Paddy Trade 4
10000 BDT /unit

As this is Shariah based Bai’ Murabaha Muajjala contract which means an agreement to sell a product at a deferred value, adding an agreed profit to the original cost. Hence in accordance buy-and-sell agreement there is no opportunity for investors to exit in case of emergencies. We will purchase Paddy. After drying & sorting, it will be processed and sell to Grow Grain listed traders. Therefore, Grow Grain Ltd. cannot refund your investment before the completion of the project.

Investors will enter into Shariah based Murabaha Muajjala contract and engage in halal investment to purchase Paddy from farmers as per the agreement with Grow Grain for the Paddy Trade-4. It involves a "buy-sell" process, where investors will initially invest to buy Paddy Trade through the Grow Grain Authority and confirm their sale through the Grow Grain. Grow Grain will act as a Business Manager for the investors, arrange the procurement of the Paddy Trade assume the risk of ownership and possession of the assets on behalf of the investors and subsequently sell to listed traders.

The total investment amount will be 64,25,000/= This investment will be for 3 Months / 90 days. Note: The shariah return calculation starts from the day after the investment opportunity in the current project ends or the campaign ends.

Murabaha Muajjala Profit or Shariah Return will be 36% per annum. In three (3) months, the investor will receive 9% Halal dividend as per Murabaha agreement.

The minimum investment as Unit in this project is 10,000 TK, or investors can invest maximum as per the investment limit of the project and will get Halal dividend three months according to the amount of his/her investment. If an Investor invests 1,00,000 Tk (one lakh), s/he will receive 1,00,000 tk as part of investment and 9000 Tk as per Murabaha Muajjala profit in three (3) months.

Under the Shariah-compliant Murabaha principle, the investor shall bear no liability for any business loss after the investor has transferred responsibility for the purchase and sale of the product to Grow Grain Authority. Any loss incurred after the transfer of the product shall be the responsibility of the merchant. Consequently, there will be no share of loss from the business after the Paddy Trade-4 is handed over to the merchant Grow Grain Expertise will manage the loss if there is any loss after buying the product from the farmers before selling it to the trader.

Although there are some risks in this trade like economic downturn, supply chain disruption, market competition, changing consumer preferences, regulatory compliance etc. But our skilled trading and procurement staff are confident of making profits by managing the above-mentioned risks efficiently. So, our internal analysis puts the project risk at 3%

The merchant agrees to purchase the goods at a markup of 15% (Average Markup) of the actual price of the goods. This profit will be divided into two parts i.e. investor's share of 9% and the rest of the money will be received as dividend by Grow Grain.

Grow Grain has been working with agricultural farmers and investors for years. You know that agriculture will last as long as humans live so your hard-earned money will be protected by investing in agriculture. Moreover, investing through Shariah-based contracts gives you a golden opportunity to earn profits in a halal way, which is your safety shield in this world and the hereafter. There is also... a) Authorize Invoice as per Company Act 1994 after investment in Grow Grain project from minimum unit price up to Tk 2 lakh taka. b) Get Authorize Security Cheque + Invoice according to Company Act 1994 for investment in Grow Grain project above 2 lakh taka. c) Deed of Agreement + Security Cheque + Authorize Invoice according to Company Act 1994 on investment of 4 lakh taka or Above in Grow Grain project.