Project Detail

Project Overview

1) Contract Nature

As this is a Murabaha contract (production and sale), there is no opportunity for an emergency exit for investors during the project period.

GrowUp will cultivate mustard crops and extract mustard oil, which will be sold to GrowUp-enlisted merchants. Therefore, investment refunds cannot be made before project completion.

2) Duration of Investment

The total investment amount will be - 1,92,00,000 Tk

This investment will be for 3 Months.

3) Projected ROI (Return on Investment)

The annual ROI will be 37%.

In three (3) months, investors will receive a halal dividend of 9.25%, excluding service charges.

4) Investment Part

The minimum investment amount is 15,500 Tk, and investors can invest up to the project limit.

Halal dividends will be disbursed every three months.

For example, if someone invests 100,000 TK (one lakh taka), they will receive 137,000 TK, excluding service charges (100,000 TK as the investment part and 37,000 TK as the profit part in a year).

5) Loss Sharing

GrowUp follows Shariah-compliant Murabaha Principles, meaning investors do not bear losses once the product ownership is transferred to the GrowUp authority.

After GrowUp takes possession of the mustard oil and transfers it to merchants, any business loss will not affect investors.

Therefore, there will be no loss sharing after the handover stage.

6) Service Charge

GrowUp applies a 5% service charge for project management, monitoring, and marketing.

All ROI figures stated above are net returns after deducting this service charge.

7) Contract Conditions

Investors will enter into a Murabaha Agreement (production-sale) with GrowUp for the Mustard Oil Project.

This includes a “production-and-sell” process where investors’ funds are used to cultivate mustard, extract oil, and sell it to enlisted merchants through GrowUp’s marketing team.

GrowUp will act as the authorized agent on behalf of the investors — overseeing cultivation, oil extraction, ownership transfer, and final sale — while assuming the necessary ownership and risk during the process.

8) Risk Factor

Based on internal projections, the risk factor is estimated at 2%.

However, GrowUp’s strong expertise in mustard cultivation and oil extraction ensures efficient risk management and stable returns.

9) Payment Delay

GrowUp has performed in-depth financial and production analysis and expects to disburse investor returns on schedule, barring any unforeseen external factors (such as weather anomalies or market disruption).

Key Points