Commodity Murabahah ROI Calculator

Calculate the expected profit and maturity value for Islamic Fixed Deposits (Term Deposit-i) based on the Commodity Murabahah concept in Malaysia.

Islamic Deposit Structure

1. Fixed Profit Rate

The profit rate is agreed and locked in at the start. Your return is 100% predictable, unlike equity markets or profit-sharing deposits.

2. PIAD Coverage

Term Deposit-i principal is covered under the Malaysia Deposit Insurance Corporation (PIDM) for up to RM250,000 per depositor per member institution.

Key Benefits

Compare Banks: Use this tool to compare profit rates across different Malaysian Islamic banks and find the best TD-i rate for your placement amount and tenure.

Frequently Asked Questions

Get answers to common questions about using our professional trading tools.

Commodity Murabahah is an Islamic financial contract used widely by Malaysian banks for Term Deposit-i. A bank purchases a commodity (e.g., crude palm oil) on your behalf, then sells it back to you at a marked-up price payable at maturity. This cost-plus structure replaces conventional interest.

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A conventional FD pays interest, which is prohibited under Shariah law. Murabahah replaces the interest with a pre-agreed profit margin on a genuine commodity sale, making it fully Shariah-compliant while delivering a comparable, predictable return.

Yes. Unlike Mudharabah (profit-sharing) deposits where returns can vary, the profit rate for Commodity Murabahah Term Deposit-i is agreed upfront and is fixed for the entire tenure.

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