Mudarba Investment Deposit — Abu Dhabi Islamic Bank Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Islamic

Mudarba Investment Deposit

Abu Dhabi Islamic Bank Egypt · Deposits · Islamic · Egyptian Pound · 3.0 · Monday 31 August 2026 - 08:38 AM

Mudaraba deposits are an excellent choice if you are looking for a Sharia-compliant investment with flexible short-term liquidity.

Expected annual profit
6.55%
Term
1 yr
Min. deposit
EGP 3,000
Payout
At maturity

Returns

Rate type
Fixed
Payout
At Maturity
Yield by payout
At maturity
Rate tiers
  1. ≥ EGP 3,000 1 mo
    2.05%
  2. ≥ EGP 3,000 2 mo
    5.05%
  3. ≥ EGP 3,000 3 mo
    5.6%
  4. ≥ EGP 3,000 6 mo
    5.8%
  5. ≥ EGP 3,000 1 yr
    6.55%

Amount & term

Deposit type
Islamic Investment
Term
1 yr
Min deposit
EGP 3,000
Negotiable
No

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal rate type
Prevailing
Usable as collateral
No
Available online
Yes
Branch visit required
Yes

Do the maths

Mudarba Investment Deposit

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

Our take 3.0

3.0 Banky rating

Pros

  • It complies with the principles and provisions of Islamic Sharia.
  • Ability to withdraw profits via ATMs 24 hours a day, 7 days a week.
  • Possibility of redeeming the Mudaraba value based on the early redemption schedule.
  • Flexible terms are available for short and medium durations (1, 2, 3, 6, or 12 months).

Cons

  • Expected, not guaranteed, return: Profits are not fixed at a final, specific amount and depend on actual investment results and the bank's performance.
  • Lower yield compared to certificates of deposit.

Our take

Mudaraba deposits are an excellent choice if you are seeking a Sharia-compliant investment with flexible, short-term liquidity (less than one year) that does not tie up capital for extended periods. However, if your goal is to achieve the highest possible return and consistent financial stability over several years, long-term certificates and Sukuk, or savings accounts offering periodic returns, may be more suitable alternatives. Mudaraba is a profit-sharing arrangement between the capital provider (*Rabb al-Mal*) and the *Mudarib* (manager); the capital provider receives a share of the profit in exchange for the capital, while the *Mudarib* receives a share in exchange for their labor or management.

Mudaraba deposits are an excellent choice if you are looking for a Sharia-compliant investment with flexible short-term liquidity.

Compare

Alternatives at a glance
Mudarba Investment Deposit Abu Dhabi Islamic Bank Egypt This one EGP - Wekala Investment Deposit Abu Dhabi Islamic Bank Egypt Wekala Floating Abu Dhabi Islamic Bank Egypt
Expected annual profit
6.55% 5.55% – 6.05% Expected profit by payout11.5% – 12.5% Expected profit by payout
Term
1 yr 1 yr 1 yr
Min. deposit
EGP 3,000 EGP 3,000 EGP 3,000
Payout
At maturity Monthly 5.55% · At maturity 6.05% Monthly 11.5% · At maturity 12.5%
Compare with 2 similar deposits

Added Monday 31 August 2026 - 08:30 AM Updated Sunday 18 October 2026 - 11:19 AM