Eltanmia certificate — The Industrial Development Bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Eltanmia certificate

The Industrial Development Bank · Certificates · Egyptian Pound · 3.7 · Monday 24 August 2026 - 05:20 PM

A 5-year variable certificate offering high long-term yields and strong leverage, limited by a long lock-in horizon.

Current yield · variable
20% – 20.25%
Term
5 yrs
Min. deposit
EGP 500
Payout
Monthly 20% · Quarterly 20.25%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term

Not for you if

  • I want a predictable return
    • The return is variable
  • Keep my money reachable
    • Longer lock-in

All of this is measured against products of 37–60 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Floating
Payout
Multiple
Yield by payout
Monthly 20% · Quarterly 20.25%
Rate tiers
  1. Any amount Compounded monthly
    20%
  2. Any amount Compounded quarterly
    20.25%

Amount & term

Term
5 yrs
Min deposit
EGP 500

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
1802%خلال الستة أشهر المكملة للسنة الأولى
3651.75%خلال السنة الثانية
7301%خلال السنة الثالثة

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Eltanmia 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 3.7

3.7 Banky rating

Pros

  • Accessible minimum purchase amount (EGP 500) with a generous 95% loan-to-value ratio.

Cons

  • Long-term yield risk if Central Bank monetary policy shifts toward rate reductions.

Our take

Offering a 5-year tenure, this certificate yields 20% monthly or 20.25% quarterly, starting from EGP 500. Interest calculates from the next working day, featuring a mandatory 6-month redemption hold and tiered early termination penalties ranging from 2% down to 1% in later years.

A 5-year variable certificate offering high long-term yields and strong leverage, limited by a long lock-in horizon.

Compare

Alternatives at a glance
Eltanmia certificate The Industrial Development Bank This one saib prime certificate saib bank infinity certificate SUEZ CANAL BANK Variable certificate QNB EGYPT
Current yield · variable
20% – 20.25% 20% – 20.5% 20% Current annual yield · variable20% – 20.5%
Term
5 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 500 EGP 1,000 EGP 5M EGP 1,000
Payout
Monthly 20% · Quarterly 20.25% Daily 20% · Monthly 20.5% Daily Monthly 20.5% · Quarterly 20%
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 01:13 PM Updated Friday 30 October 2026 - 01:40 PM