DBH is considered to be one of the best-managed institutions in the finance sector of Bangladesh. DBH's recent award of the highest credit rating "AAA" (Triple A) for the 18th consecutive year is a unique record amongst the country's financial institutions. This achievement reaffirms our enduring commitment to provide the highest level of safety and security to our valued depositors.

DBH Islamic Financing Wing (IFW) is run under the brand name of DBH Islamic which provides Shari’ah-compliant Mudaraba Deposits and Islamic Financing services (i.e. Islamic Home Financing & Islamic Car Financing) since May 7, 2023 at all existing 14 Branches of DBH Finance PLC. The products & services of DBH Islamic are validated by the independent Shari’ah Supervisory Committee and Bangladesh Bank.

Credit rating is a published ranking of creditworthiness which indicates the ability of an organization to fulfill their financial commitments. An independent credit rating agency awards rating based on detailed analysis of financial statements of an organization, as well as, other relevant quantitative and qualitative information. The credit rating agencies are licensed and supervised by Bangladesh Securities and Exchange Commission as well as Bangladesh Bank.

Financial institutions rated "AAA" have extremely strong capacity to meet their financial commitments.These ratings reflect the company's good corporate governance, strong capital base, market leadership in the housing finance industry, long-standing track record of sound asset quality with lowest level of non-performing assets.

DBH's recent award of the highest credit rating "AAA"(Triple A) for the 19th consecutive year is a unique record amongst the country's financial institutions. Emerging Credit Rating Limited ( ECRL) has recently affirmed AAA long term credit rating and ST-1 short term credit rating to DBH Finance PLC.
 

Financial institutions rated "AAA" have extremely strong capacity to meet their financial commitments. By attaining AAA rating for the 18th consecutive year, we are one of the strongest and safest institutions in the country's financial sector. These ratings reflect the company's good corporate governance, strong capital base, market leadership in the housing finance industry, long-standing track record of sound asset quality with lowest level of non-performing assets.

Please click the link for the Mudaraba Deposit Profit/ISR  Download here

Cash deposit is not acceptable. Please issue an Account Payee Cheque in favor of "DBH Finance PLC" from your account to make Mudaraba Deposits with DBH Islamic.

Mudaraba Deposit shall be made by 'Account Payee cheque drawn in favor of "DBH Finance PLC". with duly filled in Application Form. Deposit cheque should be made from the depositor's bank account and repayment cheque will also be made on that account.

In case of premature encashment, the customer shall agree to receive lower portion of his/her agreed ISR ranging from 20% to 50% based on product type, tenure etc. or as per industry standard practice or as decided by DBH Management under intimation to customers as per product program guidelines (PPG) under DBH Mudaraba Deposit Schemes.

Yes, DBH Mudaraba Deposit will be automatically renewed with accrued profit from the date of maturity for further term at the then prevailing ISR as per the instructions of the depositors except DPS product.

The minimum period of DBH Mudaraba Deposit is 3 months. Deposit cannot be en-cashed within the 3 months as per rules of the Bangladesh Bank.

DBH Mudarba Deposits can be made in the name of minor through his/her legal guardian as per the Government policy. The legal guardian has to submit his/her photograph along with the photocopy of identification card like NID or Passport. 

The depositor(s) have to return the deposit certificate duly discharged to DBH Office to get the Repayment Cheque. If the deposit matures on a holiday, payment will be made on the next working day.

DBH Mudaraba Deposit is not transferable.

Return starts counting from the day of placing Form & Cheque to DBH office. In case of large deposit, deposit will be effective from Cheque clearing date.

Mudaraba Deposit shall be made by 'Account Payee Cheque' drawn in favor of "DBH Finance PLC" with duly filled in Application Form. Deposit cheque should be made from the depositor's bank account and repayment cheque will also be made in favour of that account.