Agrobank Fixed Return Investment Account-i 45 Plus

Start your retirement fund as soon as you turn the age of 45. Live comfortably during your golden years knowing that you have money in the bank!

Agrobank Fixed Return Investment Account-i 45 Plus
Min. Deposit
Daily Interest
Early Withdrawal

Fixed Deposit Calculator

Profit Rate

What you earn based on the amount that you have in your account

You DepositDeposit PeriodEffective Profit Rate
min. RM1,0006 months2.78% p.a.
min. RM1,00012 months2.85% p.a.
min. RM1,00024 months2.9% p.a.
min. RM1,00036 months2.92% p.a.

Fees & Charges

Lost of Fixed Deposit Certificate
  • RM10 Indemnity Stamp Duty
  • RM5 Service Charge
Additional Statement Request
RM5 per document


Minimum Age
  • 45 years old
Who can apply
  • Malaysians
  • Foreigners

More Information

What is Agrobank Fixed Return Investment Account-i 45 Plus?

The Agrobank Fixed Return Investment Account-i 45 Plus is a fixed deposit account for customers over the age of 45.

Of course, it is also a Shariah-compliant deposit account adopting the concept of Tawarruq. It is available to both individual and joint account holders.

How does it work?

Well, this deposit account requires a minimum of RM1,000 for an initial deposit. 

The profit rates for this account range from 2.78% to 2.92% p.a. and you have options when it comes to how you’d like to receive the profit.

For the minimum deposit of RM1,000, you can take tenures of 6 months up to 36 months. 

If this is the option you are going for, you can choose to have your profits credited to you on a monthly, half-yearly or annual basis, or you could just opt to receive them upon the maturity of your tenure.

However, you can also choose to make a deposit of RM5,000 for a 6 or 12-month period and have your profit paid upfront on the day you make your placement.

Any other important information I need?

Yes! Please take note of the minimum age for this product, it also applies to joint account holders. 

The primary account holder should be at or over the age of 45. Of course, your account should be joint with someone of legal age as well, 18 at least.

Also, in the case you wish to make a premature withdrawal of your deposit, before the 3-month mark, you will have to bear a brokerage fee of RM50 or 0.05% of the total investment. Whichever is lower.

Lastly, for any replacement for your Deposit Statement or Certificate, there is a small charge of RM5.

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