Ar-Rahnu

Ar-Rahnu Tawarruq is a short term financing where the customer will pledge a gold as Pawning Asset against the given financing.


Eligibility

  • Individuals aged 18 years and above as follows:
    • Malaysian citizen; or
    • Permanent resident status.
  • Must have an Identity Card.
  • Must have a local contact telephone number and address.
  • Not a bankrupt.

Gold Standard

  • 999 (24 Carat)
  • 950 (23 Carat)
  • 916 (22 Carat)
  • 875 (21 Carat)
  • 835 (20 Carat)
  • 750 (18 Carat)

Financing Amount

  • Margin of up to 80% from Pawning Asset Value
  • Normal Package
    • Minimum amount is RM100.
    • Maximum amount is RM250,000
  • Traders Package
    • Minimum amount is RM30,000
    • Maximum amount is RM1,000,000

Financing Period

  • Maximum facility period of 18 month.
  • Customer has to settle Total Profit for every 6 month of Pawning Period.
  • Customer reserves the right to make a full settlement and redeem the Pawning Asset at any of the Pawning Periods

Profit Rate

Profit rate will be charged based on Gold Value upon transaction is made.


Pledged Asset

  • Must be in the form of gold/jewellery such as bars, bracelets, chains, etc.
  • Must be fully owned by the customer.

Pledged Asset Valuation Criteria

Gold Type

Description

Value

New gold Gold bars Note: Not exceeding 300 grams per gold bar Current value
Used gold Used gold Current value
Gold with stones Gold with gemstones The weight of the stones will be determined based on the size and will be deducted from the total price

Gold Price for Ar-Rahnu

Gold Grade Gold Price/ Gram (MYR)
750 (18K) 386.61
835 (20K) 438.16
875 (21K) 453.63
916 (22K) 469.09
950 (23K) 494.87
999 (24K) 515.49

Effective update:

29 August 2025; 9:00am


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Product Disclosure Sheet (PDS)

Click here to download Product Disclosure Sheet (Malay Version) effective on 5 August 2025

Click here to view Product Disclosure Sheet (PDS)