Plan Your Hajj Funds Easily and Systematically

Taharoh iB Savings

Plan Your Hajj Funds Easily and Systematically

A dedicated savings account designed to help you prepare for your Hajj and Umrah pilgrimage.

Prepare for Hajj and Umrah with Taharoh iB Bank Jakarta

Well-Planned Savings with Auto-Debit Feature

An individual savings account designed to help customers plan their Hajj and Umrah funds through a regular deposit auto-debit facility.

Based on Sharia Principles

Offers a choice of Mudharabah Mutlaqah and Wadiah contracts, with competitive profit-sharing for the Mudharabah contract. The profit-sharing earned may also be used for zakat payments.

Deposit and Balance Requirements

An initial deposit of IDR 100,000, a minimum balance of IDR 100,000, and subsequent minimum deposits of IDR 100,000 apply to both Wadiah and Mudharabah Mutlaqah contracts. The Hajj quota deposit is IDR 25,000,000 in accordance with the regulations of the Ministry of Religious Affairs of the Republic of Indonesia.

Profit-Sharing Ratio, Fees, and Simulation

Average Balance

Customer Ratio:: 1.00%1.00%
Bank Ratio:: 99.00%99.00%

Average Balance	Customer Ratio	Bank Ratio
Up to 1 millionUp to 1 million	1.00%1.00%	99.00%99.00%
> IDR 1 million - ≤ IDR 10 million> IDR 1 million - ≤ IDR 10 million	3.57%3.57%	96.43%96.43%
> IDR 10 million - ≤ IDR 500 million> IDR 10 million - ≤ IDR 500 million	7.15%7.15%	92.85%92.85%
> IDR 500 million - ≤ IDR 1 billion> IDR 500 million - ≤ IDR 1 billion	14.29%14.29%	85.71%85.71%
> IDR 1 billion - ≤ IDR 5 billion> IDR 1 billion - ≤ IDR 5 billion	23.58%23.58%	76.42%76.42%
> IDR 5 billion> IDR 5 billion	25.01%25.01%	74.99%74.99%

*The Bank may provide bonuses at its discretion and is not permitted to promise bonuses to customers.

Account Opening Requirements and Terms

1

Identity documents in the form of ID Card (KTP) and Tax Identification Number (NPWP) of the account holder.

2

The application form must be completed at a branch office.

3

Make the initial deposit in accordance with the applicable requirements.

4

Activate the auto-debit facility if required.

5

The account is ready to be used for Hajj and Umrah financial planning.

Other Information

Benefits, Risks, and Other Information

A Sharia-compliant savings account designed for individual customers to plan for Hajj and Umrah expenses, equipped with an auto-debit feature. The account may also be used for zakat payments through the profit-sharing returns earned.
The profit-sharing ratio (nisbah) and indicative returns may change in accordance with the Bank's policies, market conditions, Bank Indonesia (BI), and Indonesia Deposit Insurance Corporation (LPS) regulations. Changes in the nisbah may affect the amount of profit sharing received by customers.
This product complies with Sharia principles based on DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000.
Withdrawal and deposit procedures are subject to the regulations of Bank Jakarta's Sharia Business Unit. Account opening is free of stamp duty charges.
A 20% tax on profit-sharing returns applies to average balances above IDR 7,500,000 in accordance with applicable regulations.
Information regarding fees, benefits, and risks may change in accordance with applicable regulations.