Fast approved Islamic personal financing payable via Biro Perkhidmatan Angkasa deduction for civil servants. Enjoy higher financing limit, lower tiered profit rates and UkhwahCare membership entry!

UKHWAH Cash-iBPA Deduction
Profit Rate
From 4.35% p.a.
up to RM250k
up to 10 years
Loan Type
Unsecured Islamic Financing
Min. Income

Loan calculator

For illustration purposes only. The final loan amount, monthly repayment, plus the interest rates are subject to the bank's assessment and approval.

Profit rates

Based on your loan amount & loan period, the profit rates are as low as the following

Financing ValueFinancing periodYour IncomeProfit Rate
RM2,000 - RM250,00024 to 120 monthsmin. RM18,0004.35% p.a. - 4.99% p.a.

Fees & Charges

Profit Rate / APR
As low as 4.35% p.a.,depending on financing amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
Mode of Payment
You must pay your financing installment by salary deduction


Minimum Annual Income
Minimum Age
  • 19 to 56 years old
Who can apply
  • Malaysians
  • Government employee
  • GLC employee
  • Statutory Body employee
  • DBKL employee

More Information

Tell me about UKHWAH Cash-i.

UKHWAH Cash-i is an Islamic personal loan that follows the guideline of Shariah law. 

UKHWAH Cash-i is not a common personal loan product you can find in the mainstream market for several reasons:

First off, it is offered via Koperasi UKHWAH Malaysia Berhad (Ukhwah), a licensed cooperative under Akta 502 (Akta Koperasi 1993) Malaysia. 

Unlike banks, cooperative tend to be more lenient when assessing their applicant, as long as you meet the minimum requirements. 

Then, it offers a higher financing limit, longer repayment tenures and charges fixed profit rates - very much like what banks do but without the occasional base rate revision.

How much can I borrow from UKHWAH Cash-i?

You can borrow any amount between RM2,000 to RM250,000, and repay them over flexible tenures, from 2 years to 10 years. 

Once your UKHWAH Islamic personal loan has been approved, you will receive up to 90% of the total amount applied, less all relevant charges upfront.

How do I repay my UKHWAH Cash-i personal financing?

Ukhwah requires you to setup Biro Perkhidmatan Angkasa (BPA) deduction for the payment of UKHWAH Cash-i monthly installments.

It is also worth noting that you must not exceed 60% of your gross income for this deduction.

Who is eligible to apply for UKHWAH Cash-i personal loan?

UKHWAH Cash-i opens to all government servants, employees of government-linked companies, statutory bodies and DBKL only. 

You will also need to meet the requirements as follows:

  • Malaysians, Malaysian Residents or PR;
  • Must be at least 19 years old and not more than 56 years old;
  • Must earn a minimum monthly income of RM1,500;
  • Must be employed in the civil sector for a minimum of 6 months.

For CTOS / CCRIS blacklisted, you can still try your luck applying for UKHWAH Cash-i, and will be bound to terms and agreements. 

Why should I apply for this Islamic personal loan?

There are many reasons which keep you awake at night, and debts could be one of them. 

Therefore, UKHWAH Cash-i can be used for debt consolidation from other financial institutions, among other financial needs. Plus, no guarantor is required!

That's not all, you can also enjoy the benefits of UkhwahCare memberships, ranging from hospitality services, financial assistance, Takaful products, will writing etc should you wish to join at small monthly fees.

Where can I apply for UKHWAH Cash-i personal financing?

You can apply for UKHWAH Cash-i personal financing here at RinggitPlus by clicking the APPLY NOW button and expect a call from Ukhwah within 5 working days to complete your application.

In the meantime, you can prepare the following supporting documents:

  • 3 copies of MyKad (front and back);
  • Letter of Employment;
  • Latest 3-months validated salary slips;
  • 1 copy of Bank Rakyat or Maybank passbook / account statement;
  • Statement of Outstanding Completion (if any).


  1. 5 copies of Allotment Form for applicants from Sabah and Sarawak
  2. DBKL employee must obtain Emolument Form from Salary Department
  3. Retiree Form (Surat Opsyen Bersara) for applicants 50 years and above
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