Introduction
Looking to grow your savings with zero risk and halal profit?
Ruya Community Islamic Bank offers Investment Deposits that give you up to 4% profit per year, based on Islamic finance (Mudaraba). Whether you’re saving for a big purchase or just parking idle money — this account is made for smart savers in the UAE.
Key Features
- 🧾 No hidden fees, just pure investment and clean returns
- 🗓️ Flexible Tenure – Choose from 1 month, 3 months, 6 months, or 12 months
- 💸 Profit up to 4% per annum – paid at maturity
- 📱 Digital Management – Open and manage directly through the Ruya App
- 🧕 Shariah-Compliant – Approved by Internal Shari’ah Supervision Committee
- 🏦 Deposit Amount Range – from AED 5,000 to AED 5,000,000
Expected Profit Rates (per annum)
| Tenure | Profit Rate |
|---|---|
| 1 Month | 3.90% p.a. |
| 3 Months | 4.00% p.a. |
| 6 Months | 3.75% p.a. |
| 12 Months | 3.50% p.a. |
💡 Profits are paid at the end of the deposit period (maturity).
Required Documents
To open your Investment Deposit Account, you need:
- ✅ Emirates ID (for UAE nationals and residents)
- ✅ Valid mobile number
- ✅ Active Ruya account (openable via app)
- ✅ AED 5,000 or more for deposit
How to Apply
- Download Ruya App – from Google Play or App Store
- Register/Login
- Choose “Investment Deposits” from the menu
- Enter your deposit amount and choose the tenure
- Confirm and submit. Done!
- Your profit will be calculated and shown in the app.
Why Choose Ruya Investment Deposits?
- 🟢 Fully managed online — no branch visit needed
- 🟢 One of the highest Islamic profit rates in UAE
- 🟢 Backed by trusted, ethical Mudaraba structure
- 🟢 Transparent process with no hidden fees
- 🟢 Ideal for both short-term and long-term savers
Final Verdict
If you’re looking for safe, Shariah-compliant, and high-return savings, Ruya Bank’s Investment Deposits are an excellent choice in 2025. Whether it’s for 1 month or a full year, you can earn up to 4% per annum with full peace of mind.
- ✅ Minimum deposit just AED 5,000
- ✅ 100% online setup
- ✅ Fully transparent and secure
Sources:
🔗 Ruya Bank – Investment Deposits (Official Page):
https://ruyabank.ae/personal-banking/investment-deposits
🔗 Ruya Bank – Wakala Deposits (Shari’ah-compliant page):
https://ruyabank.ae/wakala-deposit
🔗 Masarif UAE – Ruya Investment Deposit Summary (Third-party info):
https://masarif.ae/deposits/ruya-community-islamic-bank-term-investment-deposit
