RHB Islamic Bank Personal Financing-i for Civil Sector
Islamic Personal Financing in Kelantan
RHB Islamic's civil servant personal financing: up to RM300,000 over up to 10 years with a variable profit rate printed 'as low as 5.25% p.a. (equivalent to Flat Rate 2.77% p.a.)', no guarantor required, payout ratio up to 98%, and repayment by auto debit. Eligibility: federal and state government and selected GLC employees, Malaysian citizens aged 18 to 58 at end of tenure, minimum income RM2,000 including fixed allowances. Payment tables for board and promo rates, with and without Takaful, are published on the page along with the PDS (crawled rhbgroup.com 2026-08-06).
RHB's civil sector PF-i wins on quantum (RM300,000) and documentation (published payment tables for every rate/Takaful combination) rather than headline price: CIMB's 3.50% ANGKASA product undercuts its 5.25% floor. For government employees who need more than RM200,000 or value seeing the exact instalment table before applying, RHB is the pick; smaller borrowers should price CIMB first.
Pros
- Highest maximum quantum in the cluster for civil servants
- Full payment table transparency, rare even among the six
- Low income entry at RM2,000
Cons
- Printed floor rate (5.25%) is above CIMB's 3.50% and Bank Islam's 5.00% package tiers for the same audience
- Contract name lives in the PDS
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Product Details
Structure
unspecified
Max Amount
RM300,000
Term Options
Up to 10 years
RHB Islamic Bank in Kelantan
RHB Islamic Bank's Personal Financing-i for Civil Sector is available to Kelantan residents, using a unspecified structure. The total selling price is fixed in the contract, and early settlement earns an ibra' (rebate) on unearned profit under BNM's rules. RHB Islamic Bank operates across Malaysia, so Kelantan residents have full access to this product.
Shariah Compliance & Oversight
RHB Islamic Bank's Shariah Committee is profiled in the RHB Integrated Report 2024 published on rhbgroup.com: Azizi Che Seman (Chairman, appointed 1 February 2023; also Chairman of Agrobank's Shariah Committee and of the AIBIM Shariah Advisory Committee), Mohd Zubir Awang (appointed 1 April 2023), Dr. Md. Nurdin Ngadimon (appointed 1 May 2022; former Deputy Director, Securities Commission Malaysia), Dr. Abdul Rahman A. Shukor (appointed 1 May 2021) and Assoc. Prof. Dr. Siti Salwani Razali (appointed 1 October 2015). The committee was established under RHB Islamic Bank Berhad pursuant to BNM's Shariah Governance framework (RHB Integrated Report 2024, rhbgroup.com, crawled 2026-08-06).
2026-08-06
Why It's Halal
An Islamic-shelf product with dedicated Islamic PDS, credit-related Takaful disclosure documents and published payment tables split by Takaful participation. Oversight: RHB Islamic Bank's five-member Shariah Committee. Caveat: the contract name is in the PDS rather than page text (crawled rhbgroup.com 2026-08-06).
Regional Availability
RHB Islamic Bank serves all of Malaysia
✓ Available nationwide including Kelantan
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NationwideFrequently Asked Questions
What is RHB Islamic Bank Personal Financing-i for Civil Sector?
Why is RHB Islamic Bank Personal Financing-i for Civil Sector considered halal?
Is RHB Islamic Bank Personal Financing-i for Civil Sector available in Kelantan?
What Shariah oversight does RHB Islamic Bank have?
What financing structure does RHB Islamic Bank Personal Financing-i for Civil Sector use?
How do I apply for RHB Islamic Bank Personal Financing-i for Civil Sector in Kelantan?
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