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Mudharabah

Our products are based on the principle of profit-sharing. Al-Falaah ensures that each and every 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 (Al-Falaah). The better the performance of the business, the higher the profit payable to you – shared between the investor and entrepreneur on a pre-determined ratio agreed by both parties.

  • Choice of investment options ranging from 1 month to 60 months term
  • Option of receiving profit returns on a monthly, annual or at-maturity basis
  • Profits can be paid to your Mudharabah Savings Account maintained with us or to another bank account as required by you
  • Access to 200 + LOLC Finance branches and dedicated Al-Falaah centres island-wide

Mudharabah Savings Account

An extension of Mudharabah, this unique savings account offers the convenience of easy savings, with an electronically updated passbook, which provides you access through any one of the company’s branches. An industry-first ATM card linked to the Maestro network, thereby enabling you to access your account via the international ATM network.

  • Fully-integrated Savings Account with Pass Book
  • Global Access through VISA Debit Card & ATM Access
  • FREE online transfer via and internet access via
  • Access to 600+ Commercial Bank ATM machines island wide
  • Unlimited withdrawals and deposits
  • Highest profit returns on a monthly basis
  • Supervised by industry leading scholars

GENERAL RATES

Month Category Proposed PSR (w.e.f. Oct'25 / Memo approved date)
Customer Company
1 Maturity 36 64
3 Monthly 37 63
Maturity 39 61
6 Monthly 38 62
Maturity 40 60
12 Monthly 40 60
Maturity 42 58
24 Monthly 42 58
Annually 44 56
Maturity 44 56
36 Monthly 42 58
Annually 44 56
Maturity 44 56
48 Monthly 42 58
Annually 46 54
Maturity 47 53
60 Monthly 42 58
Annually 49 51
Maturity 49 51

DIGITAL / LADIES

Month Category Proposed PSR (w.e.f. Sep'25 / Memo approved date)
Customer Company
1 Maturity 37 63
3 Monthly 38 62
Maturity 40 60
6 Monthly 39 61
Maturity 41 59
12 Monthly 41 59
Maturity 43 57
24 Monthly 43 57
Annually 45 55
Maturity 45 55
36 Monthly 43 57
Annually 45 55
Maturity 45 55
48 Monthly 43 57
Annually 47 53
Maturity 48 52
60 Monthly 43 57
Annually 50 50
Maturity 50 50

SENIOR CITIZEN

Month Category Proposed PSR (w.e.f. Sep'25 / Memo approved date)
Customer Company
1 Maturity 39 61
3 Monthly 40 60
Maturity 42 58
6 Monthly 41 59
Maturity 43 57
12 Monthly 43 57
Maturity 45 55
24 Monthly 45 55
Annually 47 53
Maturity 47 53
36 Monthly 45 55
Annually 47 53
Maturity 47 53
48 Monthly 45 55
Annually 49 51
Maturity 50 50
60 Monthly 45 55
Annually 52 48
Maturity 52 48

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.
Based on the principle of profit sharing your progressive savings discipline will be rewarded by us!

  • Unlimited withdrawals and deposits
  • Fully-integrated savings account with passbook
  • FREE online transfer via and internet access via
  • Global Access through VISA Debit Card & ATM access
  • Higher Safety and Security
  • Higher profit returns on a monthly basis
  • Supervised by industry leading scholars
  • Access to 200+ LOLC Finance branches and dedicated Al-Falaah centres island-wide


Minimum Investment     : Rs. 15,000/-

MUDHARABAH SUPER SAVINGS
SLABS AF-MSS BALANCE PSR TO INVESTOR
 PSR TO COMPANY ESTIMATED RETURNS
SLAB 1
 Below Rs. 2,500/-
0
 100
 0%
SLAB 2
 Rs. 2,500/- to 14,999/-
22
 78
 5.21%
SLAB 3
 Rs.15,000/- to 49,999/-
24
 76
 5.69%
SLAB 4
 Rs.50,000/- to 99,999/-
26
 74
 6.16%
SLAB 5
 Rs.100,000/- to 499,999/-
28
 72
 6.64%
SLAB 6
 Rs.500,000/- and Above
30
 70
 7.11%

The above PSR are within the Finance Business Act No. 42 of 2011 (Amendments to the Maximum Interest Rates on Deposit and Debt Instrument) Direction No. 04 of 2020, issued by the Central Bank of Sri Lanka.

*Conditions Apply