Monday, 17 June 2019,   12 Syawal 1440H

Islamic Banking

Home > Islamic Banking > Financing > BSN MyRinggit-i > BSN MyRinggit-i SCOP (Klasik)

BSN MyRinggit-i SCOP (Klasik)


BSN MyRinggit-i SCOP Klasik is designed especially for employees of the Royal Malaysian Police Force (PDRM). 

Shariah Concept

Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts, using the commodity (underlying asset) from Bursa Suq al Sila'.


» Malaysian citizen aged 21 - 60 years old (subject to retirement age during completion of the Financing).
» PDRM employees with salary account under Bahagian Akaun, KDN.
» Permanent employee who has been employed for more than 3 months.
» Minimum income of RM1, 500 per month.
BSN GIRO/GIRO-i Account Holder.
BSN GIRO/i Account Holder.


Documents Required 

» A copy of your NRIC (both sides).
» Confirmation letter from your employer with the below details:
   -  Name / NRIC No.
 -  Designation / Status
 -  Monthly Salary
 -  Date of Employment
 -  Date of Retirement
» A copy of Salary Slip:
  - Latest 2 months salary slip (Fixed Rate);
  - Latest 1 month salary slip (Floating Rate)
» Authorisation Letter of Salary Deduction (BSN 09-D).



» Payment is conveniently made via Bahagian Akaun, KDN
» Subject to the Term & Conditions.


Financing Limit

RM5,000.00 RM200,000.00

* Subject to monthly salary deduction limit of not more than 60% or limit approved by PDRM.


Fixed Rates



Profit Rate

Financing Period


RM1,500 to RM5,000


Minimum : 2 years
Maksimum: 10 years


> RM5,000


Fixed Rate (*RBP)

Financing Period1 -5 years6 - 10 years
Profit Rate 4.60% 5.30%

 *Risk Base Pricing(RBP) package is subject to the CCRIS reading.


Floating Rate

Financing Period (years)

2 - 10

Credit Score


2 & 3


Profit Rate (% per annum)

BR* + 3.22

BR* + 3.39

BR* + 3.77


Late Payment Charges

  Within the Facility Period

    Overdue instalment(s) x 1% x No. of overdue day(s)


»  After the Facility Period

    Outstanding principal x IIMM* x No. of overdue day(s)



» Islamic Interbank Money Market (IIMM) is subject to change from time to time.
» View all banking Rates & Charges.