Alternate Financial Services

Ethical and participatory financial solutions designed around your needs.

Mudharabah

Our products are based on the principle of profit-sharing. Al-Falaah ensures that each investment is handled within the principles of Islamic economic guidelines and is designed to suit the requirements of our valued customers.

Mudharabah Investments

Mudharabah Investments is a profit-sharing agreement between two parties—the investor and entrepreneur. The better the performance of the business, the higher the profit payable to you.

Choice of investment options ranging from 1 month to 60 months
Monthly, annual or at-maturity profit return options
Access through the LOLC Finance branch network

Mudharabah Savings Account

A convenient savings account with easy access through our branch and ATM network.

Fully integrated savings account with passbook
Global access through VISA Debit Card and ATM access
Unlimited withdrawals and deposits
Competitive monthly profit returns

General Rates

Month	Category	Proposed PSR (w.e.f. Oct'25 / Memo approved date)
		Customer	Company
1	Maturity	36	64
2	Growth	24	76
3	Innovation	18	82
4	Development	30	70
5	Stability	48	52
6	Transformation	22	78
7	Sustainability	40	60
8	Performance	35	65
9	Engagement	27	73
10	Adaptability	29	71
11	Vision	33	67
12	Collaboration	37	63
13	Efficiency	31	69
14	Quality	20	80
15	Agility	34	66
16	Strategy	28	72

Digital / Ladies

Month	Category	Proposed PSR (w.e.f. Oct'25 / Memo approved date)
		Customer	Company
1	Maturity	36	64
2	Growth	24	76
3	Innovation	18	82
4	Development	30	70
5	Stability	48	52
6	Transformation	22	78
7	Sustainability	40	60
8	Performance	35	65
9	Engagement	27	73
10	Adaptability	29	71
11	Vision	33	67
12	Collaboration	37	63
13	Efficiency	31	69
14	Quality	20	80
15	Agility	34	66
16	Strategy	28	72

Senior Citizen

Month	Category	Proposed PSR (w.e.f. Oct'25 / Memo approved date)
		Customer	Company
1	Maturity	36	64
2	Growth	24	76
3	Innovation	18	82
4	Development	30	70
5	Stability	48	52
6	Transformation	22	78
7	Sustainability	40	60
8	Performance	35	65
9	Engagement	27	73
10	Adaptability	29	71
11	Vision	33	67
12	Collaboration	37	63
13	Efficiency	31	69
14	Quality	20	80
15	Agility	34	66
16	Strategy	28	72

Mudharabah Savings

Type	PSR
Al-Falaah - General	24	76
Al-Falaah - Junior	26	74
Al-Falaah - Ladies	26	74
Al-Falaah - Senior	28	72

Mudharabah Super Saver

Mudharabah Super Saver gives you the exceptional benefit of a Super bonus for the money that you save.

Unlimited withdrawals and deposits
Fully integrated savings account with passbook
Online transfer and internet access
Access through VISA Debit Card and ATM access

Minimum Investment: Rs. 15,000/-

Mudharabah Super Savings

MSS Slabs	PSR
Below Rs. 2,500/-	-	100
Rs. 2,500/- to 14,999/-	26	74
Rs. 15,000/- to 49,999/-	30	70
Rs. 50,000/- to 99,999/-	33	67
Rs. 100,000/- to 499,999/-	35	65
Rs. 500,000/- and Above	37	63

The above PSR is within the Finance Business Act No. 42 of 2011 and applicable regulatory directions.

*Conditions apply