Thursday, 27 November 2014,   03 Safar 1436H
Home Customer Care > Rates & Charges > Interest & Profit Rates (Conventional)


Interest & Profit Rates (Conventional)

 

BSN GIRO Account (effective 1 December 2013)

Balance in AccountInterest Rate
Up to RM5,000.00 0.40%
Up to RM50,000.00 0.60%
Above RM50,000.00 1.00%

GIRO Corporate Account (effective 1 December 2013)

Savings AmountInterest Rate
Up to RM100 0.00%
RM100 - RM50,000 0.40%
RM50,001 - RM100,000 0.65%
Above RM100,000 1.00%

Kelab Penabung Muda - KPM (effective 1 December 2013)

Balance in AccountProfit Rate
Up to RM150 0.35%
Up to RM25,000 1.20%
Above RM25,000 1.70%

CHESS Account (effective 8 May 2009)

PeriodPercentageBonus Upon Interest
1 - 5 years 2.50% 15%
6 - 10 years 2.50% 20%
11 - 15 years 2.50% 25%
16 - 20 years 2.50% 30%

SEDAR Account (effective 8 May 2009)

Period of SavingsAnnual Interest RateBonus
First Year (12 months) 2.5% 15% bonus upon interest received
Second Year (24 months) 2.5% 30% bonus upon interest received
Subsequent Years 2.5% 30% bonus upon interest received

Skim Galakan Simpanan Pelajar Sekolah - SGP (effective 1 December 2013)

Savings AmountInterest / Profit Rate
Up to RM150 0.35%
Up to RM25,000 1.20%
Above RM25,000 1.60%

Fixed Deposit Scheme for Individual & Corporate (effective 25 July 2014)

PeriodInterest Rate
1 month 3.15%
3 months 3.15%
6 months 3.20%
9 months 3.25%
12 months 3.35%
15 months 3.45%
18 months 3.50%
24 months 3.45%
36 months 3.45%
48 months 3.55%
60 months 3.75%

BSN Senior Citizen Fixed Deposit Account (effective 25 July 2014)

Investment Amount< RM50,000> RM50,000
Maturity PeriodRate
12 months 3.40% 3.45%
15 months 3.50% 3.55%
18 months 3.55% 3.60%
24 months 3.60% 3.65%
36 months 3.65% 3.70%
48 months 3.70% 3.75%
60 months 3.95% 4.00%

 

Personal Loan (Conventional) - Flat Rate


Personal Loan Scheme : SKAP & SCOP

Package   Tenure (years)   Rate 
Klasik    1 - 5 4.00% 
6 - 10 4.40%
Eksklusif 6 - 10 4.99%
Super Klasik 2 - 10 3.90% 

 

Personal Loan Scheme : BPA & SKAN

Package   Tenure (years)   Rate 
Klasik    1 - 5 4.00% 
6 - 10 4.40%
Super Klasik B 2 - 10 3.90%

 

Personal Loan Scheme : SKAP & SCOP

Package   Loan Amount
Minimum Maximum
Klasik    RM5,000 RM200,000
Eksklusif RM50,000 RM200,000
Super Klasik RM5,000 RM200,000

 

Personal Loan Scheme : BPA & SKAN

Package   Loan Amount
Minimum Maximum
Klasik    RM5,000 RM200,000
Super Klasik RM5,000 RM200,000

 

Personal Loan Scheme: Executive-1

No Income Interest Rate Loan Limit Tenure
1 RM3,000 to RM5,000 7.50% Five (5) times of monthly gross income

Minimum: 2 years

Maximum: 10 years

2 > RM5,000 to RM10,000 6.50% Seven (7) times of monthly gross income
3 > RM10,000 5.50% Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower

Minimum Loan  : RM10,000
Maximum Loan :  Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower. 

 

Personal Loan (Conventional) - Floating Rate

Scheme Tenure (years) Rate
Executive-1 (Floating Rate)

2 - 10

subject to :
i. The retirement age, whichever is earlier; OR
ii. Customer qualification 


BLR + 2% (monthly basis)

Current BLR : 6.85%
(effective as at 22nd July 2014)

Minimum Loan  : RM5,000
Maximum Loan : Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower.

 

Personal Loan (Conventional) - Monthly Rest

SchemeLess than RM100,000More than RM100,000
Sandaran Sijil Simpanan Tetap BLR minus (-) 0.5% BLR minus (-) 1.0%

»  Minimum loan for Sandaran Sijil Simpanan Tetap : RM5,000
»  Maximum loan for Sandaran Sijil Simpanan Tetap : 95% from the value of Sijil Simpanan Tetap