Personal Banking

Financing-i / Personal Financing-i for Pensioner
Personal Financing-i is specifically designed for government pensioners. It offers competitive profit rate and affordable monthly installment. With it, pensioners may realize the retirement of their dreams.


  • Maximum financing amount​
    • Maximum RM100,000 ; OR
    • Maximum 15 times monthly gross pension
  • Financing tenure up to 10 years
  • No guarantor
  • Takaful coverage are optional.
  • Government pensioner
  • Not older than 65 years during the end of the financing period.
  • Minimum monthly pension RM800
Tenure Profit Rate Effective / Flat
1 - 10 years BR + 4.26% 8.11% /4.63%

*Note :

1. Current Base Rate (BR) is 3.85% 

2. Additional profit rate of 1.5% over the current profit rate for financing without takaful

  • Pension Transfer to Bank Rakyat
Document Required JPA JHEV
Malaysia Government Pensioner Card  
Army Pensioner Card  
Ledger Pensioner  
Pension Statement  


  • JPA : Jabatan Perkhidmatan Awam

  • JHEV : Jabatan Hal Ehwal Veteren

Wakalah or Agency Fee Wakalah or agency fee of RM28.30 
Stamp duty fee 0.5% of total financing as contained in the Stamp Duty Act 1949.
Compensation Charge (Ta'widh) for Late Payment Before maturity: 1% per annum on the installment amount.
After maturity: Should not more than IIMM rate on the outstanding principal.

The published rates, fees and charges are effective from 1st April 2019 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.

*Terms and conditions apply.