Ruya Community Islamic Bank
Ajman
https://www.ruya.ae
Ruya Community Islamic Bank
Branches
ruya
Marsa Ajman - Building No. 4 - Liwara 1 - Ajman
Personal
Deposits
Minimum Deposit:
AED 5,000.00
Tenure:
30 - 2190 days
Interest Rate:
4%
Payment Frequency:
On Maturity
Early Withdrawal Penalty:
If withdrawn before 30 days, no profit is paid. If withdrawn after 30 days, profit is recalculated at a lower rate minus 1% adjustment.
Islamic Deposit:
Yes
Features:
Sharia-compliant deposit based on Wakala contract. Deposits are invested in Sharia-compliant activities with profit sharing.
Minimum Deposit:
AED 5,000.00
Tenure:
30 - 365 days
Interest Rate:
4%
Payment Frequency:
Quarterly, Paid After Maturity
Early Withdrawal Penalty:
If withdrawn before full tenure, profit is recalculated using the nearest completed tenure rate minus 1%.
Islamic Deposit:
Yes
Features:
Profit is distributed according to Ruya’s Mudarabah profit-sharing policy. Auto-renewal is available unless instructed otherwise.
Savings Accounts
Interest Rate
0.00% - 0.80%
Minimum Balance:
AED 0.00
Account Type
Savings
Open Online:
Yes
Interest Rate
0.00% - 1.20%
Minimum Balance:
AED 0.00
Account Type
Savings
Open Online:
Yes
Business
Business Current Accounts
Min. Avg. Balance:
AED 0.00
Monthly Fee:
AED 79.00
