Cash woes? A personal loan to the rescue!

    RHB Personal Financing-i Civil Sector

    RHB Personal Financing-i Civil Sector loan allows you to meet a multitude of expenses. The Personal loan works on the principal of Tawarruq and is offered with competitive fixed rates and flexible tenures allowing for easier repayment.

    Profit Rate

    Loan Amount Loan Tenure Min. Income Profit Rate
    Up to RM200,000 Up to 10 years RM2,000 (including fixed allowance) 4.50% p.a. (promotional rate on flat rate basis)


    Interest Rate As low as 4.50% p.a. (promotional rate on flat rate basis)
    Effective Profit Rate 7.91% to 8.41% p.a.
    Minimum Loan Amount RM2,000
    Maximum Loan Amount Up to RM200,000
    Loan Tenure From 2 to 10 years
    Islamic/Conventional Islamic
    Debt Consolidation NA
    Takaful Coverage Compulsory
    Approval Duration Fast approval
    Government Servant? Offered to federal and state government servants, selected GLCs, and self-accounting agencies


    • This is a financial product that is compliant with Islamic practices. The money borrowed from this loan can be used for Halal purposes.
    • You will receive a maximum amount of RM200,000 with this loan.
    • The maximum loan duration period is 10 years for this personal loan.
    • This loan is calculated on a flat rate basis. So, fluctuations in the Islamic banking rate will not affect your monthly payments.
    • You can directly deduct the monthly payment from an account of your choice.
    • You do not need a guarantor or collateral to be eligible for the loan.
    • Takaful insurance is mandatory for this loan.
    • There is no lock-in period or early-settlement fee charged by the bank. In case of early settlement you will be eligible for rebate.
    • The minimum loan amount is RM2,000.
    • The minimum loan duration allowed is 2 years.

    Fees and charges

    Stamp Duty Charges RM10 for each document As per the Stamp Duty Act 1949 (subject to the government’s discretion)
    Processing Fee NA
    Brokerage Fee RM30 for every application
    Collection Fee 2% of monthly payment


    Early Settlement Charges
    • No early settlement charges imposed
    • The bank may grant rebate (Ibra) in case of early settlement
    Late Payment Charges NA

    Eligibility Criteria

    Age Requirement Minimum age: 18 years
    Maximum age: 58 years (at the end of the financing tenure)
    Employment Granted to federal and state government servants, selected GLCs, and self-accounting agencies
    Minimum Income Requirement RM2,000 (including fixed allowance)
    Guarantor/Collateral Requirement Not required
    Should I have a linked bank account? RHB or RHBIB Account or any other account

    What documents do I need to prepare for RHB Personal Financing-i Civil Sector?

    Documents Required
    A copy of MyKad (both front and back)
    Salary slips (for up to 3 months)
    Employment confirmation Letter (with a letterhead of the employer)
    A copy of RHB or RHBIB account or any other bank account
    Redemption Statement of other banks or FIs (if applicable)
    Retirement option letter (if an applicant is 48 years old and above if the tenure is exceeding the mandatory retirement age)
    Transfer letter (for an applicant who will be transferred in less than 6 months from the time of application)
    T228 (applicable only for Sarawak region)

    Applying for the RHB Personal Financing-i Civil Sector Personal Loan

    • Applying for the personal loan physically: You can apply for the loan by visiting the nearest RHB branch. You will have to fill up the application form and submit it along with all the necessary supporting documents.
    • Online Application: You can also fill up the form online and submit the form along with the required documents online.


    Q. I am a permanent employee for a private organisation. What is the maximum amount that I can borrow using this loan?

    A. The minimum amount that you can apply for is RM2,000 and the maximum amount that you can get is RM100,000. The maximum amount that you can borrow from the bank is 8x your monthly income or RM100,000 whichever is lesser.

    Q. Do I need a guarantor for this personal loan?

    A. No, you won’t require a guarantor to be eligible for this personal loan. This is an Islamic banking product.

    Q. Can I settle the amount before it matures? What charges do I have to bear in such cases?

    A. The bank will not charge an early settlement fee if you choose to settle early. You will have to provide the bank with one month written notice in-case you choose to settle early.

    Q. Is Takaful coverage compulsory for this personal loan?

    A. No you do not need compulsory Takaful coverage with this personal loan. You are however advised to get the necessary Takaful protection.

    Q. I will be retiring in three years. Can I apply for a ten year duration personal loan? A. No. You will not be eligible to take out a 10-year loan if you will be retiring in three years. Your age cannot exceed 58 years by the end of the loan tenure.

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