Term deposit profitable

Maximum income on savings – up to 16%

Our high-rate deposit is designed to help you grow your savings even more.

Competitive interest rates for instant growth

Benefit from high interest rates and enhance the overall value of your deposit.

What is special for you:
  • Attractive Rates
    Enjoy high interest rates and a steady income through monthly accrued interest.
  • Accessible Account
    Open an account with ease, requiring only 500 TJS to initiate your journey towards financial growth and stability.
  • State-Insured
    Rest assured with the security of state-insured deposits, backed by the state Deposit Insurance Fund to safeguard your financial assets.

  • Interest rates:

    • For individuals and legal entities in Somoni:
      • from 3 to 7 months — 12%
      • from 7 to 12 months — 14%
      • from 13 to 18 months — 16%
      • from 19 to 24 months — 16%
    • For individuals and legal entities in US Dollars:
      • from 3 to 7 months — 3%
      • from 7 to 12 months — 4%
      • from 13 to 18 months — 5%
      • from 19 to 24 months — 5.5%

    In case of early termination of the deposit, interest is recalculated using reduced coefficients.

Seamless account opening: your path to more profits

Easily qualify and open an account by completing a simple online application, ensuring a straightforward process.

Benefits you should expect:

  • More income
    To get more income, the highest deposit amount is recommended.

  • Flexible Saving Period
    Enjoy flexibility with a saving period ranging up to 24 months, allowing you to tailor your deposit to your financial goals and timeline.

  • Maximized Returns
    All interests are capitalized, maximizing your returns, and contributing to the growth of your savings.

Deposit Calculator

Calculate

* The following calculation is informative and may change slightly.

Unlock the deposit ”Profitable” in 4 easy steps

Watch your money work for you and enjoy the benefits of Term Deposit ”Profitable”

  • 1

    Complete the online application form.

  • 2

    Expect a call from our call-center operator to verify your identity and schedule a branch visit.

  • 3

    Visit our branch at the scheduled time with your passport.

  • 4

    Sign the contract and make the initial deposit.

Start your application

Applying is a straightforward and convenient process


 

Helpful Information

Frequently Asked Questions

The Term Deposit ”Profitable” is a financial product specifically designed for everyone who wants to increase their income through savings. The “Profitable” deposit has the highest interest rate among all deposit products of FINCA Tajikistan.

This product is available to citizens of Tajikistan, who want to increase their income and make savings.

Visit any of our branches or register online through our website. Our friendly staff will be happy to assist you with the process.

You will need a valid identification document (ID), proof of address, and the deposit amount.

There may be minimal fees associated with certain transactions, such as withdrawals or account closures. Please refer to the product terms and conditions for details.

Yes, you can withdraw your deposit before the maturity date. However, please note that in such cases, the interest will be recalculated at a rate of 1.5% from the total amount.

You only need to provide your passport and Taxpayer Identification Number (TIN).

Formula for calculating deposits:

I = P * i * n/T

Where:

I is the amount of interest for n days;
P is the amount of the deposit (principal amount) on which interest is accrued;
i is the interest rate (rounded to two decimal places) according to the terms of the agreement;
n is the number of days for which interest on the deposit is accrued;
T is the number of days in a year (360 days).

Interest on deposits is paid in the following order:

  • Monthly;
  • on the day of return of the deposit (after the end of the deposit placement period);
  • withdrawal of the deposit or part of the deposit on the day before the established term (based on the application to the client for return of the deposit, part of the deposit).

Payment of accrued interest on the deposit is made in the manner and within the timeframes established by the Agreement, and may be made:
a) non-cash transfer of the deposit amount and accrued interest to the Client’s savings, card or current account opened with FINCA LLC.
b) if the day of interest payment falls on a non-working day, the interest payment falls on the first working day after the day of sale.

Last updated on: March 30, 2026

We are always happy to talk!

Request a callback.