Invest Account

● Long-term investments start from SAR 50,000 with a minimum duration of three months.
● Short-term investments start from SAR 200,000 with a minimum duration of one month.
● Funds in this product are invested in a designated pool primarily composed of non-zakat assets, assets for which zakat has been paid by a third party, or a combination of both. As a result, this pool is not subject to zakat.
● Enjoy investment flexibility, with returns varying based on the investment amount and selected duration.
● Invest any working day with ease.
● Returns are calculated daily and paid at maturity—starting after one month for short-term investments and three months for long-term investments.
● Available for both Saudi citizens and residents.
● Invest in Nama Product using Saudi riyals through alinma’s digital channels and branches.
● Nama Product offers the option to invest in other currencies through alinma branches.

alinma invests the balances of investment accounts in revenue-generating investments that are stable in terms of fair value and cash flows. These balances are invested in one of the following pools:
● Retail Customers Investment Pool
This investment pool is primarily composed of non-zakat assets, assets for which zakat has been paid by a third party, or a combination of both. As a result, this pool is not subject to zakat.
● Sharia Decision 1398
● Corporate Customers Investment Pool
This investment pool is primarily composed of various revenue-generating assets, including alinma’s financings (excluding leased asset financings), Sukuk, and transactions with the Saudi Central Bank.
● FAQs

● A valid National ID or Residence Visa.
● Open a Current Account.

The anticipated annual profit rate is updated periodically and adjusts based on the subscription amount. Additionally, returns may vary depending on the investment period.

 

• Below is an example of the expected annual rate of return for a subscription period of one month or more (minimum subscription amount: Ʀ 200,000)

illustrative example
Investment Period (in Months)	Expected Annual Rate of Return (%)	Expected Annual Profit Amount for the Customer Ʀ
1	4.34 %	723.33
3	4.65 %	2,325
6	4.72%	4,720

 

The expected annual rate of return mentioned above is an indicative estimate only and is calculated based on an annual profit return, not a monthly one and does not constitute a guarantee of achieving the same return at the time of actual investment execution, as this rate is subject to daily fluctuation. To view the current expected annual rate of return, please check your account through the electronic channels. This illustrative example has been calculated based on a hypothetical investment amount of Ʀ 200,000.

 

• Below is an example of the expected annual rate of return for a subscription period of 3 month or more (minimum subscription amount:  Ʀ 50,000)

illustrative example
Investment Period (in Months)	Expected Annual Rate of Return (%)	Expected Annual Profit Amount for the Customer Ʀ
3	4.32 %	540
6	4.63 %	1,157.50
12	4.70 %	2,350

 

The expected annual rate of return mentioned above is an indicative estimate only and is calculated based on an annual profit return, not a monthly one and does not constitute a guarantee of achieving the same return at the time of actual investment execution, as this rate is subject to daily fluctuation. To view the current expected annual rate of return, please check your account through the electronic channels. This illustrative example has been calculated based on a hypothetical investment amount of Ʀ 50,000.

● alinma Internet.
● alinma App for Smart Devices.
● alinma Branches.