Deposits and accounts

Income som.

Income doll.

Term

Amount

Maqsad

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Muhlatnok

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Dilkhoh vaqt

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Service

Currency

Settlement account

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Deposit Dilkhoh vaqt is available in two currencies: dollar and somoni. The income from the deposit will be shared between the client and the bank. The expected income from the deposit per year: — in somoni up to 17%; — in dollars up to 4%.Income is divided as follows: — in somoni 65% to 35% (65% of income goes to the customer and 35% to the bank); — in dollars 40% to 60% (40% of income goes to the client and 60% to the bank);Muhlatnok deposit: Annual income up to 7% We divide the income according to the equity principle: 50% to the client and 50% to Alif.Monthly income The income is accrued each month from 1 to 10 of the next month. For more information you can leave an application on this website. We will call and answer all your questions.

In what currencies can I open a deposit?

The minimum amount to open a deposit is 1 somoni.

What is the minimum amount to open a deposit?

You can open deposit Dilkhoh vaqt in somoni and replenish it in this currency: — through payment terminals with the deposit number; — through the bank transfer, giving deposit details to the sender's bank; — with Alif Mobi appl; — at Alif cash desks in cash.You can top up deposit Dilkhoh vaqt in dollars only in its currency: — via your bank account at online.alif.tj; ﻿— through the bank transfer, giving the deposit details to the sender's bank; — in cash at Alif's cash desks. You can replenish Muhlatnok deposit: — in somoni and dollars before the expiration of 6 months from the date of the initial deposit; — only in dollars on the expiration of 6 months from the date of the initial deposit.

How can I top up my deposit?

After cash replenishment to the account, there is also no commission applied when withdrawing money in somoni or dollars.In the case of cashless replenishment to the deposit account, there are some limitations. If you withdraw money in somoni within 30 days, the commission will be 0.9%. After 30 days, you can withdraw money without any commission.The same terms apply for withdrawing money in dollars, but in this case, there is a different time frame. If you withdraw money within 90 days, the commission is 0.9%, after 90 days: 0%.

What commission is applied when withdrawing money from a deposit through the cashier?

According to the requirements of tax legislation the bank as a tax agent is obliged to withhold 12% tax from deposit income(Articles 236 and 238 of the TC of the RT).Monthly 12% tax will be withheld from the income of the deposit, and the net profit will be available for withdrawal to Korti milli, Visa or alif mobi wallet, also the income can be received at the bank's cash desks.

What tax is charged from the deposit?

If you want to open a deposit in Alif, you can come with your passport to our nearest office to sign the agreement. The addresses are <a href="https://new.alif.tj/en/bank/contacts/offices">here</a>.

How do I open a deposit and where do I have to go?

When you take an installment and put the deposit as a collateral, your deposit still will receive income every month. And you can receive it after you repay the installment plan. However, you will be able to receive it after closing of the installment.

Will income be accrued on the frozen deposit?

Frequently asked questions

We are a member of the Deposits and Savings Insurance Fund of Tajikistan from 2016. We are annually inspected by auditing companies and regulatory authorities.