1. Learn the credit institution you want to save your deposits in

Make sure that the credit institution where you want to make a deposit is a member of the Individuals Deposits Insurance System and has a Certificate of Membership in the Individuals Deposits Insurance Fund.

2. Review the details of the deposit agreement

Make sure that your name, passport information, address and telephone number are correctly stated in the deposit agreement and always inform the credit institution about the changes so that they can easily contact you when paying insurance compensation. Ask the credit institution for information on insuring your deposits in the Fund.

3. Please note that in the event of an insured event, compensation will not be paid for the following individuals deposits:

-        deposits, to which the credit organization has the right to settle debts with depositors within the limits of the depositor's loan amount;

-        mortgaged deposits;

-        criminally obtained deposits or deposits seized by a court;

-        deposits that, according to the conclusion of the National Bank of Tajikistan, have worsened the financial condition of the credit institution;

-        deposits of affiliates of a credit institution determined by law, as well as persons who were considered to be related during the last year to the liquidation of the credit institution;

-        deposits of partners of the audit company involved as auditors of the credit organization in a calendar year before the date of occurrence of the insured event;

-        Individuals Deposits holding more than five percent of shares of a credit institution with interest;

-        deposits placed with foreign branches of the credit organization;

-        deposits equal to any amount of outstanding debt of the depositor to the credit institution.

-        deposits in the amount of less than 10 TJS.

4. Don’t worry and remember

Apply for insurance compensation at any time that suits you – you have one year for this. If possible, do not rush on the first day to receive insurance compensation, because there may be a long queue at the bank agent. Upon the application of the depositor, the Fund may extend the period of the depositor's application for insurance compensation in the following cases:

- if the depositor suffers from physical or mental illness and is not able to apply for insurance compensation in a timely manner;

- in case of emergency when the depositor is not able to apply for insurance compensation.

 Level and coverage of the Fund's insurance coverage

Individuals Deposits are automatically insured and do not require an insurance contract by the depositor. The object of insurance is the deposits of individuals in national and foreign currencies, confirmed by bank deposit agreements and (or) bank accounts of salary cards and pension payments and (or) savings books.

In the event of an insured event, compensation shall not be paid on the following individuals deposits:

·        deposits, to which the credit organization has the right to settle debts with depositors within the limits of the depositor's loan amount;

·        mortgaged deposits;

·        criminally obtained deposits or deposits seized by a court;

·        deposits that, according to the conclusion of the National Bank of Tajikistan, have worsened the financial condition of the credit institution;

·        deposits of affiliates of a credit institution determined by law, as well as persons who were considered to be related during the last year to the liquidation of the credit institution;

·        deposits of partners of the audit company involved as auditors of the credit organization in a calendar year before the date of occurrence of the insured event;

·        Individuals Deposits holding more than five percent of shares of a credit institution with interest;

·        deposits placed with foreign branches of the credit organization;

·        deposits equal to any amount of outstanding debt of the depositor to the credit institution.

·        deposits in the amount of less than 10 TJS.