RHB Pensioner Personal Financing-i

Exclusively for pensioners of Malaysian government servant, achieve your retirement goals with a flat rate Islamic personal financing - no guarantor is required!

RHB Pensioner Personal Financing-iFlat 5.25% p.a.
Profit Rate
from 5.25% p.a.
up to RM100k
up to 10 years
Loan Type
Unsecured Islamic Financing
Takaful Insurance
Min. Income

Loan calculator

Profit rates

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

Financing ValueFinancing periodYour incomeProfit Rate
RM5,000 - RM100,00036 to 120 monthsmin. RM9,0005.25% p.a.

Fees & Charges

Profit Rate / APR
As low as 5.25% p.a., depending on financing amount and period
Processing Fee
RM30, for Brokerage Fee
Stamp Duty
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount
You must take takaful insurance with this financing


Minimum Annual Income
Minimum Age
  • 40 to 70 years old
Who can apply
  • Malaysians
  • Pensioner

More Information

Why should I apply for RHB Pensioner Personal Financing-i?

Achieve your lifelong dream in your retirement years with an unsecured personal financing, offering up to RM100,000 financing and charging a flat profit rate of 5.25% p.a. for the whole period of borrowing between 3 to 10 years. 

You may want to start a small business, or sail across the Melaka Straits, or renovate your house to accommodate more family members, RHB personal financing helps you kick start your retirement goals!

How much will this Islamic personal loan cost me?

Not much. You only need need to pay a Brokerage Charge of RM30, statutory Stamp Duty of RM10.

After your personal financing application has been reviewed and approved, your money will then be transferred to your Savings Account or Current Account maintained with RHB Islamic Bank.

What is my monthly commitment?

RHB Islamic Bank will provide you with a repayment table detailing the approved borrowing amount and selected tenure of financing.

You are obligated to meet your instalment payment on time every month.

If you pay your instalment after the due date, RHB Islamic Bank will charge you a late payment fee of 1% of the outstanding balance.

You can also make excess payment, i.e. advance payment on your monthly instalment. 

However, if you encounter any difficulty in meeting your obligations, you are advised to contact RHB Islamic Bank to discuss payment alternatives.

Can I settle my RHB Islamic personal loan off early?

There is no penalty for early settlement, provided that you inform RHB Islamic Bank with a 1-month notice before terminating your Islamic financing facility.

In fact, you will be granted with Ibra’ (rebate) based on the profits calculation and any applicable early settlement charges.

Do I need a Takaful coverage?

Like it or not, a Takaful coverage is compulsory for this Islamic personal financing facility.

You can sign up for a Takaful plan with RHB Islamic Bank's panels or Takaful providers of your choice.

On the bright side, this Takaful coverage is beneficial in the event you have lost capability to meet your outstanding payments due to total permanent disability and death.

What documents are required to apply for RHB Pensioner Personal Financing-i?

To approve your personal financing application, RHB Islamic Bank requires you to fill up an application form and submit together with supporting documents such as:

  • 2 copies of MyKad (front and back)
  • 2 copies of Malaysia Government Pensioner Card or Army Pensioner Card
  • 2 copies of latest RHBIB bank statements
  • 1 copy of Pensioner statement (JPA) or Ledger Pensioner (JHEV)

Am I qualified to apply for this RHB Islamic personal loan 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.

RHB Islamic Bank is more likely to approve your RHB Pensioner Personal Financing-i application if you can show that you are managing your personal finances, rather than accumulating more debt.

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