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Term Investment Account-i (TIA-i)
An account that allows customers to place their monies under the Shariah concept of Mudarabah (Profit sharing for investment) to be invested into the Bank's existing Personal Financing-i portfolio.
Return (if any) generated from the investment will be distributed upon maturity based on agreed Profit Sharing Ratio (PSR).
This Investment Account is not protected by Perbadanan Insurans Deposit Malaysia
Term Investment Account-i (TIA-i)
Shariah Concept
Mudarabah
Type of Investment
Unrestricted Investment Account
Eligibility Criteria
- Individuals or Joint Accountholders aged 18 years and above (residents and non-residents)
1,3,6,9,12,18 or 24 months
Minimum Investment
RM 1000.00 (Ringgit Malaysia One Thousand)
Features / Benefit
| No. | RENEWAL OPTION | DESCRIPTION | PLACEMENT CHANNEL |
| 1. | Auto Renewal |
|
Applicable to both OTC & RIB/MIB |
|
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| 2. | No Rollover |
|
Applicable to OTC only |
Indicative Profit Rate
Over the Counter (OTC) placement at branches
| Tenure | Board Rate* | Campaign Rate** |
| Indicative Profit Rate (% per annum) | ||
| 1 Month | 2.70 % | Not applicable |
| 3 Month | 2.85 % | 3.68 % |
| 6 Month | 2.90 % | 3.83 % |
| 9 Month | 2.90 % | Not applicable |
| 12 Month | 2.90 % | 4.10 % |
| 18 Month | 2.90 % | Not applicable |
| 24 Month | 2.95 % | Not applicable |
*Effective 12 August 2024
**Effective 1 April 2025 until 30 June 2025
Online placement via MJourney
| Tenure | Board Rate* | Campaign Rate** |
| Indicative Profit Rate (% per annum) | ||
| 1 Month | Not applicable | Not applicable |
| 3 Month | Not applicable | 3.68 % |
| 6 Month | Not applicable | 3.83 % |
| 9 Month | Not applicable | Not applicable |
| 12 Month | Not applicable | 4.10 % |
| 18 Month | Not applicable | Not applicable |
| 24 Month | Not applicable | Not applicable |
*Effective 12 August 2024
**Effective 1 April 2025 until 30 June 2025
Important Note:
- After the expiry of the campaign rate tenure, the rate will revert to the board rate of same tenure.
- The Profit Sharing Ratio (PSR) will be as per Terms and Condition (T&C). The customers agree that The Bank may revise the PSR during the tenure of Mudarabah contract for the benefit of the customer, without the customers’ prior consent.
- The indicative profit rate indicates the potential return that customers may receive. It does not represent the actual profit return, which will be reflected in the fund performance report.
- The principal and returns are not guaranteed, and the customers risk earning no returns at all.
- The principal is not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
Disclaimer
The returns on this investment account will be affected by the performance of the underlying assets. The principal and returns are not guaranteed and the Investment Account Holder (“IAH”) (Customer) risks earning no returns at all. If the investment is redeemed early, Customer may suffer losses in part or of the entire principal sum invested. This investment account is not protected by Perbadanan Insurans Deposit Malaysia.
Educational Video
Documents Download
Terms and Conditions v1.0 Terms and Conditions v2.0 Product Disclosure Sheet Frequently Asked Questions Account Opening Application Form Individual Account Opening Form Joint TrustFund Performance Report
Q1 2025 Q4 2024 Q3 2024