Public Bank Islamic Term Deposit-i

This is a Shariah-compliant term deposit investment account with flexible tenure of up to 60 months. Earn attractive returns based on predetermined rates.

Public Bank Islamic Term Deposit-i
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. RM5,0001 month2.5% p.a.
min. RM1,0002 months2.55% p.a.
min. RM1,0003 to 5 months2.65% p.a.
min. RM1,0006 to 60 months2.7% p.a.

Fees & Charges

Lost of Fixed Deposit Certificate
  • RM10 Indemnity Stamp Duty
  • RM5 Service Charge
Additional Statement Request
RM2 per document


Minimum Age
  • 18 years old
Who can apply
  • Malaysians
  • Permanent residents

More Information

What is Public Islamic Term Deposit-i?

This investment is based on the Islamic principles of Mudharabah, a profit/dividend-sharing concept.

It is open to anyone, individuals who are 18 years old and above.

The tenure can be for a period of one month up to 60 months, with no maximum limit for your deposit amount. You need RM1,000 for two months or more tenure, and RM5,000 for one month to sign up.

Profit made from this term deposit account will be distributed between the customer and the Bank at the agreed predetermined ratio.

Can I withdraw the investment account before maturity and can I recover some profit?

Yes, if you withdraw the investment after the completion of at least 1 month, the profit payable shall be 75% of the profit earned. However, you are not allowed to do partial withdrawal.

Who can apply and how do I open this Public Islamic Term Deposit-i?

This investment account is open to everyone. You are required to have a Savings or Current account with Public Bank too. To open a Saving Account, you need a minimum RM20 deposit.

Is this investment covered by deposit insurance?

Yes, it is eligible for protection by PIDM for up to RM250,000 of your total deposits.

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