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Systematic Investments Plans


Keep your money growing

Inflation silently erodes your purchasing power, which is why it is essential to find opportunities that allow your money to work harder for you.


A Systematic Investment Plan (SIP) is a disciplined investment savings solution that takes the emotion and guess work out of your investment decisions through regular periodic investment transactions. By investing the same amount on a regular-basis, you take advantage of market movements by averaging your total cost of purchase (dollar cost averaging) over the term of your SIP.

ADCB Islamic Banking carefully selects funds that cater to your financial requirements after excluding companies that profit from activities and products which are not in line with Sharia principles, and those which fail to qualify as Sharia compliant from financial ratio perspectives as provided by the Sharia standards and endorsed by the Fatwa and Sharia Supervisory Board of the Bank.

Invest in a multi-asset fund, or construct a personalized portfolio for as little as USD 250 per fund with the monthly investment sum automatically and conveniently deducted from your account, eliminating the need to remember due dates and payments.

Terms and conditions

Investment products are not bank deposits and are not guaranteed by the Bank. They are subject to investment risks, including possible loss of principal amount invested. Past performance does not guarantee future results. Please refer to the Bank’s Wealth Services Terms & Conditions available here.

This website is for information purposes only and does not constitute an offer or solicitation to purchase investment products.

Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 56 2626.

Apply through SMS

Apply through SMS

SMS 'SIP' to 2626 from your registered mobile number.

Visit us

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you