Cash woes? A personal loan to the rescue!

RHB Personal Loan for Pensioners

RHB Malaysia offers Pensioner Personal Financing-i plan for the pensioners of the Malaysian government services. The scheme facilitates funds on a quicker basis. Let’s know more about it:

Profit Rate

  • The profit rate for the scheme is 5.25% p.a.
  • Guarantor not required.

Product Features

Profit Rate 5.25% p.a. (flat rate basis)
Loan Tenure Up to 10 years
Minimum Gross Pension Payment RM750 per month
Minimum Financing/Loan Amount RM5,000
Islamic or Conventional Islamic
Debt Consolidation -
Approval Duration Fast approval


  • Repayment tenure of up to 10 years or until the age of 70 years.
  • Obtain a financing amount of up to RM100,000.
  • No need to provide a guarantor or a collateral.
  • No penalty will be charged for early settlement.

Fees and Charges

Stamp Duty Charges Nominal amount of RM10 for each document as per the Stamp Duty Act 1949 (Revised in 1989)
Brokerage Charges RM30 for each application
Takaful Contribution Based on the financing amount, customer’s age, and financing tenure

Eligibility Criteria

Nationality Malaysian citizen
Age Criterion Minimum age: 40 years

Documents Required

  • 2 photocopies of MyKad (Front and back)
  • 2 photocopies of ‘Kad Pesara Kerajaan Malaysia’ (Malaysian Government’s Pension Card) or ‘Kad Pesara Tentera’ (Military Retirement Card)
  • 1 photocopy of Penyata Pencen (JPA)/Lejar Pesara (JHEV) (Pension Statement)
  • 2 photocopies of RHBIB Savings Account Passbook/Statement (Mandatory for a new customer)
  • Redemption Statement of other banks/FIs (If applicable)

How to Apply?

Online Application
  • Visit the official website of RHB Bank.
  • Download the application form.
  • Fill the form with all mandatory details.
  • Attach all supporting documents.
  • Submit the completed application form to the nearest branch of RHB Bank.
Offline Application
  • Visit the nearest branch of RHB Bank.
  • Collect the application form for the plan.
  • Fill in the form with all necessary details.
  • Submit the form along with a set of supporting documents.

You can consider RHB Personal Financing-i if you are a pensioner and you are looking for funds. The scheme can be an option if you are looking for a plan that provides instant approval and competitive profit rate.


Q. Can pensioners from army services apply for the personal financing scheme?

A. Yes, the scheme caters to all government pensioners including applicants from army services and other government ministries, agencies and departments.

Q. Can I make an advance payment?

A. For this facility, you are allowed to make an advance payment or excess payment apart from your set monthly repayment.

Q. Do I need to take a takaful cover?

A. Yes, a takaful cover is mandatory for this plan.

Q. From where can I get a takaful cover?

A. You can obtain a takaful cover from any of the takaful operators listed by the bank or you can choose any legitimate takaful operate. If your takaful operator is listed in the bank’s panel, your payable contribution for the plan will be directly deducted from your facility amount before disbursement.

Q. How should I make my monthly repayment?

A. Your monthly repayment will be directly deducted from your pension proceeds attributed to the pensioner’s account.

Q. How should I inform the bank regarding my changed contact details?

A. You can inform the customer support centre by calling 03-9206 8118 or 03-9206 8228.

Q. Where can I register my complaint about the product or the bank’s services?

A. You can write an email to to register your complaint or you can also speak to a bank representative via telephone: 03 9206 8118 or 082 276 118.

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