Wednesday, 24 July 2019,   20 Zulkaedah 1440H

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BSN MyRinggit

SCOP (Super Klasik B)

This loan plan offers a lower interest rate for employees of the Royal Malaysian Police
Force (PDRM) earning RM2,500.00 or more.


»  Malaysian citizen aged 21 to 60 years old (subject to retirement age during completion of the loan).
»  PDRM employees with salary account under Bahagian Akaun, KDN.
»  PDRM employees maintained salary account under Bahagian Akaun, KDN.
»  Permanent employee who has been employed for more than 3 months.
»  Minimum fixed income of RM2,500 per month.
»  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.

Loan Limit

RM 5,000RM200,000

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


Fixed Rate



Interest Rate

Loan Period


RM2,500 to RM5,000


Minimum : 2 years
Maximum: 10 years


> RM5,000



Additional 1% from the above interest rate for Loan without Insurance.

Floating Rate

Loan Period (years)

2 - 10

Credit Score


2 & 3


Interest Rate (% per annum)

BR* + 3.22

BR* + 3.39

BR* + 3.77


Additional 1% from the above interest rate for Loan without Insurance.

Charge (Late Payment)

»    Monthly Installments in Arrears  ×  1%  ×  Number Of Days Overdue  ⁄  365.
»    Calculate your monthly repayment. Click here.

 Note:  View all banking Rates & Charges.