Smart Ways to Maximize Profit Sharing with the CASATD Bundling 2025 Program

Even with so many new investment options available today, time deposits remain a favorite choice for many Indonesians seeking safety and stable returns. According to Indonesia’s Central Bureau of Statistics (BPS), the average annual interest rate for term deposits at commercial banks is around 4.4–4.6%. While this figure remains relatively steady, the overall interest rate trend continues to decline, following Bank Indonesia’s policy to maintain economic stability.

In line with that, the LPS has reduced its deposit insurance rate to 3.50% per year, effective October 2025. This means the opportunity to earn higher returns from conventional deposits is becoming increasingly limited.

To help customers optimize their returns, Bank Muamalat introduces the CASATD Bundling 2025 program, a smart way to enjoy higher profit sharing through a combination of savings or current accounts (CASA) and Deposito iB Hijrah. This program is ideal for customers who want to manage large funds efficiently, securely, and in accordance with sharia principles.

What Is CASATD Bundling 2025?

The CASATD Bundling 2025 Program is designed to offer special profit sharing of up to 6.25% per annum.

The concept is simple: customers place a minimum fresh fund of Rp100 million, then allocate it between a savings or current account and Deposito iB Hijrah.

Key Program Details:

Program Period: 4 September – 31 December 2025
Minimum Placement: Rp100 million (fresh fund only, not existing balance)
Deposit Tenure:

- September placements: 4–6 months

- October to December placements: 3–6 months
The bundled CASA account must be maintained (held) for the duration of the deposit tenure
Open for new customers and leads, both individual and business

The main goal of this program is to provide customers with competitive profit sharing while fostering a long-term, stable, and sharia-compliant financial relationship with Bank Muamalat.

Why You Should Consider This Program

Attractive Profit Sharing
With potential returns of up to 6.25% per year, this program offers a far more competitive yield than the average conventional deposit currently available in the market.

Safe and Sharia-Compliant
All transactions follow sharia contracts and are supervised by the Sharia Supervisory Board (DPS), ensuring that every profit is earned ethically, fairly, and transparently.

Ideal for Large Funds
With a minimum placement of Rp100 million, this program suits customers seeking to maximize their savings value without taking excessive risks.

Strengthened Relationship with the Bank
Since the CASA account must remain active during the deposit term, this program helps build a sustainable banking relationship between customers and Bank Muamalat.

Important Things to Note

Fresh funds are required. The funds must come from outside Bank Muamalat (not from an existing account).
Bundled CASA must be held throughout the deposit term. Early withdrawal may void the program benefits.
Deposit tenure varies by placement period (September (4–6 months), October to December (3–6 months)).
Limited-time offer. The program runs only until 31 December 2025.

Who Can Benefit from This Program?

Professionals or business owners with large funds seeking a safe and sharia-compliant investment vehicle.
New customers looking to start their banking relationship with a competitive sharia-based product.
Conservative investors who want to preserve the value of their funds amid declining interest rates, without venturing into riskier instruments like stocks or mutual funds.

A Smart Move Amid Declining Interest Rates

As deposit rates in the market continue to drop, finding a more rewarding yet safe alternative becomes essential.

The CASATD Bundling 2025 program from Bank Muamalat offers a smart solution that gives you the opportunity to earn up to 6.25% per annum while keeping your funds secure and aligned with Islamic financial principles.

Simply prepare a fresh fund of Rp100 million, choose your preferred savings or current account, and start earning optimized, halal returns.

For more information, contact SalaMuamalat 1500016 or visit the nearest Bank Muamalat branch.