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Term investment within the unrestricted profit sharing principle (Mudharabah Muthlaqah)




Flexible term



Save and secured funds, managed within the sharia principles.

Di mana-mana


Competitive profit sharing

BSM Deposit

Definite term investment in rupiah that is managed within the unrestricted profit sharing principle (Mudharabah Muthlaqah) for individuals and non-individuals.

Features & Fees:

  • Flexible term: 1, 3, 6 and 12 months
  • Withdrawn at maturity
  • Minimum initial deposit: Rp2,000,000
  • A stamp duty: Rp6,000
  • Withdrawal Fee: Rp30,000/account


  • Save and secured funds
  • Fund management is within the sharia principles
  • Competitive profit sharing
  • Allowed to act as collateral for financing
  • Automatic Roll Over (ARO) facility is available


What are the requirements?

  • Individuals:
    • Customer’s ID Card/Passport
  • Companies:
    • ID Card/Passport of the Management or authorized officer(s)
    • Company’s Deed of Establishment and Deed of Amendment along with their Validation
    • Articles of Association of the Company
    • Trading License, Registration Number/business licenses from the competent agencies, Taxpayer ID, Certificate of Domicile
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