Pinjaman Peribadi Bank Rakyat Awam


Personal Financing-I Aslah Awam
From 4.54%  to 7.12% p.a. flat rate with options of Takaful
Maximum up to RM 200,000 of financing
Maximum 10 years repayment
For single applicant from 18 to 60 years of age
Opens to any Malaysian Public Servants only
Minimum income of RM 1,000 per month

Bank Rakyat Personal Loan is perhaps one of the most popular personal loan in Malaysia. Personal Financing-I Aslah Awam is catered for public sector servants in Malaysia. This is unsecured loan where collateral and guarantor is not needed.  This personal loan is fully Islamic compliant that is based on Tawarruq concept.

Interest Rates

Personal Financing-I Aslah Awam offers very attractive interest rates. The rates vary according to repayment choices and other factors. Opting for Biro Angkasa automatic salary deduction and Takaful insurance plan will help you have interest. There are also options for fixed and floating interest rates.

bank rakyat personal loan interest rates

Base Rate for Bank Rakyat is: 3.95%

Applicants will have the choice of repayment period or overlap financing. This personal loan in secured where requires no guarantor or collateral while it offers up to RM 200,000 financing with a maximum 10 years repayment. The amount being loaned would depends very much on your monthly income and your credit score. One can loan a maximum of 35 times his or her monthly salary.

As of all public sector loan, repayment of Personal Financing-I Aslah  is done automatically via Bureau Angkasa salary deduction scheme. You will have to switch your salary payment to a Bank Rakyat account.


There are various repayment option for the loan. Among the options are

  • Employee salary reduction scheme ( PGM)
  • Biro Perkhidmatan Angkasa (BPA)
  • Electronic payment



There are no processing charges when you apply for this loan. A 0.5% stamp duty fee will be charged based on loan amount  This loan can be settled earlier without any termination or penalty fees. A standing instruction will have stamp duty of RM10. There is a RM 30 Wakalah fee when applying for the loan. Takaful is optional with the loan. However do take in consideration that you will enjoy better interest rates with Takaful insurance plan.



Bank Rakyat Personal Financing-I Aslah Awam is only available for Malaysian citizens serving public, government sector or enlisted GLC. Applicants will have to be 18 years old and above with minimum 3 months of employment and a minimum annual salary of Rm 12,000.

Documents required

  • Photocopy IC (both sides)
  • Most recent 3 months payslip
  • Most recent income tax statement/ EA Form
  • Most recent 3 months Payslip bank statement
  • Employment confirmation letter

Jadual Pinjaman

Bagi yang berminat, jadual pembayaran untuk Pinjaman Peribadi Bank Rakyat Tertera di bawah


KadarKeuntunganPembiayaanPeribadi-i-Terapung (Tunai)


KadarKeuntunganPembiayaanPeribadi-i-Tetap (Tunai)



  • February 20, 2017
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