BankIslami Savings Certificates & Mutual Funds
How BankIslami's Amdani Certificate works, its mutual fund offerings, and where to check BIPL's live share price.
- Amdani Certificate
- BankIslami Mutual Funds
- PSX: BIPL
The BankIslami Amdani Certificate is a fixed-tenor term deposit certificate, including a 1-Year TDR option, that pays profit under the same Mudarabah profit-sharing model as the bank's other deposit products rather than a guaranteed interest coupon.
Amdani Certificate at a Glance
- Product Type
- Term deposit certificate
- Basis
- Mudarabah profit-sharing
- Tenor Example
- 1-Year TDR
Confirmed from BankIslami's official Amdani Certificate product page, which lists a 1 Year TDR variant.
Like other profit-bearing deposits, Amdani Certificate profit is subject to Zakat (2.5%, unless a CZ-50 exemption is on file) and withholding tax under Section 151 (20% for filers, 40% for non-filers). See the Zakat & Withholding Tax section on our Account Opening & Rates page for the full breakdown.
Amdani Certificate Maturity Calculator
Estimate what a fixed-tenor Amdani Certificate / Term Deposit pays at maturity, using BankIslami's own declared TDR profit rates. Choose a tenor and enter your deposit amount; the rate shown is the profit-at-maturity rate BankIslami declared for the lowest published balance tier for that tenor as of May 2026 — your own rate depends on your certificate's exact amount tier, so confirm the current figure with BankIslami before booking.
Rates sourced from BankIslami's official "Declared Rates (PKR-FCY)" circular, TDR Pool Profit Payment At Maturity table, for May 2026, at the lowest published balance tier for each tenor. These change monthly and vary by exact deposit amount — this is an illustrative estimate only, not a BankIslami quotation. Assumes simple profit for the full tenor at the rate shown; withholding tax per Section 151 of the Income Tax Ordinance, 2001.
BankIslami Mutual Funds
Separately from its own deposit products, BankIslami's official site also lists Mutual Funds within its Consumer Banking menu, giving customers access to Shariah-compliant collective investment schemes distributed through the bank. Fund names, risk categories, and past returns change over time and are managed by the underlying asset management company rather than BankIslami itself, so check the current fund fact sheets directly through BankIslami's Mutual Funds page before investing.
Checking BIPL's Share Price
BankIslami's own stock performance, as distinct from a savings certificate or mutual fund, trades separately on the Pakistan Stock Exchange under the ticker BIPL — see the Share Price page on this site for where to check it live.
Frequently Asked Questions
What is a Bank Islami saving certificate?
The BankIslami Amdani Certificate is a fixed-tenor term deposit certificate, including a 1-Year TDR option, paying profit under the same Mudarabah profit-sharing model as the bank's other deposit products rather than a guaranteed interest coupon.
Does BankIslami offer mutual funds?
Yes, BankIslami's official site lists Mutual Funds within its Consumer Banking menu, giving access to Shariah-compliant collective investment schemes managed by the underlying asset management company rather than BankIslami itself.
Is a BankIslami savings certificate the same as BIPL stock?
No. An Amdani Certificate is a deposit product; BankIslami's own company stock trades separately on the Pakistan Stock Exchange under the ticker BIPL.
How much does an Amdani Certificate pay at maturity?
It depends on the tenor and your deposit's balance tier. As of BankIslami's May 2026 declared rates, the 1-Year tenor paid 5.3312% p.a. at the lowest published tier; use the calculator on this page for an illustrative estimate, and confirm the current rate directly with BankIslami before booking.
Good For
- Understanding what an Amdani Certificate actually pays
- Knowing BankIslami offers mutual funds separately from its own deposits
- Distinguishing a savings certificate from BIPL company stock
- Finding the right official page before investing
More on BankIslami
Bank Overview
History, leadership, ownership, and key facts.
Account Opening & Rates
Deposit accounts and profit rates.
Helpline & Complaints
Contact numbers and escalation path.
Branch & ATM Locator
Network size and official locator.
Related Banks
For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, SECP.