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Mudarabah IA

General Investment Account-i (GIA-i)

A Shariah-compliant way to invest your money

  • Minimum investment:

    RM5,000 (1 month) / RM1,000 (2 months and above)

Benefits

Invest based on the profit sharing contract of Mudarabah at your own pace.


 With this account, you get:

  • Potential to earn higher returns with indicative profit rate. Profits gained from investment are shared between Customer and Bank based on a previously agreed profit sharing ratio. Profits are paid monthly and are not subject to tenure or number of withdrawals
  • Placement tenure : 1 - 60 months

Click for Product Disclosure Sheet (PDS) and Terms and Conditions

         

* Not Protected by PIDM.

* Click here for PIDM's DIS Brochure.

* Click here for List of Insured Deposits

How to apply?

For individuals aged 18 and above only.


Apply online

OR:

Visit a Maybank or Maybank Islamic branch near you with your primary documents.

Available accounts:

  1. Individuals aged 18 years and above
  2. Joint/Personal Accounts
  3. Minors with identity cards
  4. Trust Accounts
  5. Business concerns
  6. Associations/Clubs/Societies/Organizations
  7. Trustees
  8. Foreigners
  9. Government and Corporate Funds

Required Primary Documents:

  • 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

Rates, Fees and Charges

What kind of rates, fees and charges to expect?


Indicative Profit Rates:

Profit Sharing Ratio (PSR) And Indicative Rate Effective For New/Renewed Accounts

Tenure Indicative Profit Rates To Investor (% p.a.)Profit Sharing Ratio (PSR) InvestorProfit Sharing Ratio (PSR) Bank
1 month 2.00 46 54
2 months 2.65 61 39
3 - 5 months 2.75 64 36
6 - 11 months 2.80 65 35
12 - 17 months 2.85 66 34
18 - 24 months  2.85 66 34
25 - 35 months 2.85 66 34
36 - 47 months 2.90 67 33
48 - 59 months 2.90 67 33
60 months 2.90 67 33


*Effective from 16 April 2024 to 15 May 2024

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 (Q1 2017)

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

Click here to view Investment Account Fund Performance Report (Q3 2017)

Click here to view Investment Account Fund Performance Report (Q4 2017)


Click here to view Investment Account Fund Performance Report (Q1 2018)

Click here to view Investment Account Fund Performance Report (Q2 2018)

Click here to view Investment Account Fund Performance Report (Q3 2018)

Click here to view Investment Account Fund Performance Report (Q4 2018)


Click here to view Investment Account Fund Performance Report (Q1 2019)

Click here to view Investment Account Fund Performance Report (Q2 2019)

Click here to view Investment Account Fund Performance Report (Q3 2019)

Click here to view Investment Account Fund Performance Report (Q4 2019)


Click here to view Investment Account Fund Performance Report (Q1 2020)

Click here to view Investment Account Fund Performance Report (Q2 2020)

Click here to view Investment Account Fund Performance Report (Q3 2020)

Click here to view Investment Account Fund Performance Report (Q4 2020)


Click here to view Investment Account Fund Performance Report (Q1 2021)

Click here to view Investment Account Fund Performance Report (Q2 2021)

Click here to view Investment Account Fund Performance Report (Q3 2021)

Click here to view Investment Account Fund Performance Report (Q4 2021)


Click here to view Investment Account Fund Performance Report (Q1 2022)

Click here to view Investment Account Fund Performance Report (Q2 2022)

Click here to view Investment Account Fund Performance Report (Q3 2022)

Click here to view Investment Account Fund Performance Report (Q4 2022)


Click here to view Investment Account Fund Performance Report (Q1 2023)

Click here to view Investment Account Fund Performance Report (Q2 2023)

Click here to view Investment Account Fund Performance Report (Q3 2023)

Click here to view Investment Account Fund Performance Report (Q4 2023)

 

Click here to view Investment Account Fund Performance Report (Q1 2024)

Fees and charges:

ItemDetailsFee
Fixed deposit account balance transfer a. Forwarding branch (Collecting branch)

 

b. Receiving branch (Home branch)
Free

 

Free

Click to see all banking fees.

Click here for Terms and Conditions on Premature Withdrawal

Click here to view sample 31 days’ prior written notice


Discontinuation of certificate issuance for General Investment Account-i placement for retail customers.

Effective 7 December 2019, Maybank Islamic Berhad will no longer be issuing certificates for new placements made over-the-counter (OTC) by retail individual customers. However, an acknowledgement slip will be provided to customers as evidence of the placement made.

The implementation of Certless placements will provide greater convenience for customers as presentation of placement slips for the upliftment of the General Investment Account-i will no longer be required from that date.


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