Ekhtyarak certificate — The Industrial Development Bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Ekhtyarak certificate

The Industrial Development Bank · Certificates · Egyptian Pound · 4.1 · Monday 24 August 2026 - 05:24 PM

A 3-year fixed-rate certificate guaranteeing return stability with flexible monthly or quarterly payout options.

Yield by payout
18% – 18.25%
Term
3 yrs
Min. deposit
EGP 5,000
Payout
Monthly 18% · Quarterly 18.25%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Several payout options

Not for you if

  • Grow my savings the most
    • Yield higher than average for this term

All of this is measured against products of 25–36 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Multiple
Yield by payout
Monthly 18% · Quarterly 18.25%
Rate tiers
  1. Any amount Compounded monthly
    18%
  2. Any amount Compounded quarterly
    18.25%

Amount & term

Term
3 yrs
Min deposit
EGP 5,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1806%خلال السنة الثالثة
3658%من الشهر السابع وحتى نهاية السنة الأولى
7307%خلال السنة الثانية

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Ekhtyarak certificate

Compute the total return and profit on a savings certificate, by payout.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.1

4.1 Banky rating

Pros

  • Guaranteed, fixed returns throughout 3 years (18% monthly / 18.25% quarterly) safe from market drops.
  • High credit capability allowing loans up to 95% of the certificate's principal.

Our take

"Ekhtyarak" certificate guarantees predictable cash flow for 3 years, yielding 18% monthly or 18.25% quarterly. Requiring an EGP 5,000 minimum investment, interest starts accruing the next business day, with redemption allowed after 6 months under standard penalty rules.

A 3-year fixed-rate certificate guaranteeing return stability with flexible monthly or quarterly payout options.

Compare

Alternatives at a glance
Ekhtyarak certificate The Industrial Development Bank This one Premium Certificate CIB Egypt Elite Star Certificate SUEZ CANAL BANK Prestige Certificate Credit Agricole Egypt
Yield by payout
18% – 18.25% 18% Annual yield18% Annual yield18% Annual yield
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 5,000 EGP 50K EGP 100K EGP 400K
Payout
Monthly 18% · Quarterly 18.25% Monthly Monthly Monthly
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 01:00 PM Updated Wednesday 26 August 2026 - 10:10 PM