Ar Rahnu

Daily Gold Price

Effective Update: 22 Jan, 2020

NoGold Standard
("Mutu Emas")
Price per gram (RM)

Encash your gold items and get an immediate fund today with Muamalat Ar-Rahnu. Muamalat Ar-Rahnu offers a high margin of advance up to 80% (New and Existing Customers) of the pledged gold value with a low safekeeping fee. It is also based on four Shariah concepts Qard (loan), Wadiah Yad Dhamanah (safekeeping/deposits with guarantee), Ujrah (fee) and Rahn (pawnbroking).

Applicant Eligibility

  • Open to all Malaysian citizens and Permanent Residents, aged 18 and above
  • Not declared a bankrupt


  • Fully-Shariah compliant product
  • Free from Riba’ (usury) and Gharar (uncertainty)
  • Low safekeeping fees
  • High margin of advance
  • Fast, easy and secure
  • Gold cleaning service

Loan Margin

  • Up to 80% margin of advance from gold value or maximum loan amount of RM1,000,000 (RM500, 000 for gold jewelry, gold coin, dinar and gold bar, as well as another RM500,000 for Perth Mint gold bar); whichever is lower

Aceeptable Gold Collaterals

  • Gold/jewelry (without precious stone) of standards 750, 835, 875, 916, 950 and 999.
  • Accept all types of gold bars/bars/coins/ wafers of standards 916, 950 and 999 from all goldsmiths, institutions, authorized distributors except those blacklisted by Bank Negara Malaysia (BNM), “Consumer Alert”, “Fraud Alert” and “SC Security Alert”.

Please click the following links for further details:

Pawn Duration

  • 6 months with maximum of 2 times extension of 6 months; subject to full settlement of the previous Ar Rahnu safekeeping fee.

Safekeeping Fees Rate

Gold ValueMonthly Safekeeping Fee (For every RM100 Gold Value)
Up to RM1,000 RM0.65
RM1,001 – RM5,000 RM0.75
RM5,001 and above above RM0.85

Comparison On The Calculation Of Safekeeping Fee For Muamalat Ar Rahnu And Conventional Pawn Broking

  • Example
    a. Gold value : RM1,000
    b. Loan : RM800
    c. Safekeeping fee : RM0.65 of every RM100 based on RM1,000 gold value
    d. Duration : 6 months
  • Calculation of safekeeping fee for Muamalat Ar Rahnu :
    Safekeeping fee = a x (c/100) x 12 x 183/365
  • Calculation of safekeeping fee for conventional pawn broking:
    Safekeeping fee = b x 2% x 6
Muamalat Ar Rahnu Conventional Pawn Broking
Safekeeping fee = RM1,000 x 0.65/100 x 12 x 183/365 (6 months)
= RM39.10
Safekeeping fee = RM800 x 2% x 6 months
= RM96.00
Comparison of 6-month safekeeping fee :
Conventional Pawn Broking = RM96.00
Muamalat Ar Rahnu = RM39.10
Difference = RM56.90

Installment Payment

  • Payment for safekeeping fee and loan can be made at our branches, ATM, CDM and Internet Banking

Pawn Redemption

  • Redemption can be done in deferred or lump sum payment before or upon maturity

How To Apply

  • Fill up the Ar-Rahnu application form
  • Bring along your original identification card (NRIC) and gold item(s) to be pledged

Ar-Rahnu Marketing Brochures

Download here

*Product disclosure Sheet (PDS)

Download here

*Frequently Asked Questions (FAQ)

Download here

Muamalat Ar-Rahnu

Published on Nov 11, 2019

Simpan barang emas anda di Muamalat Ar-Rahnu dan anda mampu menikmati 80% pinjaman dari harga emas!
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