Deposit And Savings Insurance Fund Of Tajikistan

Deposit And Savings Insurance Fund Of Tajikistan (www.dif.tj) was established to protect the savings of individuals and strengthen trust in the national banking system. The Fund guarantees repayment of deposits placed by individuals in member banks in the event of bank insolvency.

FINCA is a full member of the Deposit Guarantee Fund.

This means that all deposits of our clients are automatically protected according to the Law of the Republic of Tajikistan “On the Insurance of Individuals’ Deposits”.

Who Is Protected?

The guarantee applies to deposits of the following categories of depositors:

  • Citizens of the Republic of Tajikistan
  • Foreign citizens
  • Stateless persons
  • Individual entrepreneurs with deposits in their personal names
Volume of Guarantees

The Fund insures deposits up to the maximum compensation limit established by law.
As of today, the maximum amount guaranteed per depositor per bank is:

  • 35,000 TJS (or its equivalent in foreign currency).
  • Any amount exceeding this limit is not covered by the Fund.

How to Receive Compensation (Step-by-Step Guide)

  • 1
    Bank insolvency announcement: If a bank is declared insolvent, the Deposit And Savings Insurance Fund Of Tajikistan publishes an official notice.
  • 2
    List of insured depositors: The Fund compiles and approves the list of depositors eligible for compensation.
  • 3
    Notification: Deposit clients are informed via public announcements, bank branches, and the Fund’s website.
  • 4
    Application: The depositor must apply to the designated paying bank with an ID document.
  • 5
    Payment: The Fund transfers the guaranteed amount to the depositor within the legally defined timeframe.

Frequently Asked Questions

For more details, please visit the official website of the Deposit And Savings Insurance Fund Of Tajikistan: www.dif.tj

Last updated on: September 25, 2025

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