Mudharabah Profit Distribution Calculator

Calculate your profit distribution from Mudharabah-based Islamic savings or investment accounts in Malaysia.

How It Works

The bank pools your funds with other depositors and invests them in Shariah-compliant assets. When profits are realized, they are distributed according to the PSR. The actual profit declared may differ from the indicative rate shown.

Key Benefits

Compare PSR: Different banks offer different profit sharing ratios. Use this tool to compare your effective net return across offers.

Frequently Asked Questions

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

Mudharabah is an Islamic profit-sharing arrangement. One party (Rabb-ul-Maal) provides capital, while the other (Mudarib, usually the bank) provides expertise and management. Profits are shared per a pre-agreed ratio, while capital losses are borne by the investor.

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Murabahah has a fixed, pre-agreed profit rate (like a cost-plus sale). Mudharabah is variable — your actual profit depends on the bank's realized investment returns, which are then shared with you. Mudharabah accounts may declare lower or higher profit than indicated.

The PSR determines how the total profits are split between the investor and the bank. A PSR of 70:30 means for every RM100 of profit earned, RM70 goes to you and RM30 stays with the bank as its Mudarib fee.

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