Tuesday, 14 July 2020,   23 Zulkaedah 1441H
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BSN MyRinggit-i EKSEKUTIF-1 


BSN MyRinggit-i EKSEKUTIF-1 is exclusively designed to help executives meet personal financing needs at affordable fixed rates.

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 and above, up to maximum age of 55 / 60* years old at the end of the financing tenure.
 » Open to permanent & contract officers and staff that have minimum three (3) years of working experience.
 » Offered only to Employees of Premier Developer Panels, Private Hospitals, Telecommunication Companies, Licensed Financial Institutions, Multinational Companies, PETRONAS Group of Companies, Selected Private Universities & Colleges, Statutory Bodies, Government Link Companies, Selected Public Listed Companies in Main Market Bursa Malaysia (Financial, Plantation,Property,Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctors, Architects, Lawyers, Accountants and other certified Professionals).
Minimum gross income of RM3,000.00 per month (permanent staff) & RM10,000.00 
per month (contract staff).
Minimum gross income of RM3,000.00 per month (permanent staff) & RM10,000.00 per month (contract staff).
 »  BSN GIRO/i  Account holders.

*Subject to employer confirmation.

Documents Required

 » Copy of latest three (3) months’ Salary Slips;
 » Copy of your NRIC (both sides);
 » Latest EPF Statement; AND
 » Confirmation Letter by Employer stating the below:
- Name and NRIC
- Designation / Position 
- Monthly salary
- Date of Employment
» Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN).

*Subject to the current Terms & Conditions.

Mode of Payment

1. Standing Instruction from other Financial Institutions where the customer salary account is credited.
» BSN Standing Instruction
4. IBG

Financing Limit / Rate

Minimum Financing: RM10,000

No Income Profit Rate Financing Limit Tenure
1 RM3,000 to RM5,000 8.50% 5x of monthly gross income

Minimum: 2 years

Maximum: 10 years

2 > RM5,000 to RM10,000 7.00% 7x of monthly gross income
3 > RM10,000 6.00% 10x of monthly gross income / maximum RM200,000 whichever is lower


Additional 1% from the above profit rate for Financing without Takaful.

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.