Perlu duit cepat? Jangan jual emas – pajak je di Ar-Rahnu Bank Rakyat, Agro Bank, atau Public Gold. Rate margin 70%, upah simpan rendah. Baca cara & kiraan.
You have gold in savings. Suddenly your child starts college, your car breaks down, or your house needs repairs. Where do you get the money?
Option A: Sell the gold – lose money, because the price may rise again.
Option B: Lease gold at Ar-Rahnu – get cash, the gold is still yours, you can redeem it later.
Many people don't know, Public Gold and Kijang Emas gold are among the easiest to lease. I'll show you how, calculate the deposit fee, and which bank will give the best rate in 2026.
What is Ar-Rahnu? (Simple Explanation)
Ar-Rahnu is an Islamic pawnshop scheme – you leave gold as collateral, the bank lends money. Unlike the conventional system, Ar-Rahnu has no riba; instead, it is replaced with a deposit fee (ujrah).
Process:
Bring gold to Ar-Rahnu bank (Bank Rakyat, Agro Bank, Bank Islam)
Bank values gold (according to current price)
You get a loan of 70% of the gold value
Gold is stored in the bank – safe, insured
You repay the loan + storage fee within 6-12 months
Redeem gold – done!
Best Ar-Rahnu Bank Malaysia 2026 (Comparison)
Bank Margin Loan Wages Savings (months) Maximum Period Acceptance of Gold
Bank Rakyat 70% 0.8% – 1.0% 12 months Public Gold, Kijang, PG
Agro Bank 70% 0.75% – 0.9% 12 months Public Gold, Kijang, Maybank
Bank Islam 65% – 70% 0.8% – 1.0% 6 months + renewal Public Gold, Kelantan dinar
MBSB Bank 65% 0.7% – 0.8% 12 months Selected bars only
Winner: Bank Rakyat – highest margin (70%), accepts almost all Public Gold gold bars and nuggets.
How to Calculate How Much Money You Can Get
Formula:
text
Gold Value = Current Market Price × Weight (grams)
Loan = Gold Value × 70%
Savings = Gold Value × Rate × (Month/12)
Example (Public Gold 10g, price RM6,000):
Gold Value = RM6,000
Loan (70%) = RM4,200
Savings (0.8% for 6 months) = RM6,000 × 0.8% × (6/12) = RM24
You get RM4,200 in cash, pay RM24 as a monthly savings fee (total RM144 for 6 months).
After 6 months, pay back RM4,200 + RM144 = RM4,344. Redeem the gold.
5 Reasons Why Ar-Rahnu Is Smarter Than Selling Gold
No loss of potential price increase – Gold price increases again during the lease period? You still make a full profit when redeeming.
Fast process – Within 30 minutes, money is in your account.
Safe gold – Stored in a bank vault, insured.
No early settlement penalty – Want to redeem early? That's fine.
Islamic & halal – No usury, only transparent storage fees.
Types of Gold Accepted by Ar-Rahnu
✅ Accepted (Mandatory):
Public Gold (1g, 5g, 10g, 20g, 50g, 100g, 1kg) – with certificate
Maybank Gold Bar (purchased from Maybank)
Kelantan Dinar (4.25g)
❌ Not Accepted:
Gold jewelry without a certificate
Gold from an unclear source (African gold without a certificate)
Gold that is bent or badly damaged
Warning: African gold that you buy from an unofficial source will NOT be accepted at Ar-Rahnu because it does not have a verification certificate. This is another reason why local gold is safer.
Strategy to Use Ar-Rahnu to Double Profit
"Roti Canai" Technique – buy gold, tax, buy more:
Buy 10g gold (RM6,000) using your own money
Tax gets RM4,200
Use RM4,200 to buy another 7g of gold
Now you hold 17g of gold with only RM6,000 capital
When the price goes up 20%, sell it all → double profit
⚠️ Risk: The price of gold goes down, you have to top up your margin. Only for experienced investors.
📌 Save this post – when you suddenly need money, you know the first step: go to Ar-Rahnu, not sell gold at a loss.
Calculator ar rahnu agrobank pdf
