General Investment Account-i is under Term Fund-i. To understand more about this product, kindly refer to Product Disclosure Sheet Term Fund-i.

General Investment Account-i (GIA-i) is based on the contract of Mudarabah (profit sharing) where the customer act as the provider of fund and the Bank acts as the entrepreneur. The Bank will invest the funds in carefully selected Shariah's high yielding, compliant investment avenues. The profit from the investement will be shared between the Bank and customers based on the pre-agreed profit sharing ratio.

Features & Benefits

  • Placement tenure : 1 - 60 months
  • Profit calculated on daily basis Potentially earn higher returns. Profit gained from the investment will be shared between both parties (Customer & Bank) accordingly based on agreed profit sharing ratio (PSR). The profit will be paid on monthly basis and it is NOT subject to tenor or number of withdrawal
  • Payment of profit is on monthly basis

Who can apply

  • Individuals aged 18 years and above
  • Joint/Personal Accounts
  • Minors with identity cards
  • Trust Accounts
  • Business concerns
  • Associations/Clubs/Societies/Organizations
  • Trustees
  • Foreigners
  • Government and Corporate Funds

Indicative Profit Rates

Indicative Profit Rate (% p.a)
Profit Sharing Ratio (PSR)
Profit Sharing Ratio (PSR)
* Effective from 16 March 2017 to 15 April 2017

Click here
for details on GIA-12 campaign 2015

Click here for details on GIA-12 campaign 2016 (Fully Utilized)

Required documents

For Personal/Joint accounts

• Original Identity Card (IC) for Malaysians and Passports for foreigners

Please also bring along any of the following secondary supporting documents:

• Valid Passport (if IC is produced as a Primary document)
• Valid driving licence
• Utility bills (e.g. water/electricity/telephone bills, Quit Rent, Assessment Notice) in the name and address of the customer opening the account
• Letter of employment
• Credit card

Please choose a branch located near your home or place of work.

Fees & Charges

Fixed deposit account balance transfera. Forwarding branch (Collecting branch)

b. Receiving branch (Home branch)


View all banking fees.

Click here to view Investment Account Fund Performance Report (Q1 2016)

Click here to view Investment Account Fund Performance Report (Q2 2016)

Click here to view Investment Account Fund Performance Report (Q3 2016)


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Our financial experts will contact you within 2 working days or at the time you've requested.