Features: Executed with the purpose of providing opportunities to Depositor obtain at «Agroinvestbank» consumer credit in concessionary terms with the purpose of children’s education in high schools.

Recommended: To physical person with the purpose of accumulating capital for providing conditions of receiving high quality education for children. The initial deposit on the complex product «Durakhshon» in different currencies is set in the amount of not less than 500 unites of account’s currency (in Russian roubles 5 000). Periodicity of depositing in funds for renewing account: monthly not more than 1 000 units, but not less than 50 units account’s currency.
The interest rate of a loan depends on the level of refinancing rate, set by National Bank of Tajikistan on the current date as 3 % yearly. The interest rate on the deposit is floating and depends on the level of refunding interest rate. The term of deposit of this deposit is not less than 18 months. 
On the complex product «Durakhshon» a method of capitalization of interests is used, that is every year after tax deduction, the charged interests are applied to increase of the account remainder.
In compliance with the above mentioned conditions by the wish of the Depositor, he/she is given the right to obtain consumer credit on concessionary terms, for the purpose of education of children in high schools;

The amount of this credit is equivalent to the amount of the remainder of deposit on the date of closing the deposit account. The interest rate of the credit depends on the level of refinancing rate, set by the National Bank of Tajikistan on the current date + 10% annual with the term of credit use up to 2 years.

 The general conditions of the saving deposit «Durakhshon»

Minimum amount of deposit	Not less than 100 units of account’s currency; (in Russian roubles – 1000);
Currency	Somoni, US Dollars, Euro, Russ Rubles;
Term of use	Not less than 18 months;
Interest rate on deposit	In accordance with the interest policy of «Agroinvestbank» for the current date minus 3% per annum;
Amount of additional receipt of funds	·         Monthly, not less than 20 units and not more than 1000 units of account’s currency; ·         Not more than 2 inpayments to deposit a month;
Term and procedure of interests charges on the deposit	Annual capitalization.