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 
  • Financing tenure up to 10 years
  • No guarantor
  • Takaful coverage are optional.
  • Government pensioner
  • Not older than 70 years during the end of the financing period.
  • Minimum monthly pension RM800
Financing Tenure Profit Rate
Up to 1 Year SBR + 3.30%
More than 1 Year - Up to 5 Years  SBR + 3.63 %
More than 5 Years - Up to 10 Years SBR + 3.65 %

*Note :

1. Current Standard Base Rate (SBR) is 3.00% 

2. Additional profit rate of 1.50% to 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.
Early Settlement Fee Rebate (Ibra’) will be given on the deferred profit
Late Payment Charges During the financing tenure :
1% per annum on the outstanding amount of the monthly payment

After expiry of financing tenure :
Shall not be more than the prevailing daily overnight Islamic Interbank Money Market rate (IIMM) on the outstanding balance

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.