CIMB Islamic Fixed Return Income Account-i Maturity Returns

This fixed investment account offers you flexible tenures as well as attractive pre-determined and fixed profit rates. Ideal for those who are keen to invest following Shariah principles.

CIMB Islamic Fixed Return Income Account-i Maturity ReturnsLump Sum Profit
Min. Deposit
RM1,000
Auto-renewal
Yes
Daily Interest
No
Early Withdrawal
No

Fixed Deposit Calculator

Profit Rate

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

You DepositDeposit PeriodEffective Profit Rate
min. RM5,0001 month1.5% p.a.
min. RM1,0002 months1.65% p.a.
RM10,000 - RM500,0003 to 5 months1.7% p.a.
min. RM1,0006 to 11 months1.8% p.a.
min. RM1,00012 to 35 months1.85% p.a.
min. RM1,00036 to 47 months1.9% p.a.
min. RM1,00048 to 59 months2% p.a.
min. RM1,00060 months2.1% p.a.

Fees & Charges

Lost of Fixed Deposit Certificate
  • RM10 Service Charge
Additional Statement Request
RM2 per document

Requirements

Minimum Age
  • 18 years old
Who can apply
  • Any nationality
  • Associations
  • Clubs and Societies
  • Companies
  • Cooperatives
  • Government

More Information

What is CIMB Islamic FRIA-i Maturity Returns?

This CIMB Islamic FRIA-i Maturity Returns is a Shariah-compliant deposit investment account going by the principles of Tawarruq and Murabahah with Commodity Murabahah, where you appoint CIMB Islamic as your agent to trade Shariah-compliant commodities on your behalf. 

The profits earned are shared between you and CIMB Islamic according to the pre-agreed profit sharing ratio. 

The rates are predetermined and fixed and will be stated in your investment certificate.

This account is open to individuals who are aged 18 and above, residents or non-residents. 

It is open to business enterprises, association, society and clubs as well. You need at least RM1,000 to open this account and you can select from one month up to 60 months. 

For a one-month investment, the minimum deposit is RM5,000. The Investment Certificate can be used as security for loans-related products with CIMB or CIMB Islamic.

How do I get to collect my profits?

With CIMB Islamic FRIA-i Maturity Returns, you can collect your profit as well as your initial investment on the maturity date, thus the. 

If you place more than 12 months tenure, you can choose to collect every six months or on the maturity date.

Can I withdraw cash from my fixed deposit?

You may withdraw your money partially from this fixed deposit account before it reaches maturity. However, you will not receive a profit payment. 

Same goes if you wish to uplift the deposit before the completion of its term.

How do I open this FRIA-i Maturity Returns with CIMB Islamic?

For an Individual, you need your Identification Card or passport if you are foreigner, that's all!

For a Sdn Bhd, you must present a certified copy of your company’s Memorandum and Association, Form 24 & 49, and a company’s resolution to open this account as well as photocopies of all authorised signatories’ Identification Card.

For Sole Proprietors or Partnership, you need the business registration form and photocopies of all authorised signatories’ Identification Card.

For associations/societies/clubs, you need certified copy of your organisation’s resolution, authority letter, rules and regulations and copies of identity cards of all authorised signatories.

Is this CIMB Islamic FRIA-i Maturity Returns secured?

Yes. It is insured automatically by PIDM for the lost of your investment in case of bank’s failure, up to RM 250,000 per person per bank.