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Mudharabah

Our products are based on the principle of profit-sharing. Al-Falaah ensures that each and every investment is handled within the principles of Islamic economic guidelines, and is designed to suit the requirements of our valued customers

Mudharabah Investments

Mudharabah Investments is a profit-sharing agreement between two parties – the investor and entrepreneur (Al-Falaah). The better the performance of the business, the higher the profit payable to you – shared between the investor and entrepreneur on a pre-determined ratio agreed by both parties.

  • Choice of investment options ranging from 1 month to 60 months term
  • Option of receiving profit returns on a monthly, annual or at-maturity basis
  • Profits can be paid to your Mudharabah Savings Account maintained with us or to another bank account as required by you
  • Access to 200 + LOLC Finance branches and dedicated Al-Falaah centres island-wide

Mudharabah Savings Account

An extension of Mudharabah, this unique savings account offers the convenience of easy savings, with an electronically updated passbook, which provides you access through any one of the company’s branches. An industry-first ATM card linked to the Maestro network, thereby enabling you to access your account via the international ATM network.

  • Fully-integrated Savings Account with Pass Book
  • Global Access through VISA Debit Card & ATM Access
  • FREE online transfer via and internet access via
  • Access to 600+ Commercial Bank ATM machines island wide
  • Unlimited withdrawals and deposits
  • Highest profit returns on a monthly basis
  • Supervised by industry leading scholars

General/ Ladies/ senior Citizen Rates

MonthCategoryProposed PSR (From 01 Apr'25)
Customer
Company
1
Maturity
30
70
3
Monthly
30
70
Maturity
33
67
6
Monthly
31
69
Maturity
33
67
12
Monthly
33
67
Maturity
36
64
24
Monthly
36
64
Annually
38
62
Maturity
38
62
36
Monthly
36
64
Annually
38
62
Maturity
38
62
48
Monthly
36
64
Annually
41
59
Maturity
41
59
60
Monthly
40
60
Annually
45
55
Maturity
45
55

Mudharabah Savings


TYPEPSR
AL-FALAAH - GENERAL2080
AL-FALAAH - JUNIOR2278
AL-FALAAH - LADIES2278
AL-FALAAH - SENIOR2278

Mudharabah Super Saver

“Mudharabah Super Saver” gives you the exceptional benefit of a “Super”bonus for the money that you save.
Based on the principle of profit sharing your progressive savings discipline will be rewarded by us!

  • Unlimited withdrawals and deposits
  • Fully-integrated savings account with passbook
  • FREE online transfer via and internet access via
  • Global Access through VISA Debit Card & ATM access
  • Higher Safety and Security
  • Higher profit returns on a monthly basis
  • Supervised by industry leading scholars
  • Access to 200+ LOLC Finance branches and dedicated Al-Falaah centres island-wide


Minimum Investment     : Rs. 15,000/-

MUDHARABAH SUPER SAVINGS
SLABS AF-MSS BALANCE 
PSR TO INVESTOR
PSR TO COMPANY
ESTIMATED RETURNS
SLAB 1
Below Rs. 2,500/-
0
100
0%
SLAB 2
Rs. 2,500/- to 14,999/-
28
72
6.48%
SLAB 3
Rs.15,000/- to 49,999/-
30
70
7.02%
SLAB 4
Rs.50,000/- to 99,999/-
32
68
7.56%
SLAB 5
Rs.100,000/- to 499,999/-
35
65
8.10%
SLAB 6
Rs.500,000/- and Above
38
62
8.64%

The above PSR are within the Finance Business Act No. 42 of 2011 (Amendments to the Maximum Interest Rates on Deposit and Debt Instrument) Direction No. 04 of 2020, issued by the Central Bank of Sri Lanka.

*Conditions Apply