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  • Certificates are issued under the Mudaraba structure for tenors of 1 month, 3 months, 6 months, 1 year, 2 years, 3 years, 4 years, and 5 years.

  • Available through Allied Islamic Current and Saving Accounts.

  • Deposits are accepted for different periods as determined by the Bank from time to time.

  • Profit or loss is distributed on a Monthly, Quarterly, Half-Yearly, or at Maturity basis, subject to the Bank’s discretion.

  • Minimum investment amount: PKR 25,000 (in multiples thereof).

  • All deposits are invested strictly in Shariah-compliant avenues.

Upon maturity, the following options are available (subject to Bank approval):

  • Roll-over of both Principal and Profit

  • Profit encashment with Principal roll-over

  • Full encashment of Principal and Profit into the linked account

  • If encashed before maturity, the applicable weightage will be that of the nearest completed tenor.

    • Example: A 5-year certificate encashed after 1 year will apply the weightage of a 1-year certificate.

  • Profit will be calculated based on:

    • Completed years: Profit rates for completed tenors

    • Period beyond completed years: Latest declared rate of regular saving accounts

    • For tenors less than one year, the last declared regular savings account rate applies.

  • No premature encashment penalties or termination fees are charged.

  • Backed by the trust and expertise of Allied Bank

  • Fully Shariah-compliant investment vehicle

  • Suitable for personal and business Islamic financial planning

  • Transparent profit-sharing model with flexible terms

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