Deposits in national currency

Term deposits in national currency for individuals

(Valid from 03.11.2022)

«FOYDA (III) - 17»

  • Interest rate of the deposit - 17% per annum;
  • Term of the deposit - 6 (six) month;
  • Deposit currency -  UZS;
  • The minimum deposit amount – 3 000 000 (three million) UZS;
  • The deposit is accepted in cash or non-cash form;
  • Interest on the deposit is paid monthly in the currency of the deposit;
  • Partial deposit withdrawal is not allowed;
  • Additional contribution - for 1st month from the date of deposit;
  • The minimum amount of additional contribution – 3 000 000 UZS;
  • If the deposit is withdrawn  before the due date by the request of depositor, interest is not paid;
  • If the deposit is withdrawn before the due date by the request of depositor, the depositor should notify the bank in written form 30 (thirty) working days prior to withdrawal.
  • Interest on the deposit is not subject to capitalization.

«Foyda (III)- 20»

  • Interest rate of the deposit - 20% per annum;
  • Term of the deposit - 13 (thirteen) months;
  • Deposit currency -  UZS;
  • The minimum deposit amount - 3 000 000 (three million) UZS;
  • The deposit is accepted in cash or non-cash form;
  • Interest on the deposit is paid monthly in the currency of the deposit;
  • Partial deposit withdrawal is not allowed;
  • Additional contribution - for 1st month from the date of deposit;
  • The minimum amount of additional contribution - 3 000 000 UZS;
  • If the deposit is withdrawn  before the due date by the request of depositor, the interest on the deposit is calculated as follows:

-20% per annum - from the 366th day of making the deposit (including the 366th day) until the end of the deposit term;
-Interest is paid on the basis of the actual days the funds are in the deposit;
-If the deposit is withdrawn at the initiative of the depositor before 366 days (including the 366th day) from the date of making the deposit, no interest is paid and the amount of interest paid earlier is deducted from the principal amount of the deposit;

  • If the deposit is withdrawn before the due date by the request of depositor, the depositor should notify the bank in written form 30 (thirty) working days prior to withdrawal.
  • Interest on the deposit is not subject to capitalization.

«FOYDA (III) - 21»

  • Interest rate of the deposit - 21% per annum;
  • Term of the deposit - 18 (eighteen) months;
  • Deposit currency -  UZS;
  • The minimum deposit amount - 3 000 000 (three million) UZS;
  • The deposit is accepted in cash or non-cash form;
  • Interest on the deposit is paid monthly in the currency of the deposit;
  • Partial deposit withdrawal is not allowed;
  • Additional contribution - for 3 months from the date of deposit;
  • The minimum amount of additional contribution - 3 000 000 UZS;
  • If the deposit is withdrawn  before the due date by the request of depositor, the interest on the deposit is calculated as follows:

-21% per annum - from the 511th day of making the deposit (including the 511th day) until the end of the deposit term;
-Interest is paid on the basis of the actual days the funds are in the deposit;
-If the deposit is withdrawn at the initiative of the depositor before 511 days (including the 511th day) from the date of making the deposit, no interest is paid and the amount of interest paid earlier is deducted from the principal amount of the deposit

  • If the deposit is withdrawn before the due date by the request of depositor, the depositor should notify the bank in written form 30 (thirty) working days prior to withdrawal.
  • Interest on the deposit is not subject to capitalization.

«FOYDA (III) - 22»

  • Interest rate of the deposit - 22% per annum;
  • Term of the deposit - 24 (twenty four) months;
  • Deposit currency -  UZS;
  • The minimum deposit amount - 3 000 000 (three million) UZS;
  • The deposit is accepted in cash or non-cash form;
  • Interest on the deposit is paid monthly in the currency of the deposit;
  • Partial deposit withdrawal is not allowed;
  • Additional contribution - for 3 months from the date of deposit;
  • The minimum amount of additional contribution - 3 000 000 UZS;
  • If the deposit is withdrawn  before the due date by the request of depositor, the interest on the deposit is calculated as follows:

-22% per annum - from the 671th day of making the deposit (including the 671th day) until the end of the deposit term;
-Interest is paid on the basis of the actual days the funds are in the deposit;
-If the deposit is withdrawn at the initiative of the depositor before 671 days (including the 671th day) from the date of making the deposit, no interest is paid and the amount of interest paid earlier is deducted from the principal amount of the deposit

  • If the deposit is withdrawn before the due date by the request of depositor, the depositor should notify the bank in written form 30 (thirty) working days prior to withdrawal.
  • Interest on the deposit is not subject to capitalization.

*********

To place a deposit, it is necessary to provide an identity document or documents equivalent to it;

The Bank provides services to customers from 09.00 to 13.00 o’clock and from 14:00 to 17:00 o’clock;

It is possible to make deposits at any branch and office of Ziraat Bank Uzbekistan JSC.

We remind you that in accordance with the Law of the Republic of Uzbekistan “On guarantees for protection of citizens’ deposits in banks”, the funds of individuals placed on deposit accounts of commercial banks are protected by the state and reliable guarantees are statutorily secured for the payment of compensations upon citizens’ deposits, as well as information on cash funds and depositors is a bank secret.

For non-residents. Since the deposit relationship is regulated by the current legislation of the Republic of Uzbekistan, 10% tax is withheld from deposit interest payments (income) in accordance with Articles 366, 382 of the Tax Code of the Republic of Uzbekistan.

Foyda-17

Omonatning valyutasi UZS
Omonat nomi Foyda-17
Omonat boʼyicha yillik foiz stavkasi (agar omonat boʼyicha yillik foiz stavkasi differentsiallashgan yoki omonatni rasmiylashtirish usuliga bogʼliq boʼlsa, har biri alohida koʼrsatiladi) 17%
Omonat boʼyicha hisoblangan foizlarni kapitalizatsiyasi mavjudligi (hisoblangan foizni asosiy mablagʼga qoʼshib qayta foiz hisoblash) Omonat foizlari kapitalizasiya qilinmaydi
Omonatning muddati 6 oy
Omonat boʼyicha foizlarni toʼlash davriyligi 3000000
Omonat boʼyicha foizlarni toʼlash davriyligi

Har oyda, yakuniy hisob-kitob omonatning qaytarish kunida amalga oshiriladi.

Omonatni rasmiylashtirish usuli(onlayn yoki bankka tashrif buyurish orqali) Omonatni "Ziraat Bank Uzbekistan"ning barcha filiallarida va ofislarida rasmiylashtirishingiz mumkin
Аvtouzaytirish (omonat muddati tugaganda omonat muddatini bank tomonidan bir tomonlama uzaytirish) Mavjud emas
Boshqa shartlar

Omonatni qabul qilish shakli – naqd yoki naqdsiz shaklda;
Omonatni qaytarish shakli – omonat kiritilgan valyutada;
Qo’shimcha badal – omonat kiritilgan sanadan boshlab 1 oy davomida;
 

Omonatga qoʼyilgan pul mablagʼlarini omonat muddati tugagunga qadar qisman yechib olish imkoniyatining mavjudligi Mijoz talabiga ko`ra omonat muddatidan avval qaytarib olinganida omonat foizlari quyidagicha hisoblanadi
Omonat shartnomasini muddatidan oldin bekor qilish tartibi

Mijoz talabiga ko’ra omonat muddatidan avval qaytarib olinganida omonat foizlari yillik 11% miqdorida hisoblanadi;
Omonat muddatidan avval qaytarib olinganida foizlar yuqorida ko’rsatilgan miqdorda qayta hisoblanib, oldindan to’langan foizlar miqdori omonat summasidan ushlab qo’linadi;
Omonatchi tashabbusi bilan omonat muddatidan avval qaytarib olinganida, omonatchi tomonidan bu haqida bankka 30 (o’ttiz) ish kuni oldin yozma habar beriladi.

 

Foyda-20

Omonatning valyutasi UZS
Omonat nomi Foyda-20
Omonat boʼyicha yillik foiz stavkasi (agar omonat boʼyicha yillik foiz stavkasi differentsiallashgan yoki omonatni rasmiylashtirish usuliga bogʼliq boʼlsa, har biri alohida koʼrsatiladi) 20%
Omonat boʼyicha hisoblangan foizlarni kapitalizatsiyasi mavjudligi (hisoblangan foizni asosiy mablagʼga qoʼshib qayta foiz hisoblash) Omonat foizlari kapitalizasiya qilinmaydi
Omonatning muddati 13 oy
Omonat boʼyicha foizlarni toʼlash davriyligi 3000000
Omonat boʼyicha foizlarni toʼlash davriyligi

Har oyda, yakuniy hisob-kitob omonatni qaytarilish kunida amalga oshiriladi;

 

Omonatni rasmiylashtirish usuli(onlayn yoki bankka tashrif buyurish orqali) Omonatni "Ziraat Bank Uzbekistan"ning barcha filiallarida va ofislarida rasmiylashtirishingiz mumkin
Аvtouzaytirish (omonat muddati tugaganda omonat muddatini bank tomonidan bir tomonlama uzaytirish) Mavjud emas
Boshqa shartlar

Omonatni qabul qilish shakli - naqd yoki naqdsiz shaklda;
Omonatni qaytarish shakli - omonat kiritilgan valyutada;
Qo’shimcha badal - omonat kiritilgan sanadan boshlab 1 oy davomida;

 

Omonatga qoʼyilgan pul mablagʼlarini omonat muddati tugagunga qadar qisman yechib olish imkoniyatining mavjudligi Mijoz talabiga ko`ra omonat muddatidan avval qaytarib olinganida omonat foizlari quyidagicha hisoblanadi
Omonat shartnomasini muddatidan oldin bekor qilish tartibi

Mijoz talabiga ko’ra omonat muddatidan avval qaytarib olinganida omonat foizlari  quyidagicha hisoblanadi;
Yillik 20% - 366 kundan boshlab omonat muddati yakunlangunga qadar.
Omonat muddatidan avval qaytarib olinganda yuqorida ko‘rsatilgan miqdorda qayta hisoblanib, oldindan to‘langan foizlar miqdori omonat summasidan ushlab qolinadi;
Omonatchi tashabbusi bilan omonat muddatidan avval qaytarib olinganda, omonatchi tomonidan bu xaqida bankka 30 (o‘ttiz) ish kuni oldin yozma habar beriladi. 
Omonat foizlari kapitalizasiya qilinmaydi.
 

Foyda-21

Omonatning valyutasi UZS
Omonat nomi Foyda-21
Omonat boʼyicha yillik foiz stavkasi (agar omonat boʼyicha yillik foiz stavkasi differentsiallashgan yoki omonatni rasmiylashtirish usuliga bogʼliq boʼlsa, har biri alohida koʼrsatiladi) 21%
Omonat boʼyicha hisoblangan foizlarni kapitalizatsiyasi mavjudligi (hisoblangan foizni asosiy mablagʼga qoʼshib qayta foiz hisoblash) Omonat foizlari kapitalizasiya qilinmaydi
Omonatning muddati 18 oy
Omonat boʼyicha foizlarni toʼlash davriyligi 3000000
Omonat boʼyicha foizlarni toʼlash davriyligi

Har oyda, yakuniy hisob-kitob omonatni qaytarilish kunida amalga oshiriladi;

Omonatni rasmiylashtirish usuli(onlayn yoki bankka tashrif buyurish orqali) Omonatni "Ziraat Bank Uzbekistan"ning barcha filiallarida va ofislarida rasmiylashtirishingiz mumkin
Аvtouzaytirish (omonat muddati tugaganda omonat muddatini bank tomonidan bir tomonlama uzaytirish) Mavjud emas
Boshqa shartlar

Omonatni qabul qilish shakli - naqd yoki naqdsiz shaklda;
Omonatni qaytarish shakli - omonat kiritilgan valyutada;
Qo’shimcha badal - omonat kiritilgan sanadan boshlab 3 oy davomida;
 

Omonatga qoʼyilgan pul mablagʼlarini omonat muddati tugagunga qadar qisman yechib olish imkoniyatining mavjudligi Mijoz talabiga ko`ra omonat muddatidan avval qaytarib olinganida omonat foizlari quyidagicha hisoblanadi
Omonat shartnomasini muddatidan oldin bekor qilish tartibi

Mijoz talabiga ko’ra omonat muddatidan avval qaytarib olinganida omonat foizlari  quyidagicha hisoblanadi;

Yillik 21% - 511 kundan boshlab omonat muddati yakunlangunga qadar. 
Omonat muddatidan avval qaytarib olinganda foizlar yuqorida ko‘rsatilgan miqdorda qayta hisoblanib, oldindan to‘langan foizlar miqdori omonat summasidan ushlab qolinadi;
Omonatchi tashabbusi bilan omonat muddatidan avval qaytarib olinganda, omonatchi tomonidan bu xaqida bankka 30 (o‘ttiz) ish kuni oldin yozma habar beriladi. 
Omonat foizlari kapitalizasiya qilinmaydi.

 

 

Foyda-22

Omonatning valyutasi UZS
Omonat nomi Foyda-22
Omonat boʼyicha yillik foiz stavkasi (agar omonat boʼyicha yillik foiz stavkasi differentsiallashgan yoki omonatni rasmiylashtirish usuliga bogʼliq boʼlsa, har biri alohida koʼrsatiladi) 22%
Omonat boʼyicha hisoblangan foizlarni kapitalizatsiyasi mavjudligi (hisoblangan foizni asosiy mablagʼga qoʼshib qayta foiz hisoblash) Omonat foizlari kapitalizasiya qilinmaydi
Omonatning muddati 24 oy
Omonat boʼyicha foizlarni toʼlash davriyligi 3000000
Omonat boʼyicha foizlarni toʼlash davriyligi

Omonatni qabul qilish shakli - Naqd yoki naqdsiz shaklda;
Omonatni qaytarish shakli - Omonat kiritilgan valyutada;
Omonatni qisman qaytarish - Ko‘zda tutilmagan;
Omonat foizini to‘lash shakli - har oyda, yakuniy hisob-kitob omonatning qaytarilish kunida amalga oshiriladi;


 

Omonatni rasmiylashtirish usuli(onlayn yoki bankka tashrif buyurish orqali) Omonatni "Ziraat Bank Uzbekistan"ning barcha filiallarida va ofislarida rasmiylashtirishingiz mumkin
Аvtouzaytirish (omonat muddati tugaganda omonat muddatini bank tomonidan bir tomonlama uzaytirish) Mavjud emas
Boshqa shartlar

Mijoz talabiga ko‘ra omonat muddatidan avval qaytarib olinganda omonat buyicha foizlar quyidagicha hisoblanadi: 
Yillik 22% - 671 kundan boshlab omonat muddati yakunlangunga qadar. 
Omonat muddatidan avval qaytarib olinganda foizlar yuqorida ko‘rsatilgan miqdorda qayta hisoblanib, oldindan to‘langan foizlar miqdori omonat summasidan ushlab qolinadi;
Omonatchi tashabbusi bilan omonat muddatidan avval qaytarib olinganda, omonatchi tomonidan bu xaqida bankka 30 (o‘ttiz) ish kuni oldin yozma habar beriladi. 
 

Omonatga qoʼyilgan pul mablagʼlarini omonat muddati tugagunga qadar qisman yechib olish imkoniyatining mavjudligi Mijoz talabiga ko`ra omonat muddatidan avval qaytarib olinganida omonat foizlari quyidagicha hisoblanadi
Omonat shartnomasini muddatidan oldin bekor qilish tartibi

Omonatchi tashabbusi bilan omonat muddatidan avval qaytarib olinganda, omonatchi tomonidan bu xaqida bankka 30 (o‘ttiz) ish kuni oldin yozma habar beriladi. 
 

11/24/2022