Financing and savings for every part of the farm
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🪙Personal
Ar-Rahnu
Up to 80% of gold value · up to RM300,000 · 18 months
💳PersonalAgroCash-i
Personal financing for agro-related needs
🔄BusinessAgro Cash Line-i
Revolving working capital
🚜BusinessMachinery & Equipment Financing-i (MAEF-i)
Tractors, machinery and equipment
🌾BusinessPembiayaan Padi
Financing for padi farming
🌱SavingsAgroTani-i
Islamic savings account
🧾PersonalSpecial Advance for Islamic Account-i (SAFIA-i)
Advance facility for account holders
🏡PersonalHartani-i (Tawarruq)
Tawarruq personal financing
🧑💼PersonalSkim Istimewa Kakitangan Kerajaan
Special scheme for government staff
🏞️PersonalProperty and Land Auctions
Bank-held property and land
🤝PersonalMega Partners by Sahabat Agro
Partner offers
💼BusinessModal Kerja-i
Working capital
🌴BusinessPembiayaan Kelapa Sawit
Financing for oil palm
📝BusinessContract Financing-i
Funds to deliver a contract
🍚BusinessFund For Food (3F)
Food production financing
🏭BusinessIndustrial Hire Purchase
Industrial assets
🧺BusinessKredit Mikro
Micro-credit
🔗BusinessStrategic Alliance Financing-i (SALF-i)
Supply-chain financing
☔BusinessSkim Takaful Tanaman Padi
Crop takaful for padi
🌿SavingsAgroMuda-i
Islamic savings account
⭐SavingsAgro Perdana-i
Islamic savings account
🏦SavingsBasic Savings Account-i (Agro BSA-i)
Everyday basic account
📈SavingsFixed Return Islamic Account-i (FRIA-i)
Fixed return · 45Plus variant
🌴ProgrammesTanam Semula Pekebun Kecil Sawit 2.0 (TSPKS)
Oil palm replanting programme
✅ProgrammesPembiayaan Pensijilan Halal
Halal certification financing
🐔ProgrammesUTAMA-TERNAK
Commercial chicken farming
Questions we hear most
What is Ar-Rahnu?
Ar-Rahnu is Shariah-compliant financing that uses gold as collateral. It follows the Tawarruq concept, the profit does not change during the tenure, and you can finance up to 80% of the gold value, up to RM300,000 per customer. Bring your MyKad and gold to the nearest Ar-Rahnu counter.
Is the financing Shariah-compliant?
Yes. Agrobank products described here are Islamic financing and savings, based on Shariah contracts such as Tawarruq.
Who can apply for AgroCash-i?
Government employees with gross monthly income (including fixed allowance) above RM1,000, and GLC staff above RM2,000. Takaful credit cover is encouraged.
Who can use the TVET Graduate Easy Financing Scheme?
TVET graduates who want to start a business. The scheme was reported at up to RM5,000 each, 4.75% p.a., up to 5 years. Confirm current terms at any branch.
What documents do I need?
Usually your MyKad, proof of land, business or employment, and recent income records. Each product lists its own requirements.
Where can I see reference rates?
The Base Rate (BR), Base Financing Rate (BFR) and Standardised Base Rate (SBR) are shown on the Financing page and on agrobank.com.my.