Agrobank AgroCash-i

Open to government employees and GLC staff, borrow for up to 10 years at competitive rates and start pursuing your agricultural dreams with Agrobank

    • Financing up to RM200k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for Agrobank AgroCash-i

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Agrobank AgroCash-i

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Agrobank website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

Not the personal financing you're looking for? Did you know you can compare all the personal financing in Malaysia?

Profit rates

How much the bank charges you based on your financing amount & financing period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM1000 - RM20000012 to 120 monthsmin. RM120006.7 - 7.2% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 6.7% p.a. to 7.2% p.a. , depending on financing amount and period
Processing Fee
RM30.00, subject to 6% service tax (if applicable)
Stamp Duty
0.5% of the whole amount
Early Termination Fee
Late Payment Charge
1% from current outstanding amount
Mode of Payment
You must pay your financing installment by salary deduction.
Optional Takaful coverage with this financing


Are you eligible for this personal financing?

Minimum annual income
Minimum age
18 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Government employee
  • Government-Linked Company employee

Frequently Asked Questions about Agrobank AgroCash-i

Things you might want to know

Start sowing the seeds for your business and realize your dream of becoming a successful agropreneur in Malaysia with the help of Agrobank AgroCash-i, an unsecured personal financing for agriculture and agro-based activity.

Who can apply for AgroCash-i personal financing?

This Islamic personal loan is open to both PERMANENT government servants and selected government linked companies' employees. To qualify for AgroCash-i personal financing, you must meet the following requirements:

CriteriaGovernment Employee GLC Staff
Age18 to 60 years old21 to 60 years old
Monthly IncomeRM1,000 and aboveRM2,000 and above
Duration of Employment> 6 months of service (confirmed or under probation)> 1 year of service
BPA Deduction< 60% of gross monthly income< 50% of gross monthly income

How much can I borrow from AgroCash-i personal financing?

The maximum amount you can borrow from AgroCash-i is RM200,000, both for government servants and GLC emloyees.

Applicant working in the government sector will enjoy competitive profit rates between 6.70% p.a. to 7.20% p.a., whereas GLC employees will also get different profit rates such as below:

TenureProfit Rate
12 to 36 months BR + 3.22% p.a.
48 to 120 months BR + 3.67% p.a.

Note: Agrobank current Islamic Base Rate is at 3.85%

Agrobank takes into account your credit history before determining your profit charges. This is to see whether you have been keeping up with your loan repayments and has a clean status (no restructuring / refinancing of loan). 

AgroCash-i personal financing does not only offers a higher financing limit and longer repayment tenures up to 10 years, but also promises you a fast approval application, provided you have met all borrowing requirements.

What are the fees and charges?

There is no processing fee for AgroCash-i personal financing. However, Agrobank charges you a Brokerage Fee of RM30 to facilitate each Tawarruq transaction.

Your financing amount will also be subjected to an Advance Payment which is equal to 3-month instalment and a government stamp duty of 0.5%, both are deductible from the total approved financing amount.

How do I pay for my monthly instalment?

Your monthly instalment will be deducted directly from your salary account via Biro Perkhidmatan Angkasa (BPA) for an easy and hassle free repayment. You can make an early settlement of your AgroCash-i personal financing at zero penalty. In fact, Agrobank will grant you an Ibra' (rebate).

Do I need a Takaful coverage?

You are advised to sign up for Skim Takaful Kredit to cover for the liability of indebtedness in the event of death or permanent disablement. You can apply for a Takaful coverage via Agrobank's panel of Takaful providers or your own choice.

What documents are required to apply for AgroCash-i personal financing?

There are a few documents that you would need before making your way to the nearest Agrobank branch:

  • Copy of MyKad
  • Latest 3-months salary slip
  • Latest 3-months bank statement from salary crediting account
  • Confirmation Letter from Employer

Am I qualified to apply for Agrobank personal financing if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles.

Agrobank is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

Read More