Juhudi Account

This is designed fixed deposit account where the customer invests funds for a special period of 3 years while enjoying monthly interest. The target customer includes retirees or any individuals with excess funds and who have medium-term plans.


  • Multi-currency: TZS|USD|EURO|GBP
  • Initial Opening Balance- TZS 1 Mil|FOREX1000
  • Tenure 36 Months
  • Interest Payment: Monthly
  • The customer will be issued with traditional fixed deposit receipt (FDR)
  • Uplifting the deposit leads to foregoing 50% of the interest earned (recovered from the deposit)


  • Assured Monthly income without affecting the deposited principal amount
  • Opportunity to invest for a longer tenure
  • High-return investment with a competitive interest rate
  • Risk-free investment
  • Access to loan up to 90% of the deposit (lien)
  • It can be revolved
  • No monthly or operational fees
  • No Joint Account operations


  • Customer must be 18 years and above,
  • Own KCBL account
  • Legal ID (NIDA ID/Voter’s ID/Driver’s License/Passport/Zanzibar National ID). 
  • VEO/WEO Letter (if using ID’s apart from National ID).
  • 2 Passport size photos
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