Agrobank AgroCash-i

Open for those working in the government or government linked companies ( GLC). Borrow the cash you need for up to 10 years with Takaful protection.

    • 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.: -%

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM1000 - RM20000012 to 36 monthsRM12000 to 360006.45% p.a.
RM1000 - RM20000048 to 120 monthsRM12000 to 600006.95% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 6.45% p.a. to 6.95% p.a. , depending on financing amount and period
Stamp Duty
0.5% of the whole amount
Late Payment Charge
1% from current outstanding amount
Mode of Payment
You must pay your financing installment by salary deduction.
You must take takaful insurance 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
  • Contract Government employee

Frequently Asked Questions about Agrobank AgroCash-i

Things you might want to know

What do I need to know about the Agrobank AgroCash-i?

This loan from Agrobank will allow you to borrow money at affordable interest rates for your own personal use or to start sowing the seeds for your business! 

You can service your monthly instalments via Biro Perkhidmatan Angkasa (BPA) for easy and hassle free repayments for up to a maximum of 10 years. You can opt for a lower flat interest rate, or a floating rate loan - potentially lowering your interest payments in the future.

Additionally, Takaful insurance protection is compulsory.

Who can apply for this loan?

This personal loan is open to both government servants and those working at selected government linked companies.

Government employees

  • BPA deduction of no more than 60% of your monthly income
  • Open to those aged 18 to 60 years old.
  • Only need a minimum income of RM1,000 per month

GLC employees

  • BPA deduction of no more than 50% of your salary
  • Eligible applicants must be between 21 to 60 years old
  • You will nee at least RM2,000 in monthly income

How much can I borrow from Agrobank?

For government servant, you can borrow up to a limit of RM200,000. But of course, that would depend on a thorough credit check and your monthly income.

As for those working in government-linked companies, you may borrow up to 10x times your gross salary, or based on the maximum financing limit of RM100,000. You will also get different profit rates:

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

Note: Agrobank current Base Rate is at 3.6%

What do I need to apply for this personal loan?

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

  • Photocopy of Identity Card
  • Photocopy of latest three (3) months payslip
  • Employer’s Confirmation Letter
  • Bank statement where the salary being credited

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