House Hold Investment Scheme


To increase standard of living and quality of life of the fixed income group by extending them investment facilities to purchase household articles.

Target Group

Permanent Officials of Govt. / Semi-Govt. / Autonomous Body / Corporations / Banks & FIs / Defense Forces / Madrasah / School / College / University Teachers / Businessmen / House owners of Metropolitan & other District Head Quarters / Professionals (Doctors / Engineers / Lawyers etc.) / Existing clients / Wage Earners / University / Medical Students / Officials of renowned Private Firms.

Nature of Goods / Items

Electronics & electrical goods, Motor cycle / Bi-cycle, Furniture / Fixtures, Ornaments, Instruments / Equipments for Medical & Engineering students etc.

Mode of Investment

Bai-Muajjal / HPSM (item wise).

Period of Investment

Maximum 3-years

Rate of Return

16.00% or rate to be determined by the Bank from time to time.

Amount of Investment

For All Metropolitan Cities Tk.0.30 million
For Districts & Municipalities Tk.0.20 million
Others Tk.0.10 million

Bank's Participation

30% or as per Guideline of Bangladesh Bank.

Age of Clients

Service holders : 3-yrs unexpired service
Other than service holders : Minimum 27-years & Maximum 65 years
Students : Minimum 18-years


Hyp. on HDS Goods + PG + Spouse / Guardian Guarantee + Employer Certificate / Marking lien on MSS / MTDR (if applicable).

How to Apply

Application Form shall have to be collected from nearest Branch of Islami Bank Bangladesh Ltd.

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