The most profitable deposits in banks of Uzbekistan 2018

Картинки по запросу проценты по вкладамThe most profitable sum deposits. February 2018

How to increase your capital with the help of bank deposits? We publish an overview of the most profitable proposals of domestic banks.

Recently, it has become possible to open a deposit without visiting the bank, through a mobile banking system for individuals. This innovation was introduced by the JSCB Hamkor Bank. The bank is ready to pay 19% per annum, if the client for 9 months will place on deposit more than 1 million soums. To use the online deposit, you need to be the owner of a plastic card of this bank.

Deposits from plastic cards today are offered by 21 out of 25 surveyed banks. This is significantly more than in May 2017, when we published the previous survey on deposits. At that time, only 14 banks had such offers.

The most profitable deposits from plastic cards are offered by JSCB “Hamkor Bank” and JSCB “InFinbank”, they are ready to pay clients 19% per annum.

Compared to the situation in May 2017, today no bank offers deposits with a rate of 20% or more per annum.

The highest interest rate on cash deposits is also 19% per annum. Currently, it is offered by JSCB Hamkor Bank, JSC Qishloq Qurilish Bank and JSC InFinbank.

24 out of 25 banks offer the client a choice of 5 or more deposits in the national currency, which differ in terms. Offers with the highest interest rates suggest that the client will receive 16-19% per annum. More detailed information on the most profitable offers in the context of banks we have resulted in the table published below.

We draw your attention to the fact that the table was compiled from the information of the head offices. Offers in branches and branches of banks may differ. For example, in some branches of the People Bank, they replied that the deposits are not accepted temporarily, since the unit is focused on the organization of payment of pensions. At the head office of JSCI “Ipak Yuli Bank” they reported on the temporary suspension of deposit operations, but they recommended that they apply to the bank’s branches.

Almost all banks pay interest in the same form in which the deposit is made. Interest is paid on a monthly basis and after the deposit term expires. On some deposits, another periodicity is possible, which the client is informed about before the conclusion of the contract.

There were proposals when the bank is ready to pay interest, even if the client decides to close the deposit ahead of time. For example, the contribution of “Daromad” (JSCB “Hamkorbank”) assumes payment of 19% per annum, provided that the client will invest more than 1 million for 12 months. At the same time, in the conditions it is said that when the deposit is closed before 6 months from the moment of opening, the bank will charge interest at the rate of 6% per annum, and upon closing the deposit after 6 months the interest on the deposit is calculated at the rate of 19% per annum.

Most banks provide customers with a sms-information service, thanks to which the depositor receives a timely notification of interest accruals or expiration of the deposit term.

The income received as a percentage of time deposits is not subject to taxation.

N

Banks

The most profitable contribution in cash

The most profitable contribution from a plastic card

1

JSC «Agrobank»

17% per annum
for 9 months, the minimum contribution – 5 million,
for 12 months – 3 million

17% per annum
for 9 months, the minimum contribution – 5 million, for 12 months – 3 million

2

JSC «Asia Alliance Bank»

18% per annum
for 12 months, the minimum contribution – 500 thousand.

16% per annum
for 6 months, the minimum deposit – 500 thousand, it is possible to replenish the account

3

JSC «Aloqabank»

16% per annum
for a period of 3 to 24 months, the maximum contribution is 100 million.
For deposits for 12 and 24 months, an account can be replenished

15% per annum
for holders of plastic cards of other banks for 12 months, the minimum amount of the deposit is 1 million, the maximum is 100 million, the interest is paid to the card.

7% per annum
for holders of plastic cards of AK “Aloqabank”, the amount of the deposit is not limited, interest can be received in cash

4

JSCB «Asaka»

17% per annum
for a period of 1 to 24 months

17% per annum
for a period of 1 to 6 months

5

JSCPB «Davr bank»

16% per annum
for 13 months, the minimum amount is 50 thousand.

16% per annum
for 13 months, the minimum amount of the deposit is 50 thousand.

6

Ziraat bank Uzbekistan

10% per annum
for 3, 6, 9, 12 months, the minimum deposit – 500 thousand, it is possible to replenish the account

10% per annum
for 3, 6, 9, 12 months, the minimum deposit – 500 thousand, it is possible to replenish the account

7

JSC «InFinbank»

19% per annum
for 18 months. The first 9 months may be replenished, provided that the amount of more than 500 thousand is paid in.

19% per annum
for 18 months. The first 9 months may be replenished, provided that the amount of more than 500 thousand is paid in.

8

JSCI «Ipak yuli bank»

Deposits are temporarily accepted only in branches, each of which sets conditions independently

Deposits are temporarily accepted only in branches, each of which sets conditions independently

9

JSCM «Mortgage bank»

17% per annum
for 1, 3, 6 months

0,1% per annum
on-demand, capitalization is provided for

10

JSC «Kapitalbank»

18% per annum
for 12 months, it is possible to replenish

18% per annum
for 12 months, it is possible to replenish

11

JSC «KDB Bank Uzbekistan»

Deposits are not accepted.

Deposits are not accepted.

12

JSC Qishloqqurilishbank

19% per annum
for 12 and 24 months, the minimum contribution is 1 million

16% per annum
for 3 and 12 months, the contribution can be from 1 million to 150 million

13

National bank FEA

17% per annum
for 12 months, it is possible to replenish

17% per annum
for 12 months, it is possible to replenish

14

JSCPB «Orient finance»

16% per annum
for 3, 6, 12 months, the minimum contribution – 100 thousand.

Deposits are not accepted.

15

JSCPB «Ravnaq-bank»

11% per annum
for 12 months

Deposits are not accepted.

16

JSC «Savdogar»

18% per annum
for 2, 3, 6 and 12 months

18% per annum
for 2, 3, 6 and 12 months

17

JSCPB «Trustbank»

16% per annum
for 3 months, the minimum contribution – 1 million

16% per annum
for 3 months, the minimum contribution – 1 million

18

JSCPB «Turkiston»

18% per annum
for 6 months

18% per annum
for 6 months, interest can be obtained in cash

19

JSC «Turonbank»

16% per annum
for 3 months

16% per annum
for 3 months

20

JSC «Uzbek industrial and construction bank»

18% per annum
for 4 months, the minimum contribution – 100 thousand

17% per annum
for 5 months, the minimum contribution is -100 thousand.

21

JSPCB «Universal bank»

18% per annum
for 12 and 36 months, the minimum contribution is 150 thousand.

15% per annum
for 12 months, the minimum contribution is 150 thousand.

22

JSPCB «Hi-Tech Bank»

17% per annum
for 18 months, the minimum contribution – 1 million

15% per annum
for 3 months, the minimum contribution – 500 thousand.

23

JSC «People bank»

16% per annum
for 12 months

14% per annum
for 5 months, it is possible to replenish the account

24

JSC «Hamkorbank»

19% per annum
for 12 months, the minimum contribution – 1 million

19% per annum
for 9 months, the minimum contribution – 1 million, opens online

25

JSC Microcreditbank

18% per annum
for 12 and 24 months, it is possible to replenish the account

10% per annum
for 6 and 12 months, it is possible to replenish the account

*В ближайшее время будет опубликован обзор валютных владов.                               

Олег Гаевой, norma.uz

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23 Replies to “The most profitable deposits in banks of Uzbekistan 2018”

  1. Если я поставлю 5000 долларов,каждый в месяц сколько могу получит прибыль ? в самый лучший банк

    • Если будете вкладывать в долларах то проценты ниже, максимум 7% в год предлагают банки. Если будете вкладывать 5000 долларов под 7 процентов, то в месяц вы получаете 29,2 долларов.

  2. Если 5000 $ обменять на 40 млн сум и поставить вклад в сумах 19% каждый месяц получить 630 тыс сум? Значит, выгодно чем вклад в валюте?

  3. Хамкорбанк мне пишет ответ на 20 апреля 2018 года:
    Здравствуйте. Это старая информация .На данный момент самый высокий вклад в наличной форме 17%

    Мне кажется и другие банки также. Где берете инфо?

    • Банки могут менять проценты по вкладам каждый месяц, по этому и информация выбранный на определенную дату не будет актуальным после месяца обычно. Так, что перед тем как пойти в банк можете уточнить информацию через телефон если прошел месяц после публикации статьи.

  4. Добрый день! А гражданин РФ может открыть вклад и есть ли возможность пополнения в России по карте?

    • Уважаемый Марат, конечно могут открыть вклад. Но пополнение в России по карте пока не возможно.

  5. Странно, что нет актуального обновления таблицы вкладов. То, как наши банки “держат” почти одинаковые процентные ставки по вкладам (разница +-1%), то напрашивается вывод о картельном сговоре между ними.

  6. Pingback: Обзор: самые прибыльные сумовые вклады июнь 2018 года

  7. Здраствуйте.Посоветвуйте как мне открыв вклады в банке и полагающими процентами можно ли погасить ипотечный кредит.

    • Погасить кредит можно с помощью процентами полученные от вкладов конечно, для этого надо написать заявление для отправки на соответствующий счёт погашения кредита ваши вклады. Или же вы можете открыть онлайн вклад который предлагает в год более 17% и получая ежемесячно проценты на свою пластиковую карточку через мобильный банкинг погасить кредиты.

  8. Напишите пожалуйста телефоны Банков: АГРОБАНК, ХАМКОР,АСАКА, АЛОКА, ДАВРБАНК,ИНФИНБАНК, ИПОТЕКА, ИПАК ЙЮЛИ,КИШЛОК КУРИЛИШ, САВДОГАР., АЗИЯ АЛЬЯНС, ОРИЕНТ, ТУРОН. илиТАБЛИЦУ С телефонами банков Ташкента. ДЕПОЗИТНЫЕ ОТДЕЛЫ ИНТЕРЕСУЮТ. ЗАРАНЕЕ СПАСИБО.

  9. А можно ли гражданину Узбекистана сделать вклад в иностранные банки? Германии или Швейцарии?

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