Saturday, 1 November 2014,   07 Muharram 1436H
Home Customer Care > Rates & Charges > Interest & Profit Rates


Interest & Profit Rates

 

Conventional    ¦    Islamic


 


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

 

Conventional    ¦    Islamic


 

BSN GIRO-i Savings Account-i (effective 16 October 2014 - 15 November 2014)

Balance in AccountProfit Sharing Ratio
(PSR)
Indicative Profit Rates
Up to RM5,000.00 5 : 95 0.40%
RM5,001- RM50,000.00 10 : 90 0.72%
More than RM50,000.00 15 : 85 1.06%


Kelab Penabung Muda (effective 16 October 2014 - 15 November 2014)

Balance in Account Interest / Profit Rate
Up to RM25,000 1.20%
Above RM25,000 1.70%


Skim Galakan Simpanan Pelajar (effective 16 October 2014 - 15 November 2014)

Balance in Account Profit Rate / Interest Rate
Up to RM25,000 1.20%
Above RM25,000 1.60%


Sijil Simpanan Premium (effective 16 October 2014 - 15 November 2014)

SSPProfit Sharing RatioIndicative Profit Rates
< RM5,000 2:98 0.15%
Up to RM50,000 3:97 0.21%
> RM50,000 6.5:93.5 0.60%


Special Edition SSP (effective 16 October 2014 - 15 November 2014)

Special Edition SSPMinimum SavingProfit Sharing RatioIndicative Profit Rates
6 Month RM1000 25:75 2.00%
12 Month RM3000 30:70 2.42%


GIRO-i eSaver (effective 16 October 2014 - 15 November 2014)

Balance (RM)Profit Sharing Ratio
(PSR)
Indicative Profit Rates % p.a.
Less than 500 15 : 85 1.06%
501-5,000 15 : 85 1.06%
5,001-25,000 20 : 80 1.41%
25,001-50,000 20 : 80 1.41%
50,001-100,000 25 : 75 1.76%
100,001-500,000 25 : 75 1.76%
500,001 and above 25 : 75 1.76%


BSN CM DEPOSIT-i (effective 25 July 2014)

Period Profit 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 CM DEPOSIT-i Senior Citizen (effective 25 July 2014)

COMMODITY MURABAHAH 
Period Profit Rate
RM5,000 - RM50,000 RM50,000 and above
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%


BSN AHSAN General Investment Account-i (effective 16 October 2014 - 15 November 2014)

BSN AHSAN Multiple Profit Sharing Ratio
PeriodProfit Sharing RatioProfit Rate
1 month 34.50 65.50 3.15%
3 months 35.00 65.00 3.15%
6 months 35.50 64.50 3.20%
9 months 36.00 64.00 3.25%
12 months 36.50 63.50 3.35%
15 months 37.00 63.00 3.45%
18 months 37.50 62.50 3.50%
24 months 38.00 62.00 3.45%
36 months 38.50 61.50 3.45%
48 months 39.00 61.00 3.55%
60 months 39.50 60.50 3.75%


Profit Rate (effective 16 October 2014 - 15 November 2014) - Existing

BSN AHSAN General Investment Account-i
        Period \ Profit Sharing Ratio                     (Investor : Bank)70:3060:4050:5030:70
48 months


4.10%
60 months


4.10%


BSN AHSAN Senior Citizen General Investment Account-i
(effective 16 October 2014 - 15 November 2014)

BSN AHSAN Senior Citizen
General Investment Account-i
Profit Sharing Ratio (Investor : Bank)
Investment Period Indicative Profit Rate
12 months 37:63 3.40% 38:62 3.45%
15 months 38:62 3.50% 39:61 3.55%
18 months 39:61 3.55% 41:59 3.60%
24 months 40:60 3.60% 42:58 3.65%
36 months 41:59 3.65% 43:57 3.70%
48 months 42:52 3.70% 44:56 3.75%
60 months 43:57 3.95% 45:55 4.00%


Personal Financing-i (Islamic) - Flat Rate


Personal Financing -i 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 Financing -i Scheme : BPA & SKAN

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

 

Personal Financing -i Scheme : SKAP & SCOP

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

 

Personal Financing -i Scheme : BPA & SKAN

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

 

Personal Financing-i Scheme: Executive-1

No Income Profit Rate Financing 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 Financing  : RM10,000
Maximum Financing :  Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower. 

 

SchemeProfit RateFinancing Period (years)
Prima 6.50% 2 - 10

»  Minimum financing for  Prima : RM10,000
»  Maximum financing for Prima : RM200,000

 

Scheme1 - 2 years3 - 10 years
Sandaran - SSP 3.00% 3.50%

»  Minimum financing for Sandaran SSP : RM5,000
»  Maximum financing for Sandaran SSP : 95% from the value of Sijil Simpanan Premium
    *If Financing amount is below RM10,000 and the Financing Period is 3-10 years, the Profit Rate is 4.00%. 

 

Personal Financing-i - Monthly Rest

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

»  Minimum financing for Sandaran Sijil Mudharabah : RM5,000
»  Maximum financing for Sandaran Sijil Mudharabah  : 95% from the value of Sijil Mudharabah