Humo Bank
Kafola Deposit
Kafola (guarantee) savings deposit at Humo Bank in somoni with 16% annual yield when opened online. Term up to 36 months, minimum 100 somoni, maximum 1,000,000 somoni. Account replenishment is available. Deposit insured by the Deposit Insurance Fund (up to 35,000 somoni). 12% tax is withheld from accrued interest.
OnlineTJSSavings
16%
annual rate
1 d.–36 mo.
term
from 100 TJS
min. amount
Deposit conditions
| Interest rate | 16% per year |
| Term | 1 d. – 36 mo. |
| Deposit amount | 100 – 1 000 000 TJS |
| Capitalization | None |
| Interest payment | at_maturity |
| Deposit type | Savings |
| Insured amount | 35 000 TJS |
Pros & cons
Advantages
- High 16% annual rate with replenishment — combining term and savings deposit features
- Long-term horizon up to 36 months for maximum accumulation
- Low entry threshold — from 100 somoni
Disadvantages
- Enhanced 16% rate is only available when opening online via the app
Features
Top-up
Available
Partial withdrawal
Unavailable
Early closure
Available
Auto-renewal
Unavailable
Insured
Available
How to open
Opening methods
At branch Online
Required documents
- Passport
- tin
16%per year
Term1 d.–36 mo.
Min. amountfrom 100 TJS
CurrencyTJS
Bank
Humo Bank
Bank profile →