resident Investor`s Taka Account (NITA)</p>
<p>Bangladesh Bank has a guideline to open Non-Resident Investor’s Taka Account (NITA) which is designed for non-resident individuals/institutions including non-resident Bangladeshi nationals. Under this guideline, FSIB has plan to provide NITA account facility to boost up the Bangladesh Capital Market as well as economy by bringing foreign remittance from abroad through normal banking channel or by transfer of funds from the non-resident investor's foreign currency account, if any, in Bangladesh.</p>
<h6>Objectives:</h6>
<ul>
<li>To invest in the Bangladeshi Stock Market as well as IPOs (Initial Public Offerings) from anywhere around the world.</li>
<li>To trade in Bangladesh Stock Market from anywhere around the globe.</li>
<li>To hold the investors’ funds and shares/stocks in safe custody.</li>
<li>To facilitate buy and sell of securities/stocks/shares through brokerage houses.</li>
<li>To Facilitate easy repatriation of the investors’ funds i.e. capital or principal investment, dividend and capital gains to the clients’ overseas bank accounts based on their instructions.</li>
</ul>
<h6>Who can open this account? </h6>
<ul>
<li>All Bangladeshi nationals i.e. Bangladeshi passport holders who are residing/working abroad</li>
<li>Foreign passport holders with Bangladeshi origin</li>
<li>Foreign individuals</li>
<li>Foreign institutions</li>
</ul>
<h6>Main Features:</h6>
<p>Non-resident portfolio investors can only open a Non-resident Investors Taka Account (NITA) with any authorized dealer (AD) branches of FSIB in Bangladesh. Securities can be purchased only through a member/registered broker of the stock exchange. However, public issues not yet listed in a stock exchange can be bought directly from the issuing company. For the purpose of trading securities, investors need to open a security account/trading account with through a member/registered broker of the stock exchange. Funds from NITA can be used to purchase shares and securities listed in a stock exchange. Balance of the account is also freely transferable to the Foreign Currency Account of the same person as well as remittable abroad in equivalent foreign exchange. Non-Interest bearing account. NITA can be operated by the account-holder himself or by a nominee, including the AD itself.</p>
<h6>Credit: </h6>
<ul>
<li>Freely convertible foreign currency remitted from abroad through normal banking channel or</li>
<li>By transfer of funds from the non-resident investor's foreign currency account, if any, in Bangladesh;</li>
<li>Dividends/interest earnings on the shares/securities bought through the NITA, net of taxes payable on such earnings of the non-resident holder, received from the issuing company/institution may be credited to the NITA.</li>
<li>Sale proceeds of the shares/securities purchased through the NITA (net of taxes payable, if any, on the capital gain) may also be credited to the NITA.</li>
</ul>
<h6>Debit: </h6>
<ul>
<li>Balances in the NITA may freely be used to buy Bangladeshi shares/securities.</li>
<li>These balances are also freely transferable to the Foreign Currency Account (opened as per instructions at Chapter 13, Para 1 & 2) of the same person with the respective AD as well as remittable abroad in equivalent foreign exchange.</li>
</ul>
<h6>Document Required:
For Individual Account
</h6>
<ul>
<li>2 Copies Passport Size Photograph of Applicant</li>
<li>Valid Passport Photocopy</li>
<li>1 Copies of Passport Size Photograph of Nominee (Attested by Applicant at the back of the photo)</li>
<li>Passport Photocopy of the Nominee</li>
<li>Complete NITA Opening Form</li>
</ul>
<h6>For Non Individual Account</h6>
<ul>
<li>1 Copies Passport Size Photograph of each Director</li>
<li>2 Copies Passport Size Photograph of Signatories</li>
<li>Valid Passport Photocopy of Directors</li>
<li>Valid Passport Photocopy of Authorized Signatories</li>
<li>Information Related to Individual Form of Signatories</li>
<li>Complete NITA Opening Form</li>
<li>Copy of Minutes of Board Resolution Concerning opening operation of NITA duly certified by Chairman/Company Secretary</li>
<li>Copy of Certificate of Incorporation attested by Bangladesh High Commission</li>
<li>Copy of Memorandum Article of Association attested by Bangladesh High Commission</li>
<li>Certified copy of up-to-date list of directors from relevant registration authority in country of origin attested by Bangladesh High Commission.</li>
</ul>
</div>
<div id="Other" class="v_tabcontent">
<p class="special_spacing">* Convertible Taka Account for Foreign Nationals/Organizations.</p>
<p class="special_spacing">* Non–Convertible Taka A/C Foreign Nationals/Organizations</p>
<p class="special_spacing">* Temporary Non-resident Taka Account (TNRTA):</p>
<p class="special_spacing">* Foreign National's Taka Account</p>
<p class="special_spacing">* Account for Branch officers, Liaison offices & Representative Officers of a Foreign Company</p>
<p class="special_spacing">* Account for NGO Registered in Abroad</p>
</div>
</div>
</div>