Deposit & Financing Rates
FINANCING RATES
Property Financing-i (Tawarruq) – Baiti Home Financing
For latest financing rates on Baiti Home Financing, kindly contact your nearest Bank Islam branch.
Property Financing-i (Tawarruq) – Wahdah Home Refinancing
For latest financing rates on Wahdah Home Financing, kindly contact your nearest Bank Islam branch.
Vehicle
Currently under maintenance. Updates coming soon.
Personal Financing
For latest Personal Financing rates, kindly contact your nearest Bank Islam branch.
Standardised Based Rate (SBR)
Standardised Based Rate (SBR) – Effective 10 July 2025
2.75% p.a.
Base Rate (BR)
Base Rate (BR) – Effective 10 July 2025
3.52% p.a.
Base Financing Rate (BFR)
Base Financing Rate (BFR) – Effective 10 July 2025
6.47% p.a.
Click here for Historical Benchmark Cost of Fund (COF) – Effective 10 July 2025
INVESTMENT RATES
Al-Awfar |
Profit Sharing Ratio (PSR) |
|
---|---|---|
Investment Account Holder (%) | Bank (%) | |
Effective 16 February 2025 until further notice |
1 |
99 |
Personal Banking Products |
Rate % p.a |
---|---|
Profit Rates from 10 July to 31 July 2025 |
|
Wafiyah Investment Account: | |
1 Month | 2.15* |
2 Months | 2.15* |
3 Months | 2.30* |
4 Months | 2.30* |
5 Months | 2.30* |
6 Months | 2.35* |
7 Months | 2.35* |
8 Months | 2.35* |
9 Months | 2.35* |
10 Months | 2.35* |
11 Months | 2.35* |
12 Months | 2.35* |
15 Months | 2.40* |
18 Months | 2.40* |
21 Months | 2.40* |
24 Months | 2.40* |
* the rates displayed above are based on expected rate p.a.
Balance (RM) |
Profit Sharing Ratio (PSR) |
Indicative Rate (% p.a) |
|
Investment Account Holder (%) |
Bank (%) |
||
Profit Sharing Ratio from 16 July to 15 August 2025 |
|||
iGain – Individual |
|||
1,000 to 49,999.99 | 3.37 | 96.63 | 0.15 |
50,000 to 249,999.99 | 28.09 | 71.91 | 1.25 |
250,000 to 499,999.99 | 40.45 | 59.55 | 1.80 |
500,000 to 999,999.99 | 44.94 | 55.06 | 2.00 |
1,000,000 and above |
51.69 |
48.31 | 2.30 |
Profit Sharing Ratio from 16 July to 15 August 2025 |
|||
iGain SME |
|||
2,000 to 49,999.999 |
2.25 | 97.75 | 0.10 |
50,000 to 199,999.999 | 24.72 | 75.28 | 1.10 |
200,000 and above |
28.09 | 71.91 | 1.25 |
Treasury Products |
Rate % p.a |
---|---|
Return on Asset (ROA) from 16 July to 15 August 2025 | |
Wafiyah Term Investment Account | 4.56 |
Profit Rates for Al-Awfar Investment Account-i maturing from 16 July to 15 August 2025
Period |
PSR Customer : Bank |
Rate % p.a |
---|---|---|
1 month | 24 : 76 | 0.74 |
3 months | 26 : 74 | 0.80 |
6 months | 28 : 72 | 0.87 |
9 months | 29 : 71 | 0.89 |
12 months | 31 : 69 | 0.95 |
15 months | 32 : 68 | 0.98 |
18 months | 33 : 67 | 1.01 |
21 months | 33 : 67 | 1.00 |
24 months | 33 : 67 | 1.00 |
36 months | 35 : 65 | 1.05 |
48 months | 37 : 63 | 1.08 |
60 months & above | 39 : 61 | 1.12 |
Ta’widh Rate (Expired Facility)
Prevailing IIMM Rate
(Not Expired Facility)
1.00
Term Deposit-i (Tawarruq) Rates from 10 July to 31 July 2025
Period |
Rate % p.a |
---|---|
1 month | 1.95 |
2 months | 1.95 |
3 months | 2.10 |
4 months | 2.10 |
5 months | 2.10 |
6 months | 2.15 |
7 months | 2.15 |
8 months | 2.15 |
9 months | 2.15 |
10 months | 2.15 |
11 months | 2.15 |
12 months | 2.15 |
15 months | 2.20 |
18 months | 2.20 |
21 months | 2.20 |
24 months | 2.20 |
36 months | 2.25 |
48 months | 2.25 |
60 months | 2.25 |
Special TDT-i TWQ | Please refer to Treasury |