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
Profit Margin |
|||
---|---|---|---|
Personal Financing – Non Package | 1-3 years : 6.0% p.a. (Flat) | 4-8 years : 6.8% p.a (Flat) | 9-10 years : 7.0% p.a. (Flat) |
Standardised Based Rate (SBR)
Standardised Based Rate (SBR) – Effective 5 May 2023
3.00% p.a.
Base Rate (BR)
Base Rate (BR) – Effective 5 May 2023
3.77% p.a.
Base Financing Rate (BFR)
Base Financing Rate (BFR) – Effective 5 May 2023
6.72% p.a.
Click here for Historical Benchmark Cost of Fund (COF) – Effective 5 May 2023
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 1 April to 30 April 2025 |
|
Wafiyah Investment Account: | |
1 Month | 2.50* |
2 Months | 2.50* |
3 Months | 2.65* |
4 Months | 2.65* |
5 Months | 2.65* |
6 Months | 2.70* |
7 Months | 2.70* |
8 Months | 2.70* |
9 Months | 2.70* |
10 Months | 2.70* |
11 Months | 2.70* |
12 Months | 2.70* |
15 Months | 2.75* |
18 Months | 2.75* |
21 Months | 2.75* |
24 Months | 2.75* |
* 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 March to 15 April 2025 |
|||
iGain – Individual |
|||
1,000 to 49,999.99 | 3.39 | 96.61 | 0.15 |
50,000 to 249,999.99 | 28.28 | 71.72 | 1.25 |
250,000 to 499,999.99 | 40.72 | 59.28 | 1.80 |
500,000 to 999,999.99 | 45.25 | 54.75 | 2.00 |
1,000,000 and above |
52.04 |
47.96 | 2.30 |
Profit Sharing Ratio from 16 March to 15 April 2025 |
|||
iGain SME |
|||
2,000 to 49,999.999 |
2.26 | 94.74 | 0.10 |
50,000 to 199,999.999 | 24.89 | 75.11 | 1.10 |
200,000 and above |
28.28 | 71.72 | 1.25 |
Treasury Products |
Rate % p.a |
---|---|
Return on Asset (ROA) from 16 March to 15 April 2025 | |
Wafiyah Term Investment Account | 4.30 |
Profit Rates for Al-Awfar Investment Account-i maturing from 16 March to 15 April 2025
Period |
PSR Customer : Bank |
Rate % p.a |
---|---|---|
1 month | 24 : 76 | 0.79 |
3 months | 26 : 74 | 0.80 |
6 months | 28 : 72 | 0.86 |
9 months | 29 : 71 | 0.88 |
12 months | 31 : 69 | 0.94 |
15 months | 32 : 68 | 0.97 |
18 months | 33 : 67 | 1.00 |
21 months | 33 : 67 | 1.00 |
24 months | 33 : 67 | 0.99 |
36 months | 35 : 65 | 1.04 |
48 months | 37 : 63 | 1.07 |
60 months & above | 39 : 61 | 1.10 |
Ta’widh Rate (Expired Facility)
Prevailing IIMM Rate
(Not Expired Facility)
1.00
Term Deposit-i (Tawarruq) Rates from 1 April to 30 April 2025
Period |
Rate % p.a |
---|---|
1 month | 2.30 |
2 months | 2.30 |
3 months | 2.45 |
4 months | 2.45 |
5 months | 2.45 |
6 months | 2.50 |
7 months | 2.50 |
8 months | 2.50 |
9 months | 2.50 |
10 months | 2.50 |
11 months | 2.50 |
12 months | 2.50 |
15 months | 2.55 |
18 months | 2.55 |
21 months | 2.55 |
24 months | 2.55 |
36 months | 2.60 |
48 months | 2.60 |
60 months | 2.60 |
Special TDT-i TWQ | Please refer to Treasury |