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 July to 31 July 2025
Wafiyah Investment Account:  
1 Month 2.40*
2 Months 2.40*
3 Months 2.55*
4 Months 2.55*
5 Months 2.55*
6 Months 2.60*
7 Months 2.60*
8 Months 2.60*
9 Months 2.60*
10 Months 2.60*
11 Months 2.60*
12 Months 2.60*
15 Months 2.65*
18 Months 2.65*
21 Months 2.65*
24 Months 2.65*

* 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 June to 15 July 2025

iGain – Individual
1,000 to 49,999.99 3.40 96.60 0.15
50,000 to 249,999.99 28.34 71.66 1.25
250,000 to 499,999.99 40.82 59.18 1.80
500,000 to 999,999.99 45.35 54.65 2.00

1,000,000 and above

52.15

 47.85 2.30

Profit Sharing Ratio from 16 June to 15 July 2025

iGain SME

2,000 to 49,999.999

 2.27 97.73 0.10
50,000 to 199,999.999 24.94 75.06 1.10

200,000 and above

 28.34 71.66 1.25

Treasury Products

Rate % p.a

Return on Asset (ROA) from 16 June to 15 July 2025

Wafiyah Term Investment Account 4.51

Profit Rates for Al-Awfar Investment Account-i maturing from 16 June to 15 July 2025

Period

PSR Customer : Bank

Rate % p.a
1 month 24 : 76 0.73
3 months 26 : 74 0.80
6 months 28 : 72 0.86
9 months 29 : 71 0.89
12 months 31 : 69 0.95
15 months 32 : 68 0.97
18 months 33 : 67 1.00
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 1.11

Ta’widh Rate (Expired Facility)

Prevailing IIMM Rate

(Not Expired Facility)

1.00

Term Deposit-i (Tawarruq) Rates from 1 July to 31 July 2025

Period

Rate % p.a
1 month 2.20
2 months 2.20
3 months 2.35
4 months 2.35
5 months 2.35
6 months 2.40
7 months 2.40
8 months 2.40
9 months 2.40
10 months 2.40
11 months 2.40
12 months 2.40
15 months 2.45
18 months 2.45
21 months 2.45
24 months 2.45
36 months 2.50
48 months 2.50
60 months 2.50
Special TDT-i TWQ Please refer to Treasury