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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 100 + 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 and ATM facilities
  • Global Access through VISA Debit Card & ATM Access
  • LOLC Real-Time Internet-Banking
  • 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 1st of July '24)
Customer
Company
1
Maturity
46
54
3
Monthly
45
55
Maturity
47
53
6
Monthly
45
55
Maturity
47
53
12
Monthly
47
53
Maturity
50
50
24
Monthly
47
53
Annually
51
49
Maturity
51
49
36
Monthly
47
53
Annually
54
46
Maturity
54
46
48
Monthly
47
53
Annually
56
44
Maturity
56
44
60
Monthly
47
53
Annually
58
42
Maturity
58
42

Mudharabah Savings


TYPEPSR
AL-FALAAH - GENERAL2575
AL-FALAAH - JUNIOR2773
AL-FALAAH - LADIES2773
AL-FALAAH - SENIOR2773

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 a passbook
  • Internet access via ‘LOLC Realtime’
  • International VISA Debit Card & ATM access island-wide
  • “FREE” ATM withdrawals & “FREE” Online Transfers
  • Higher Safety and Security
  • Higher profit returns on a monthly basis
  • Supervised by and under purview LOLC Al-Falaah
  • Widest reach with over 100+ dedicated Al-Falaah centres and LOLC Finance branches 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/-
30
70
6.48%
SLAB 3
Rs.15,000/- to 49,999/-
32.5
67.5
7.02%
SLAB 4
Rs.50,000/- to 99,999/-
35
65
7.56%
SLAB 5
Rs.100,000/- to 499,999/-
37.5
62.5
8.10%
SLAB 6
Rs.500,000/- and Above
40
60
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