Fixed-Term Deposit “DaroMax”

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22%

Interest rate

24 months

Deposit term

500,000 UZS

Minimum amount

Calculate the rate

Deposit amount

1 млн 1 млрд

Deposit term

1 year

2 years

3 years

4 years

5 years

Rates from: %

Your annual income

1 489 200 cумов

Calculation is approximate. Exact terms apply upon application

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Interest rates (for deposits in national currency, UZS)

Term: 24 months
Deposits opened in the mobile application (at maturity) — 22%
Deposits opened in the mobile application (monthly payments) — 20%
Deposits opened at bank branches (at maturity) — 21.5%
Deposits opened at bank branches (monthly payments) — 19.5%

Early termination of deposits in the mobile application

Up to 1 month — 0%
1–3 months — 17.5% (at maturity), 15.5% (monthly)
3–6 months — 19.5% / 17.5%
6–12 months — 19.5% / 17.5%
12–24 months — 20.5% / 18.5%
24 months — 22% / 20%

Early termination of deposits at bank branches

Up to 1 month — 0%
1–3 months — 17% / 15%
3–6 months — 19% / 17%
6–12 months — 19% / 17%
12–24 months — 20% / 18%
24 months — 21.5% / 19.5%

For deposits in US dollars (USD)

Term — 24 months
Amount over $40,000 (at maturity) — 4.00%
Amount over $40,000 (monthly payments) — 3.60%
Amount up to $40,000 (at maturity) — 3.80%
Amount up to $40,000 (monthly payments) — 3.40%

Early termination of deposits over $40,000

Up to 1 month — 0%
1–3 months — 1.50% / 1.10%
3–6 months — 2.00% / 1.60%
6–12 months — 2.50% / 2.10%
12–24 months — 3.00% / 2.60%
24 months — 4.00% / 3.60%

Early termination of deposits up to $40,000

Up to 1 month — 0%
1–3 months — 1.30% / 0.90%
3–6 months — 1.80% / 1.40%
6–12 months — 2.30% / 1.90%
12–24 months — 2.80% / 2.40%
24 months — 3.80% / 3.40%

For deposits in euros (EUR)

Term — 24 months
Amount over €40,000 (at maturity) — 2.50%
Amount over €40,000 (monthly payments) — 2.10%
Amount up to €40,000 (at maturity) — 2.30%
Amount up to €40,000 (monthly payments) — 1.90%

Early termination of deposits over €40,000

Up to 1 month — 0%
1–3 months — 0.80% / 0.40%
3–6 months — 1.20% / 0.80%
6–12 months — 1.40% / 1.00%
12–24 months — 2.00% / 1.60%
24 months — 2.50% / 2.10%

Early termination of deposits up to €40,000

Up to 1 month — 0%
1–3 months — 0.60% / 0.20%
3–6 months — 1.00% / 0.60%
6–12 months — 1.20% / 0.80%
12–24 months — 1.80% / 1.40%
24 months — 2.30% / 1.90%

Minimum amount of deposit

500,000 UZS / 100 USD / 100 EUR

Top up of deposit

Available within the first 3 months

Early withdrawal of deposit

Full — available at any time during the deposit period
Partial — not available

Capitalization

Not available

Interest calculation

Interest is accrued from the day after receipt of funds until the day before the deposit is closed

Deposit guarantee

Citizens' deposits are guaranteed by the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in banks" up to 200 million UZS

Return on deposits guaranteed

The Fund for Guaranteeing Citizens' Deposits in Banks of the Republic of Uzbekistan ensures the stability of the banking system, and also serves as a guarantee for the return of up to 200 million soums in deposits of the population.

Term deposit ‹‹DaroMax››

Product passport – in the version effective from 06.10.2025

Term deposit with monthly interest payment or at the end of the deposit period, with the possibility of replenishment, early withdrawal without loss of interest, opening in one or more currencies.

Interest rates
1.1 . For deposits in national currency (UZS) in % per annum:

Term, months	24
Deposits opened in the mobile application when paying % at the maturity	22%
Deposits opened in the mobile application with monthly % payment	20%
Deposits opened at bank branches when paying % at the maturity	21,5%
Deposits opened at banks branches with monthly % payment	19,5%

Early termination of deposits in the mobile application

Term, months	Up to 1	1 – 3	3 – 6	6 – 12	12 – 24	24
% at maturity	0%	17,5%	19,5%	19,5%	20,5%	22%
% monthly	0%	15,5%	17,5%	17,5%	18,5%	20%

Early termination of deposits at bank branches

Term, months	Up to 1	1 – 3	3 – 6	6 – 12	12 – 24	24
% at maturity	0%	17%	19%	19%	20%	21,5%
% monthly	0%	15%	17%	17%	18%	19,5%

Note: The first digit in each Term interval includes the full specified number of months plus one day, while the second digit in each Term interval reflects the full number of months. The term “up to 1” covers all periods of less than one month, and the term “24 months” reflects the full number of months.

1.2 . 2.For deposits in foreign currency US dollars (USD) in % per annum:

Term, months	24
Deposits with an amount of over $40,000 when paying % at maturity	4,00%
Deposits with an amount of over $40,000 when paying % monthly	3,60%
Deposits with an amount up to $40,000 when paying % at maturity	3,80%
Deposits with an amount up to $40,000 when paying % monthly	3,40%

Early termination of a deposit with an amount of over $40,000

Term, months	Up to 1	1 – 3	3 – 6	6 – 12	12 – 24	24
% at maturity	0%	1,50%	2,00%	2,50%	3,00%	4,00%
% monthly	0%	1,10%	1,60%	2,10%	2,60%	3,60%

Early termination of a deposit with an amount up to $40,000

Term, months	Up to 1	1 – 3	3 – 6	6 – 12	12 – 24	24
% at maturity	0%	1,30%	1,80%	2,30%	2,80%	3,80%
% monthly	0%	0,90%	1,40%	1,90%	2,40%	3,40%

1.3 . For deposits in foreign currency EURO (EURO) in % per annum:

Term, months	24
Deposits with an amount of over €40,000 when paying % at maturity	2,50%
Deposits with an amount of over €40,000 when paying % monthly	2,10%
Deposits with an amount up to €40,000 when paying % at maturity	2,30%
Deposits with an amount up to €40,000 when paying % monthly	1,90%

Early termination of a deposit with an amount of over €40,000

Term, months	Up to 1	1 – 3	3 – 6	6 – 12	12 – 24	24
% at maturity	0%	0,80%	1,20%	1,40%	2,00%	2,50%
% monthly	0%	0,40%	0,80%	1,00%	1,60%	2,10%

Early termination of a deposit with an amount up to €40,000

Term, months	Up to 1	1 – 3	3 – 6	6 – 12	12 – 24	24
% at maturity	0%	0,60%	1,00%	1,20%	1,80%	2,30%
% monthly	0%	0,20%	0,60%	0,80%	1,40%	1,90%

Minimum amount of deposit

500 000 UZS / 100 USD / 100 EUR

Top up of deposit

Available within the first 3 months

Early withdrawal of deposit

Full

Available at any time during the deposit period

Partial

Not available

Capitalization

Not available

Interest calculation

Interest is accrued from the day after receipt of funds and the day before the deposit is closed.

Deposit guarantee

Citizens' deposits are guaranteed by the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in banks" up to 200 million UZS.

Return on deposits guaranteed

Deposit contract sample (in RU)

PDF 9122.54 Кб

General rules for accepting deposits

PDF 108.95 Кб

Инфо лист - DaroMax

On approval of the regulation on minimum requirements for the activities of commercial banks in the implementation of relations with consumers of banking services

Appendix № 3

INFORMATION SHEET ON THE MAIN CONDITIONS OF DEPOSITS*

Name of the commercial bank, official website, phone numbers	JSCMB «Ipoteka-bank», www.ipotekabank.uz
	Phone: Contact-center (78) 150-11-22, 1233

Section 1. The main conditions of the deposit

1. Deposit name	Term deposit “DaroMax”.
2. The currency of deposit	In national currency (UZS), in foreign currency (US dollars and EURO)
3. Registration type	Ipoteka-Retail		At bank’s branches
4. Interest payment	At maturity	Monthly	At maturity	Monthly
5. The annual interest rate on the deposit in the national currency	22,0%	20,0%	21,5%	19,5%
6. Registration type	At bank’s branches
7. Amount	above $40 000		up to $40 000
8. Interest payment	At maturity	Monthly	At maturity	Monthly
9. The annual interest rate on the deposit in foreign currency US dollars	4,0%	3,6%	3,8%	3,4%
10. Registration type	At bank’s branches
11. Amount	above €40 000		up to €40 000
12. Interest payment	At maturity	Monthly	At maturity	Monthly
13. The annual interest rate on the deposit in foreign currency EURO	2,5%	2,1%	2,3%	1,9%
14. Capitalization of interest on the deposit (recalculation of interest by adding accrued interest to the principal amount)	Without capitalization
15. Deposit term	24 months
16. Minimum deposit amount (if applicable)	500,000 (five hundred thousand) uzs, 100 US dollars (one hundred), 100 EUROS (one hundred)
16. Frequency of payment of interest on the deposit	1. When opening a deposit with a monthly interest payment, funds are transferred once a month. 2. When choosing a deposit with interest income accrual at the end of the term, payment is made 1 time — at its completion.
17. Procedure for opening a deposit (online or by visiting a bank)	The deposit can be opened via the Ipoteka-Retail mobile application or at the bank's branches, in both cash and non-cash forms.
18. The possibility of depositing additional funds	Available only for the first 3 months (interest is accrued on additional funds deposited from the next day on the total balance of funds).
19. Auto-prolongation (unilateral extension of the deposit period by the bank at the end of the deposit period)	Not available
20. Other conditions	Interest is accrued from the day after the funds are received and the day before the deposit is closed.

Section 2. Other important conditions

1. The possibility of partial withdrawal of deposited funds before the end of the deposit period		Not available
2. Registration type		Ipoteka-Retail		At bank’s branches
3. The procedure for early termination of the deposit agreement in national currencies	Period	At maturity	Monthly	At maturity	Monthly
	up to 1 month	0,0%	0,0%	0,0%	0,0%
	from 1 to 3 months	17,5%	15,5%	17,0%	15,0%
	from 3 to 6 months	19,5%	17,5%	19,0%	17,0%
	from 6 to 9 months	19,5%	17,5%	19,0%	17,0%
	from 9 to 12 months	19,5%	17,5%	19,0%	17,0%
	from 12 to 18 months	20,5%	18,5%	20,0%	18,0%
	from 18 to 24 months	20,5%	18,5%	20,0%	18,0%
4. Registration type		At bank’s branches
5. Amount		above $40 000		up to $40 000
6. The procedure for early termination of the deposit agreement in foreign currency USD	Period	At maturity	Monthly	At maturity	Monthly
	up to 1 month	0,0%	0,0%	0,0%	0,0%
	from 1 to 3 months	1,5%	1,1%	1,3%	0,9%
	from 3 to 6 months	2,0%	1,6%	1,8%	1,4%
	from 6 to 9 months	2,5%	2,1%	2,3%	1,9%
	from 9 to 12 months	2,5%	2,1%	2,3%	1,9%
	from 12 to 18 months	3,0%	2,6%	2,8%	2,4%
	from 18 to 24 months	3,0%	2,6%	2,8%	2,4%
7. Registration type		At bank’s branches
8. Amount		above €40 000		up to €40 000
9. The procedure for early termination of the deposit agreement in foreign currency EURO	Period	At maturity	Monthly	At maturity	Monthly
	up to 1 month	0%	0%	0%	0%
	from 1 to 3 months	0,8%	0,4%	0,6%	0,2%
	from 3 to 6 months	1,2%	0,8%	1,0%	0,6%
	from 6 to 9 months	1,4%	1,0%	1,2%	0,8%
	from 9 to 12 months	1,4%	1,0%	1,2%	0,8%
	from 12 to 18 months	2,0%	1,6%	1,8%	1,4%
	from 18 to 24 months	2,0%	1,6%	1,8%	1,4%
10. Citizens' deposits are guaranteed by the Law of the Republic of Uzbekistan "On guarantees for the protection of citizens' deposits in banks" up to 200 million UZS.

Please review the information sheet before agreeing to open a deposit!

You have the right to receive full and detailed information from the bank about the terms of the deposit, the interest income on the deposit and the settlement procedure, as well as about your rights and obligations and other issues that are unclear to you.

In case of claims, you can send your request by phone +998 (78) 150-11-22 or to the address Tashkent, Shakhrisabz str., 30 or by e-mail info@ipotekabank.uz.

THE CORRECTNESS AND AUTHENTICITY OF THE INFORMATION SHEET IS CONFIRMED.

(Full name and position of bank’s employee) (Date of filling in)

The information sheet does not replace a deposit agreement or a deposit acceptance order, on the contrary, it helps to compare the deposit conditions of different banks and make the right choice