General Investment Account-i (GIA-i)

A Shariah-compliant investment account based on the contract of Mudarabah (profit sharing)

Minimum investment:
RM5,000 (1 month)
RM1,000 (2 months and above)

* Not covered by PIDM. Principal is not guaranteed

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

Who can apply

Indicative Profit Rates

Tenure
Indicative Rate (%)
Profit Sharing Ratio (PSR)
Investor : Bank
1 month
3.00
63 : 37
2 months
3.00
63 : 37
3 months
3.15
66 : 34
4 months
3.15
66 : 34
5 months
3.15
66 : 34
6 months
3.20
67 : 33
7 months
3.20
67 : 33
8 months
3.20
67 : 33
9 months
3.20
67 : 33
10 months
3.20
67 : 33
11 months
3.20
67 : 33
12 months
3.25
68 : 32
13 - 35 months
3.25
68 : 32
36 - 47 months
3.35
70 : 30
48 - 59 months
3.45
72 : 28
60 months
3.55
74 : 26
* Effective from 16 September 2017 to 15 October 2017


Click here
for details on GIA-12 campaign 2015

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

Click here for details on GIA-12 campaign 2017

 

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

Item Details Fee
Fixed deposit account balance transfer a. Forwarding branch (Collecting branch)

b. Receiving branch (Home branch)
Free


Free

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)

Click here to view Investment Account Fund Performance Report (Q4 2016)


Click here to view Investment Account Fund Performance Report (Q1 2017)

Click here to view Investment Account Fund Performance Report (Q2 2017)

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