Personal Financing-i Raya 2021 Campaign

Campaign Period

19 April 2021 – 19 July 2021

Shariah Concept


Payment Plan(s)

This Campaign offers two (2) Payment Plan(s) option:

  1. Standard Payment Plan
    Normal payment plan at competitive profit rate of BR+2.20%.
  2. Cash Back Payment Plan
    Cash Back payment plan at competitive profit rate of BR + 3.35%.
    • The Bank will provide a Cash Back amount equivalent up to 50% of the 1st year instalment payments.
    • The quantum will be calculated and credited based on the 1st instalment amount upon disbursement of the facility.


  1. BR is currently at 2.65%
  2. Ceiling Profit Rate is at 15% p.a.


  • Must be a Malaysian Citizen of at least 19 years old (Public Sector)/ 21 years old (Private Sector) and not exceeding 60 years old upon the expiry of the facility or opted retirement age, whichever comes first;
  • Permanent/ contract employee of Government, GLCs, local councils and selected private companies having salary deduction arrangements with the Bank;
  • Minimum monthly income of RM3,000 (inclusive of gross salary, fixed allowance and other non-fixed income);
  • Must open CASA-i with the Bank;
  • Must subscribe to Group Credit Family Takaful (GCFT) coverage and another Banca Takaful/ Wealth products with the Bank;
  • AM-PM disbursement’ applies for any complete PF-i applications submitted before 12.00 p.m. will be disbursed on the same day. Any applications submitted after 12.00 p.m. will be disbursed on the next working day.

Financing Amount

Minimum: RM10,000
Maximum: RM400,000


Minimum: 3 years
Maximum: 10 years

Lock in period / Exit penalty

For Cash Back Payment Plan, a lock in period of 3 years starting from the disbursement date will be imposed.

In the event the PF-i facility is redeemed or settled within the lock in period, the Bank will claw back the total Cash Bank amount granted to Customer

Payment Method(s)

Only through salary deduction via Biro ANGKASA, Accountant General (AG) or Employer.

Payment Table(s)

Campaign Terms and Conditions apply.

To view / download Campaign Terms and Conditions, click here

To view / download the Product Disclosure Sheet (PDS), click here

To view / download the Campaign Flyer, click here

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