Hajj is a once-in-a-lifetime farz for those who can afford it. In 2025, Hajj from Bangladesh cost ৳5,78,840 (government package) to ৳9 lakh+ (premium private). Plan early and the burden lifts.
5-year monthly savings math
Target: ৳7 lakh by year 5 (mid-range package, allowing for inflation).
- Without investment growth: ৳7,00,000 / 60 months = ৳11,667/month
- With 7% halal DPS growth: ৳9,750/month (you save ~৳1.15 lakh in interest)
- With Sanchayapatra 11%: ৳8,800/month (highest realistic safe return)
Halal-aligned saving instruments
- Islami Bank Bangladesh Mudaraba Savings — profit-sharing, 4–5%.
- Social Islami Bank DPS — Mudaraba-based, 6–7%.
- Sukuk (Islamic bonds) — issued by govt, 6–8%, 3-year tenors.
- Sanchayapatra — government-backed; many scholars consider it permissible.
- Avoid: conventional fixed deposits, stocks of non-halal businesses, interest-bearing schemes.
Year-by-year plan
- Year 1: Build savings habit. ৳10,000/month auto-transfer.
- Year 2: Open dedicated Mudaraba account. Continue ৳10,000.
- Year 3: Increase to ৳12,000 with first major raise.
- Year 4: Apply for Hajj registration (currently a 2–3 year waiting period exists).
- Year 5: Pay package deposit, finalize travel arrangements.
Track in Moneybag
- Wallet: Hajj Fund (currency BDT).
- Goal: ৳7,00,000 by month/year.
- Recurring rule: ৳10,000 auto-deposit on 5th of every month.
- Tag any Eid bonus, freelance burst directly to this wallet.
Can I use Sanchayapatra for Hajj?+
Yes — and many scholars consider government bonds permissible. Lock-in is 5 years, so plan for that.
What if Hajj package prices rise faster than 7%?+
Recent history: Bangladesh Hajj costs rose ~8.5% yearly. Pad your target by 15% buffer to be safe.
Can I take a loan for Hajj?+
Most scholars say no — Hajj is only farz when you can afford it from your own wealth without significant debt.
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