Decreasing Term Takaful (DTT)

Wealth Management 

Decreasing Term Takaful (DTT)


  • Exclusively offered to Personal Financing-i customers of Bank Rakyat.
  • Designed to cover the Personal Financing-i balance in the event of death or total permanent disability (TPD) due to any causes.
  • Releasing family members from financial burden in case of unfortunate event.
  • Contribution subject to the amount of financing, tenure, age & profit rate.


  • Covering up to RM200,000 of the Personal Financing-i balance.
  • Lump sum payment by Takaful Operator for the balance of Personal Financing-i in the event of death or TPD on the person covered.
  • Total sum covered will be consistent with the reducing balance of Personal Financing-i payment schedule.
  • Lump sum contribution can be paid by the customer or financed by Bank Rakyat.
  • If the Personal Financing-i account settled earlier, the certificate can be surrendered for cash value.
  • Offer surplus sharing (if any) to participant at the end of certificate period.


  • Personal Financing-i with Bank Rakyat only.
  • Malaysian Citizen.
  • Aged between 18 to 64.
  • Automatic acceptance for sum covered from RM10,000 to RM200,000.
  • Coverage term from 1 year to 10 years.


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

*Terms and conditions apply.

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