Tawarruq Deposit

Explore our Shariah-compliant investment opportunity offering enhanced liquidity and flexibility with profit potential. Take your pick from Money Markets or Fixed Deposit options to securely grow your funds and enjoy terms tailored to your needs. Rest assured, these deposits are structured to ensure ethical and transparent transactions, backed by tangible assets.

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TREASURY

Key Features

Product Type 

Islamic

Deposit Type 

  • Money Market
  • Fixed Deposit

Minimum Placement

RM500,000

RM50,000

Financing Tenure

  • Minimum: Overnight
  • Maximum: 60 months
  • Minimum: 1 month
  • Maximum: 60 months

Premature Withdrawal

No profit will be paid for premature withdrawal prior to the maturity

 

 

Shariah Concept

Our Tawarruq Deposit is structured under Fiqh al-Muamalat using the concept of Tawarruq, where real asset transactions replace interest. Learn more about Tawarruq Deposit here

Ethical and Trustworthy Finance

Fiqh al-Muamalat promotes honesty, fairness, and protects society by prohibiting interest, gambling, and uncertainty. It ensures responsible financial practices

Real-World Economic Impact

By linking transactions to real assets and genuine business activities, it supports economic stability and sustainable development

Practical for Today’s Financial Markets

Fiqh al-Muamalat continues to shape modern Islamic finance products such as Sukuk, Takaful, and Shariah-compliant investments, proving its flexibility and global relevance

Fixed Deposit Rates

Competitive rate

Kindly get in touch with our Bank Pembangunan Treasury Team for the rate table

Trading Fee for commodity transactions

Trading fee for commodity transactions is borne by Bank Pembangunan

Terms and Conditions

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* The final approval on the financing granted is subject to the Bank’s credit assessments and discretion.

Business Enquiry

Business Enquiry (Treasury)
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Frequently Asked Questions

Who is eligible for the Bank Pembangunan Fixed Deposit product?

All existing and new corporate customers are eligible, subject to a minimum placement of RM50,000.

What platforms are available for placing a fixed deposit with Bank Pembangunan?

For fixed deposit placements, please contact our Money Market and FX Sales team at 03-26151400 during business hours: Monday – Friday from 8:30pm – 5:30pm.

What hedging instruments are offered by Bank Pembangunan?

Bank Pembangunan offers 2 hedging instruments to eligible clients i.e. Foreign Exchange and Interest Rate Swap. These products are made available in Conventional and Islamic facilities.

How do I find out the FX pricing for an FX transaction?

FX pricing is determined through negotiation with our dealers. Please contact our Money Market and FX Sales team at 03-26151400 during the following business hours: Monday – Friday from 8:30am – 5:30pm.

Who should I contact for enquiries about Foreign Exchange or Interest Rate Swap credit lines?

For enquiries, please get in touch with:

Corporate Banking
Level 31, Menara Bank Pembangunan
Plaza Conlay, Jalan Conlay
50450 Kuala Lumpur
Email: enquiryobfsctd-529c4a@bpmb.com.my