• DSA is opened in Pakistani Rupees.
• The account can be opened with Rs. 1,000.
• Profit is calculated on day-end balances (on a daily product basis) and payment is made on a monthly basis.
• Zakat and other levies are applicable as per governing laws.

DSA is an Investment-for-Profit account governed under the rules of Mudarabah (a form of partnership) with a vision to provide a bouquet of valuable services along with a return on the investment. Profit payout is made monthly.

DSA will be accepted on the basis of Mudarabah. The Bank is the Mudarib and the Investment Account Holders (IAHs)/depositors who are Rub ul Maal provide funds for investment to earn halal profit/benefit.

The funds deposited will be invested in an investment pool which will be managed by the Bank in the capacity as the Mudarib (managing partner). The IAH is eligible to share profit from his/her investment pool according to his/her deposit in a predetermined ratio adjusted by weightages assigned to each category of remunerative deposits. This is calculated on a calendar-month basis. The profit or loss declared by the Bank, as stipulated herein, shall be considered as final and binding on all the account holders.

The Bank in its capacity as the Mudarib will also be entitled to a share of the distributable profit. The Bank may also choose to invest its own funds. In this case, the Bank will share profit in addition to its share as the Mudarib.
Accordingly, the loss occurred in an investment pool will be shared between the IAHs and the Bank as per the ratio of their investments

DSA may be opened in the names of persons and bodies mentioned below upon being properly introduced in a manner prescribed by the Bank (provided that their income is not received from a Shariah-prohibited source):

• Individuals
• Sole Proprietorship concerns
• Partnership Firms
• Limited Companies (Private & Public)
• Clubs, Societies and Association
• Foreign Missions / Diplomats
• Agents Accounts
• Trust
• NGO / NPO’S / Charities
• Branch Office / Liaison Office of Foreign Companies
• Executors and Administrators
• Government, provincial/local government and armed forces (including allied accounts) Here Is What You Further Receive For Free*:
• Fund transfers within Bank Makramah Limited via ATM, web and branch network
• Issuance of pay orders
• Internet banking facility
• E-statements of accounts
• Value-added services

For Further Details:
Please visit your nearest BML Islamic banking branch or dial 021-111-124-365