Monthly Returns Fixed Deposit-i (FD-i)

Deposit Duration Options

Choose a duration of 12, 15, 18, 21, 24, 36, 48 or 60 months.
Predetermined Profit Rate

The profit rate is predetermined and fixed upfront.
Highest Profit Rate

You will get the highest profit rate for each deposit tenure.
Monthly Profit Payments

You can receive your profit via fund transfer to your CIMB Islamic Bank Savings or Current Account-i.
Option to Pledge

You can choose to pledge the certificate of deposit as security for financing facilities under CIMB Islamic Bank and CIMB Bank.
Automatic Renewal

Get automatic renewal upon maturity.

Eligibility & Requirements

Applicable for all business enterprises and corporations

Minimum deposit placement of RM10,000 for a short tenure of 1, 2, or 3 months, with deposit increments in multiples of RM1,000.

Documents Required

Partnerships

Original Identity Cards of Partners
Original Business Reg. Form A or B + D
Bank’s Partnership Mandate Form
Photocopies of Identity Cards of all Partners & Business Reg. Forms

Limited Companies (Sdn Bhd)

Certified copy of the following by Company Secretary:

Resolution from Board of Directors to open account & list of authorised signatories
Form 24 - Return of Allotment of Shares
Form 49 - Particulars of Directors
Memorandum & Articles of Association - Certificate of Incorporation
Certificate of Authority (for Public Ltd. Co. only)
Obtain photocopies of Identity Cards of all authorised signatories

Executors & Administrators

Grant of Probate (Executors)/Letter of Administration (Administrators)
Identification documents of Executors & Administrators

Representative Office Account

Certified copy of:

Resolution from the Rep. Office’s Head Office to set up office and open account
Letter from Rep. Office’s Head Office bankers (overseas) certifying resolution & existence of Head Office
Letter of approval from the relevant local authority to set up office in Malaysia
Obtain photocopies of Identity Cards/Passports of all authorised signatories

Clubs/Associations/Societies, Mosques and Other Religious Bodies

Certified copy of:

Resolution of Committee Members authorising opening of account & list of authorised signatories
Authority letter for Clubs/Societies
Rules & Regulations of Clubs/Associations including by-laws
Photocopies of Identity Cards of all authorised signatories

Private Schools/Colleges

Certified copy of:

Resolution of Board of Directors to open account and list of authorised signatories - Form 24 - Return of Allotment of Shares
Form 49 - Particulars of Directors
Memorandum & Articles of Association

Government Schools

Request letter to open account issued by the State Education Department
Certified copy of Board of Governors’ resolution to open account & list of authorised signatories
Obtain photocopies of Identity Cards of all authorised signatories

Joint Venture Account

Certified copy of:

Resolutions from all JV partners to open account & list of authorised signatories
Joint venture agreement
Memorandum & Articles of Association of all JV partners (local or foreign)
Form 24 - Return of Allotment of Shares
Form 49 - Particulars of Directors
For foreign companies, a letter from the foreign company’s bankers certifying the resolution, memorandum & existence of company
Photocopies of Identity Cards/Passports of all authorised signatories

Rates

Effective 4 June 2024

Tenure (Month)	Board Rate (% p.a.)
12 – 14 months	2.60%
15 – 17 months	2.65%
18 – 20 months	2.65%
21 – 23 months	2.65%
24 – 35 months	2.65%
36 – 47 months	2.70%
48 – 59 months	2.70%
60 months	2.70%

Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.

Key Downloads

Business Account Application Form and Guidelines

Terms & Conditions

Fixed Deposit-i Terms and Conditions (ENG)

Fixed Deposit-i Terms and Conditions (BM)

Fixed Deposit-i Terms and Conditions (ENG) Effective January 2024

Fixed Deposit-i Terms and Conditions (BM) Effective January 2024

Additional Features

You can choose to withdraw a minimum of RM1,000 and in multiples of RM1,000 under the same account number. You must maintain a minimum of RM1,000 in your account, except if your FD-i placement is for one month.

You can withdraw your investment before maturity through a rebate or Ibra' clause, whereby you agree to give a rebate on your profit in exchange for getting the Murabahah Sale Price early, but the amount withdrawn will be subjected to the following conditions:

1. For FD-i placement/renewal from 1 November 2018 onwards:

For full and partial withdrawal of FD-i of any tenure before the completion of its tenure, no profit will be paid for the withdrawn amount. For partial withdrawal, upon completion of the tenure, profit based on the contracted rate will be paid for the amount that is not withdrawn.

2. For FD-i placements/renewals prior to 1 November 2018:

For FD-i of 1 month, 2 months or 3 months tenure that is fully or partially withdrawn before the completion of its tenure, no profit will be paid for the withdrawn amount. For partial withdrawal, profit on the contracted rate will be paid for the amount that is not withdrawn;
For FD-i of 4 months and above that is fully or partially withdrawn after the completion of 3 months, profit of half of the contracted rate for each completed month of the withdrawn amount will be paid on the withdrawn amount. For partial withdrawal, profit on the contracted rate will be paid for the amount that is not withdrawn.

During your FD-i placement, you can choose to credit your profit into your own deposit account or add it into your principal amount.

You can give us instructions on renewal or rollover at any time before maturity. If you do not give us any renewal or rollover instructions, our system will automatically renew your FD-i. You will also have a grace period of fourteen days to rollover for a different period.

Need More Information?

Customer Help Centre

Find resources to solve simple issues you may face

Email Us

Drop us an email and we'll get back to you

Visit A Branch

Visit us at our branches nationwide

Call Us At

Local: 1300 888 828
Overseas: +603 2297 3000

Monday to Friday (8am-7pm), Saturday from 8am to 5pm (not inclusive of public holiday)

More Options

Fixed Deposit

Why Wait Fixed Deposit-i (FD-i)

Make a deposit with our Islamic Term Deposit account using Shariah principle of Tawarruq.

Fixed Deposit

Maturity Returns Fixed Deposit-i (FD-i)

Deposit with our Islamic Term Deposit Account using Shariah principle of Tawarruq.

Fixed Deposit

Foreign Currency Fixed Deposit-i (FCFD-i)

Enjoy a potentially higher profit rate when you deposit in a foreign currency.

I'm looking for

Monthly Returns Fixed Deposit-i (FD-i)

Benefits & Privileges

Deposit Duration Options

Predetermined Profit Rate

Highest Profit Rate

Monthly Profit Payments

Option to Pledge

Automatic Renewal

Eligibility & Requirements

Documents Required

Rates

Key Downloads

Terms & Conditions

Additional Features

Need More Information?

More Options

{{tile.title}}

Why Wait Fixed Deposit-i (FD-i)

Maturity Returns Fixed Deposit-i (FD-i)

Foreign Currency Fixed Deposit-i (FCFD-i)

Monthly Returns Fixed Deposit-i (FD-i)

Benefits & Privileges

Deposit Duration Options

Predetermined Profit Rate

Highest Profit Rate

Monthly Profit Payments

Option to Pledge

Automatic Renewal

Eligibility & Requirements

Documents Required

Rates

Key Downloads

Terms & Conditions

Additional Features

Need More Information?

More Options

{{tile.title}}

Why Wait Fixed Deposit-i (FD-i)

Maturity Returns Fixed Deposit-i (FD-i)

Foreign Currency Fixed Deposit-i (FCFD-i)

You are about to enter a third party website & CIMB Group's Privacy Policy will cease to apply.