Investment Proposal
Join T-Ally Umrah Sr. in revolutionizing the Hajj and Umrah service industry with exceptional returns
Investment Proposal
Confidential Document - 2025/2026
Executive Summary
T-Ally Umrah Sr. is seeking investment partners to expand our established Hajj and Umrah services business. With over 10 years of operational experience and a strong market position, we offer a unique opportunity to invest in a growing religious tourism sector with exceptional returns.
Investment Highlights
- Attractive Returns: Annual returns of 12-20% based on investment package
- Growing Market: The Hajj and Umrah service sector is growing at 10-15% annually
- Established Business: 10+ years of successful operations with 50,000+ satisfied customers
- Secure Investment: Government-approved Hajj and Umrah agency with strong financial stability
- Flexible Terms: Multiple investment packages with terms ranging from 1-5 years
This proposal outlines our business model, market opportunity, financial projections, and investment terms. We invite you to join us in this profitable venture that not only provides excellent financial returns but also contributes to facilitating religious pilgrimages for thousands of Muslims.
Company Overview
T-Ally Umrah Sr. is a premier Hajj and Umrah service provider based in Bangladesh, offering comprehensive pilgrimage packages to Muslims traveling to the holy cities of Makkah and Madinah. Since our establishment in 2013, we have grown to become one of the leading Hajj and Umrah agencies in the country.
Our Mission
To provide exceptional Hajj and Umrah services that make the sacred journey comfortable, meaningful, and accessible for all Muslims, while maintaining the highest standards of customer service and operational excellence.
Our Vision
To become the most trusted and preferred Hajj and Umrah service provider in South Asia, known for our integrity, quality of service, and innovation in religious tourism.
Key Achievements
Pilgrims Served
Market Share
Annual Growth
Our Services
- Premium Hajj and Umrah packages
- Accommodation arrangements in Makkah and Madinah
- Transportation services including Haramain Train bookings
- Visa processing and documentation assistance
- Religious guidance and educational support
- Guided tours of historical and religious sites
- Special services for families, elderly, and first-time pilgrims
Management Team
Mohammad Abdullah
Founder & CEO
20+ years of experience in the travel and tourism industry with specialized expertise in Hajj and Umrah services.
Fatima Rahman
Chief Financial Officer
15+ years of financial management experience with a background in investment banking and corporate finance.
Market Analysis
The Hajj and Umrah service industry represents a significant and growing market opportunity, driven by increasing Muslim population, rising disposable incomes, and enhanced accessibility to the holy cities.
Market Size & Growth
- Global Market: The global Hajj and Umrah services market is valued at approximately $7.5 billion annually and is projected to reach $9.8 billion by 2028.
- Bangladesh Market: Bangladesh sends approximately 125,000 pilgrims for Hajj and 300,000+ for Umrah annually, with a market size of approximately $500 million.
- Growth Rate: The Hajj and Umrah service sector in Bangladesh is growing at 10-15% annually, outpacing the global average of 6-8%.
Market Trends
Increasing Demand for Premium Services
Growing middle and upper-middle class in Bangladesh is driving demand for premium Hajj and Umrah packages with better accommodations, transportation, and personalized services.
Digital Transformation
Online booking platforms, mobile apps, and digital payment systems are transforming how pilgrims research, book, and pay for Hajj and Umrah services.
Year-Round Umrah
Recent policy changes by Saudi authorities have made Umrah accessible throughout the year, increasing the overall market size and reducing seasonality.
Focus on Experience
Pilgrims are increasingly seeking educational, spiritual, and cultural experiences beyond the basic religious rituals, creating opportunities for value-added services.
Competitive Landscape
The Hajj and Umrah service market in Bangladesh is fragmented with over 200 licensed operators. However, the premium segment is dominated by a handful of established players, including T-Ally Umrah Sr., which holds a 15% market share in this segment.
Our Competitive Advantages
- Direct contracts with premium hotels in Makkah and Madinah
- Proprietary transportation network in Saudi Arabia
- Experienced religious scholars as guides
- Strong relationships with Saudi authorities
- Innovative technology platform for booking and customer service
- Comprehensive service offerings covering all aspects of pilgrimage
Investment Opportunity
T-Ally Umrah Sr. is seeking investment capital to fund our expansion plans and capitalize on the growing demand for premium Hajj and Umrah services. We offer a range of investment packages designed to provide attractive returns while supporting our growth strategy.
Capital Requirement
We are raising a total of BDT 50 crore (approximately USD 4.5 million) through various investment packages. This capital will be deployed according to our strategic expansion plan.
Use of Funds
Acquisition of hotel properties in Makkah and Madinah to reduce accommodation costs and increase profit margins.
Expansion of our transportation fleet in Saudi Arabia to provide seamless travel experiences for our pilgrims.
Development of advanced booking and customer management systems to enhance service delivery and operational efficiency.
Working capital to support operations, marketing initiatives, and business development activities.
Investment Packages
Starter Package
- 12% Annual Dividend
- Quarterly Dividend Payments
- 1 Year Term
- 5% Discount on Umrah Packages
Premium Package
- 18% Annual Dividend
- Monthly Dividend Payments
- 3 Year Term
- 10% Discount on Hajj & Umrah Packages
- Annual Investor Conference Participation
Enterprise Package
- 20% Annual Dividend
- Monthly Dividend Payments
- 5 Year Term
- 15% Discount on Hajj & Umrah Packages
- Board Meeting Participation Opportunity
Return on Investment
Our investment packages offer attractive returns compared to traditional investment options in Bangladesh. The table below provides a comparison of expected returns:
| Investment Option | Annual Return | Risk Level | Liquidity |
|---|---|---|---|
| T-Ally Starter Package | 12% | Low-Medium | Medium |
| T-Ally Premium Package | 18% | Medium | Medium |
| T-Ally Enterprise Package | 20% | Medium | Low |
| Bank Fixed Deposit | 5-7% | Low | Medium |
| Government Savings Certificates | 8-9% | Low | Medium |
| Stock Market (Average) | 10-12% | High | High |
| Real Estate | 8-10% | Medium | Low |
Financial Projections
Based on our historical performance and market analysis, we project strong financial growth over the next five years. The following projections demonstrate our ability to generate consistent returns for our investors.
Revenue Projections (in BDT Crore)
Revenue projection chart would appear here
Key Financial Metrics
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 |
|---|---|---|---|---|---|
| Revenue (BDT Crore) | 65 | 85 | 110 | 140 | 180 |
| EBITDA (BDT Crore) | 13 | 18 | 24 | 32 | 42 |
| Net Profit (BDT Crore) | 9 | 13 | 18 | 25 | 33 |
| Profit Margin | 14% | 15% | 16% | 18% | 18% |
| ROI | 18% | 20% | 22% | 24% | 25% |
| Pilgrims Served | 12,000 | 15,000 | 19,000 | 24,000 | 30,000 |
Revenue Streams
These projections are based on conservative estimates and our proven business model. Our diversified revenue streams provide stability and resilience against market fluctuations, ensuring consistent returns for our investors.
Risk Factors & Mitigation
While we are confident in our business model and growth projections, we acknowledge that all investments carry some level of risk. We believe in transparent communication with our investors about potential risks and our strategies to mitigate them.
Market Risks
Policy Changes by Saudi Authorities
Changes in visa policies, Hajj quotas, or fees by Saudi authorities could impact our operations.
We maintain strong relationships with Saudi authorities and diversify our service offerings to adapt to policy changes. Our experienced team stays updated on regulatory developments.
Economic Downturns
Economic recessions could reduce disposable income and affect demand for premium pilgrimage packages.
We offer packages at various price points and maintain financial reserves to weather economic downturns. Religious travel tends to be more resilient than leisure travel during economic challenges.
Operational Risks
Service Quality Issues
Maintaining consistent service quality across all packages and pilgrim groups is challenging.
We implement rigorous quality control processes, regular staff training, and customer feedback systems. Our experienced operations team ensures high service standards.
Logistical Challenges
Managing transportation, accommodation, and other logistics for large groups of pilgrims presents challenges.
We use advanced logistics management systems and maintain strong relationships with reliable service providers in Saudi Arabia. Our team has extensive experience in handling complex logistics.
Financial Risks
Currency Fluctuations
Fluctuations in exchange rates between BDT, USD, and SAR could affect our profit margins.
We implement hedging strategies and maintain reserves in multiple currencies to minimize the impact of exchange rate fluctuations.
Cash Flow Management
Managing cash flow with seasonal business cycles and advance payments to suppliers can be challenging.
We maintain adequate working capital, implement robust financial planning, and diversify our revenue streams to ensure stable cash flow throughout the year.
External Risks
Global Health Crises
Pandemics or health emergencies can disrupt travel and pilgrimage activities, as seen during COVID-19.
We have developed contingency plans, flexible booking policies, and digital service offerings to adapt to health-related disruptions. We maintain financial reserves to withstand temporary downturns.
Political Instability
Political tensions or instability in the region could affect travel and operations.
We monitor geopolitical developments closely, maintain comprehensive insurance coverage, and have established crisis management protocols to ensure pilgrim safety and business continuity.
Our Risk Management Approach
T-Ally Umrah Sr. employs a comprehensive risk management framework that includes:
- Regular risk assessment and monitoring by our management team
- Diversification of revenue streams and service offerings
- Maintenance of adequate financial reserves
- Comprehensive insurance coverage
- Regular investor updates and transparent communication
Investment Terms
Our investment terms are designed to provide clarity, transparency, and security for our investors. Below are the key terms and conditions for investing in T-Ally Umrah Sr.
Investment Duration
| Package | Minimum Term | Early Withdrawal | Renewal Option |
|---|---|---|---|
| Starter Package | 1 Year | Available with 5% fee | Yes, at prevailing rates |
| Premium Package | 3 Years | Available with 3% fee | Yes, at prevailing rates |
| Enterprise Package | 5 Years | Available with 2% fee | Yes, at prevailing rates |
Dividend Distribution
- Starter Package: Quarterly dividend payments (every 3 months)
- Premium & Enterprise Packages: Monthly dividend payments
- Payment Method: Direct bank transfer to investor's designated account
- Taxation: 10% withholding tax applied as per Bangladesh tax regulations
Legal Structure
Investments are structured as profit-sharing agreements in compliance with Bangladesh's financial regulations. Each investor will receive:
- A legally binding investment agreement
- Investment certificate
- Regular financial statements and performance reports
- Access to our investor portal for real-time updates
Additional Benefits
Discounted Services
Investors receive significant discounts on our Hajj and Umrah packages, ranging from 5-15% depending on the investment package.
Priority Booking
Investors receive priority booking for Hajj and Umrah packages, including access to limited availability premium accommodations.
Investor Events
Premium and Enterprise investors are invited to annual investor conferences and networking events with our management team.
Exit Strategy
At the end of the investment term, investors have the following options:
- Withdraw the full principal amount
- Renew the investment for another term at the prevailing rates
- Upgrade to a higher investment package
For Enterprise package investors, we also offer the possibility of equity conversion subject to mutual agreement and valuation at the time.
Next Steps
We invite you to join us in this profitable venture that combines financial returns with the opportunity to contribute to facilitating religious pilgrimages for thousands of Muslims. Here's how to proceed:
Initial Consultation
Schedule a meeting with our investment team to discuss your investment goals and preferences.
Due Diligence
Review our detailed financial statements, legal documentation, and ask any questions you may have.
Investment Agreement
Sign the investment agreement and complete the necessary documentation and KYC requirements.
Fund Transfer
Transfer your investment amount to our designated bank account and receive your investment certificate.
Required Documentation
- Valid National ID Card or Passport
- Proof of Address (utility bill or bank statement)
- Bank Account Details
- TIN Certificate (for investments over BDT 10,00,000)
- Completed Investment Application Form
Contact Information
For more information or to schedule a consultation, please contact our investment team:
investment@t-ally-umrah.com
Phone
+880 1892051303
Office Address
121 Islamic Center, Ally Street, UK
Business Hours
Sunday to Thursday: 9:00 AM - 6:00 PM
Join Us in This Profitable Venture
Invest in T-Ally Umrah Sr. today and become part of our success story. Enjoy attractive returns while contributing to a meaningful cause.
Disclaimer
This investment proposal is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Investments involve risk, and past performance is not indicative of future results. Potential investors should conduct their own due diligence and consult with financial advisors before making any investment decisions.