Personal Financing-i for Pensioner


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.


  • Tawarruq


  • 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 Rate

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

Payment Methods

  • Pension Transfer to Bank Rakyat

Required Documents

Document Required


Malaysia Government Pensioner Card
Army Pensioner Card

Ledger Pensioner

Pension Statement


  • JPA : Jabatan Perkhidmatan Awam
  • JHEV : Jabatan Hal Ehwal Veteren

Fees & Charges



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

Product Disclosure Sheet

Illustration Payment Schedule

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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