• Profit rate (p.a.)

    6.17% - 6.62%

  • Loan Tenure

    2 - 10 years

  • Approval Duration

    Up to 5 business days

  • Min. monthly income


Loan calculator
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Monthly salaryRM0
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What's so great about Agrobank AgroCash-i?
  • Approved financing amount of up to RM200,000
  • Fixed profit rate starting at 6.17% per annum
  • Takaful Protection Scheme compulsory

Product Features

Min. financing amount10000
Max.financing amount Up to RM200,000
Min. loan tenure2 years
Max. loan tenureUp to 10 years
Profit rateFixed rate of 6.17%-6.62% per annum
Approval durationUp to 5 business days
Debt consolidationNo

Fees & Charges

One time set up
Processing feeN/A
Stamp duty0.4% of loan amount
Disbursement & misc. feeN/A
Early settlementN/A
Late payment charges1% Ta'widh


Age requirementAge 18 - 60
Employment eligibilityGovernment servants and employees of Government-Linked companies (GLCs) with at least 3 months of completed service
Min. salary requirementRM1,000 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?Optional
Need to buy Takaful product?Optional

Product Review byiMoney

Bank Agro AgroCash-i FAQ

What is the maximum amount you can borrow?

Borrowable amount of:

  • Up to RM200,000 for a maximum financing tenure of 10 years
  • The catch?

    Applicant must be a Malaysian citizen aged 18 and above to qualify.

    Applicant must be a Government servant or employee of a Government-Linked Company (GLC) with at least 3 months of completed service and a minimum gross salary of RM1,000 per month.

    What will it cost you and how will you be charged?

    One time set-up fee:

  • Stamp duty of 0.5% and Takaful fee charges of RM50
  • Recurring payments:

  • Monthly repayment comprising principal amount and profit rate charge via monthly Bank Rakyat Savings Account deduction, Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility, or monthly salary deduction.
  • For financing tenure of 1 year to 3 years:

  • Fixed profit rate of 6.17% per annum.
  • For financing tenure of 4 years to 10 years:

  • Fixed profit rate of 6.62% per annum.
  • Penalties:

  • No early settlement penalty. Late payment charges of 1% Ta'widh.
  • How long will the application take and what documentations are required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.

    Thereafter, Bank Agro will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.

    You are required to furnish the following documents for your financing application:

  • Copy of NRIC (front and back)
  • 3 months (most current) salary slips
  • Letter of confirmation by your current employer
  • Bank statement showing crediting of salary
  • Income tax statement (J/EA/EC form) with tax payment receipt attached (most current)
  • Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?

    No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your financing on time for another three months before reapplying.

    If you are looking for other personal loans, you may also consider
    Mach I.O.U Personal Loan : The personal loan rate for Mach I.O.U Personal Loan starts from 12% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000. Citibank Ready Credit (Pay Lite) : With Citibank Ready Credit (Pay Lite) , the personal loan comes with a effective interest rate starting from 14% p.a. This personal loan has a maximum tenure of 4 years. It also comes with a minimum income requirement of RM2,000. RHB Personal Financing : RHB Personal Financing has a flat interest rate starting from 8.88% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.