BSN MyRinggit-i PRIMA

Need help financing your new clinic? This personal loan is especially for medical doctors and medical officers in the government and private sectors.

BSN MyRinggit-i PRIMAFor Medical Practitioners
Profit Rate
from 6.5% p.a.
up to RM400k
up to 10 years
Loan Type
Unsecured Islamic Financing
Min. Income

Loan calculator

Profit rates

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

Financing ValueFinancing periodYour incomeProfit Rate
RM10,000 - RM400,00012 to 120 monthsmin. RM36,0006.5% p.a.

Fees & Charges

Profit Rate / APR
As low as 6.5% p.a., depending on financing amount and period
Processing Fee
RM30, for Wakalah Fee (inclusive of Brokerage Fee)
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 65 years old
Who can apply
  • Malaysians
  • Government employee
  • Medical Practitioner
  • Salaried Employee
  • Accountant

More Information

What is this BSN MyRinggit-i PRIMA about?

For aspiring doctors, nurses, pharmacists and even accountant, plus many other medical practitioners out there, BSN Aflah Prima Personal Financing-i (now BSN MyRinggit-i PRIMA) is your go-to personal financing to jump start your own healthcare facility, whether a pharmacy, medical center or hospital.

This Islamic personal financing works just as good as a business loan but with added values such as no guarantor or collateral required in addition to a competitive flat profit rate chargeable throughout the borrowing period.

Who can apply for this Islamic personal loan from BSN?

This Islamic personal loan is specially tailored for medical practitioners with a valid certificate issued by the Malaysian Medical Council, and accountant recognised by the Malaysian Institute of Accountants (MIA).

Only Malaysian citizens aged between 21 years to 65 years (for Medical Doctors) or 50 years (for Medical Officers) can apply for BSN MyRinggit-i PRIMA.

Whether you are employed in the government or private sector, the minimum gross income requirement is RM3,000 per month.

How much money can I borrow?

BSN MyRinggit-i PRIMA offers a higher financing limit of up to RM400,000, where you can borrow from as low as RM10,000 and get charged with a flat profit rate for the whole tenure, which is flexible between 2 to 10 years.

This total amount of financing is, of course, subject to a government Stamp Duty of 0.50%. There is no processing fee under this Islamic financing.

Do I need a Takaful coverage?

Takaful contribution coverage is optional for this Islamic personal financing.

Should you want to have an extra peace of mind, you can include Cash Protection-i Scheme for a one-time charge of RM318.

What is my monthly commitment?

You start repaying your monthly instalment on the date stated in the BSN's personal financing table, which is one month following the date you received the money. 

Instalments must be paid every month as per the schedule until the end of the financing tenure.

Once your personal financing is approved, you will be enrolled into BSN Giro or Giro-i account (if you don't have one yet). 

Your monthly instalments will automatically be deducted from this account via Standing Instruction.

You are allowed to make an early settlement of your BSN MyRinggit-i PRIMA at any time by giving BSN a written notice. 

There is no penalty for early settlement, however an Ibra' (rebate) will be granted to you.

What documents do I need to prepare for BSN MyRinggit-i PRIMA application?

You first need to complete the application form. Upon submission, you will also need to provide these supporting documents:

For salary earner:

  • Copy of MyKad (front and back)
  • Latest 2-months payslips
  • Letter of confirmation from employer
  • Certificate of Registration with MMC / MDC, or extraction of practitioner information from MMC / MDC website
  • Any document to prove Accountants are recognised by MIA
  • Latest 3-months bank statement of salary crediting account

For sole proprietorship / partnership:

  • Copy of MyKad (front and back)
  • Business registration
  • Latest 6-months bank statement
  • Latest annual income statement (EA/EC, e-B/e-BT form) with payment receipt
  • Latest 1-year financial statement
  • Certificate of Registration with MMC / MDC, or extraction of practitioner information from MMC / MDC website
  • Any document to prove Accountants are recognised by MIA

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

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal financing, home financing or car financing 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.

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