Products & Services
Complete range of Islamic financial products for individuals, farmers, and entrepreneurs.
Deposit
12 products
Agro Farah-i Savings Account
Shariah-compliant savings account exclusively for individual women, operating on Tawarruq concept. Unique monthly bonus feature rewards family savings...
Agro Perdana-i
Akaun Simpanan Agro Perdana-i adalah akaun simpanan premium yang menawarkan potensi pulangan Hibah yang lebih tinggi berbanding akaun simpanan biasa....
AgroPerdana-i PLUS
Shariah-compliant Giro Account for non-individual entities (businesses, government agencies, cooperatives, societies) based on Tawarruq concept. Provi...
Basic Savings Account-i (Agro BSA-i)
Agro BSA-i (Basic Savings Account-i) adalah akaun simpanan Islam asas dengan deposit awal minimum RM1. Patuh Syariah (Wadiah), dilindungi PIDM, dengan...
AgroTani-i
A Shariah-compliant savings account based on Qard (lending) contract, tailored for individuals and non-individuals (societies/associations/clubs) addr...
AgroTani-i PLUS
A Shariah-compliant savings account for individuals operating under Tawarruq concept involving commodity-based transactions. Monthly profit credited p...
AgroMuda-i
Islamic savings account designed for children from as young as 1 day old to inculcate saving habits. Uses Qard concept where bank guarantees repayment...
AgroMuda-i PLUS
Shariah-compliant savings account for children using Tawarruq concept, with profit credited monthly per effective profit rate. Supports Trust, Minor,...
FRIA-i (Fixed Return Islamic Account)
FRIA-i (Fixed Return Islamic Account) adalah akaun deposit bertempoh Islam dengan pulangan tetap terjamin. Berkonsep Tawarruq, dilindungi PIDM sehingg...
FRIA-i 45Plus
A fixed return investment account for senior citizens aged 45 and above where the profit rate is disclosed upon application based on Tawarruq transact...
AgroPrimaS
Specially designed Term Deposit-i Account based on existing Agrobank FRIA-i promoted under the Sahabat Agro Program. Tawarruq concept with fixed 12-mo...
AGROGold Account-i
Islamic gold investment account allowing customers to purchase and hold gold via Shariah-compliant banking. Gold price movement tied to prevailing mar...
Consumer Financing
6 products
Hartani-i (Tawarruq)
Islamic financing facility designed for government servants, private sector employees (permanent and contract), and stable income earners to purchase...
AgroCash-i
AgroCash-i adalah pembiayaan peribadi Islam Agrobank di bawah konsep Tawarruq. Menyediakan wang tunai untuk pelbagai keperluan peribadi termasuk pengu...
Ar-Rahnu
A Shariah-compliant financing facility enabling customers to convert gold into cash. The product uses gold as collateral to secure debt obligations, w...
SAFIA-i
Special Advance for Islamic Account-i (SAFIA-i) is a short-term financing facility offered to Agrobank Term Deposit-i account holders. Allows access t...
Mega Partners by Sahabat Agro
Marketing initiative by Agrobank promoting deposit products based on expertise, referral, and rewards through the Sahabat Agro program. Shariah-compli...
Skim Istimewa Kakitangan Kerajaan
Special financing program offering a revolving cash line facility for eligible government employees under Ministry of Agriculture and Food Security (K...
Business Financing
12 products
AGRO Cash Line-i
Overdraft facility designed to finance agriculture-based businesses, structured according to Tawarruq principles. Flexible working capital access with...
AGRO Contract Financing-i
Islamic business financing facility for contractors to fund working capital and contract fulfilment costs. Part of Agrobank's Business portfolio. Uses...
AGRO Fund For Food (3F)
Financing facility designed to increase domestic food production and reduce food imports by providing funding for food sector projects at reasonable c...
AGRO Industrial Hire Purchase
A facility to finance the purchase of machinery, equipment or commercial vehicles used for production, processing and marketing of agriculture and/or...
AGRO Kredit Mikro
Uncollateralised micro financing for business purposes structured on Tawarruq transactions. Provides credit facilities to micro entrepreneurs for agri...
MAEF-i (Machinery & Equipment)
MAEF-i (Machinery & Equipment Financing) menyediakan pembiayaan untuk pembelian jentera dan peralatan di bawah konsep Ijarah. Direka untuk membantu us...
AGRO Modal Kerja-i
Modal Kerja-i is a short-term revolving credit facility providing financing for customers seeking working capital. Structured using Tawarruq transacti...
AGRO Pembiayaan Kelapa Sawit
Business financing facility designed specifically for palm oil plantation development including establishment, maintenance, and replanting activities.
AGRO Pembiayaan Padi
Collateral-free paddy financing supporting working capital for rice farming. Four financing scopes covering BERNAS, PPK, KPK suppliers, and independen...
AGRO Penjaja-i
AGRO Penjaja-i (including Penjaja Cashline-i variant) - business financing program supporting hawkers and micro entrepreneurs in Malaysia. Part of Agr...
SALF-i (Strategic Alliance)
AGRO Strategic Alliance Financing-i (SALF-i) - financing for development projects in agriculture and agro-based economic activities initiated by State...
AGRO Term Financing-i
Islamic financing facility provided to customers for carrying out activities or projects relevant to the agricultural sector. Based on Tawarruq transa...
Government Program
10 products
PROGRAM BERNAS Financing
Initiative offering working capital financing to BERNAS-registered service providers for paddy farming operations and crop management. Supports farmer...
PROGRAM CAKNA Financing
Financing facility for micro, small, and medium contractors Grade G1-G4 awarded Federal Government contracts. Supports working capital and cash flow t...
PROGRAM PRIMA (Gov Guarantee)
Government Guarantee Scheme for Pembiayaan Reformasi Ekonomi Madani (PRIMA) - financing for MSMEs targeting operating capital or fixed asset purchase...
PROGRAM AgroFood Facility
Special financing scheme for Malaysian SMEs in the agrofood sector, designed to support production increases for local and export markets. Government...
PROGRAM AGRO PINTAS
Agrobank program supporting agricultural micro/small entrepreneurs. Listed in Agrobank financing portfolio under PINTAS initiative. Refer to PDS for d...
PROGRAM PUSHPA
Joint initiative between Pahang State Government and Agrobank providing Tawarruq-based financing to micro and small entrepreneurs in Pahang to develop...
PROGRAM RAFt (Relief & Adaptation)
Program RAFt (Relief and Adaptation Financing) membantu usahawan pertanian menyesuaikan diri dengan perubahan iklim dan mengurangkan kesan bencana ala...
PROGRAM UTAMA-TERNAK
Skim Usahawan Ternakan Ayam Madani for commercial broiler and crossbred village chicken farms up to 35,000 birds. Tawarruq-based working capital for d...
PROGRAM Kediaman Mampu Milik-i
Housing financing facility designed for Malaysian residents in agricultural areas to realize homeownership, particularly targeting those without fixed...
PACKAGE AGRO HALAL
Financing package designed to support SMEs in developing halal-certified businesses aligned with Malaysia Halal Certification (JAKIM) requirements. Tw...
Takaful & Protection
4 products
Takaful Kasih Plus
24-hour personal accident protection plan offering benefits for death or permanent disability from accidents worldwide. Administered by Syarikat Takaf...
Agro Takaful Aspirasi
Family takaful endowment plan (pelan endowmen takaful keluarga) providing financial protection and savings growth. Administered by Syarikat Takaful Ma...
Agro Takaful Flexi
A wide coverage takaful plan against death, Total and Permanent Disability (TPD), Critical Illness (CI) and other unforeseen events, tailorable accord...
Agro Motor Takaful
Comprehensive private motor takaful plan offering coverage for vehicle losses/damages from accident, fire, or theft, plus third-party liability protec...
Trade Finance
5 products
Letter of Credit-i
Written undertaking issued by the issuing bank to the seller (beneficiary) upon buyer request to pay a specified sum upon presentation of compliant do...
Bank Guarantee-i
Islamic banking product where Agrobank issues a written undertaking to a third party (beneficiary) to secure a customer's obligation. Based on Kafalah...
Documentary Collection-i
Service rendered by the Bank to handle and deliver commercial documents as instructed by instructing party (Collecting Bank/Seller or Drawer). Based o...
TWCF-i (Trade Working Capital)
Trade Working Capital Financing-i (TWCF-i) - short-term Islamic financing facility for working capital requirements in agriculture and agro-based indu...
Murabahah Trust Receipt
Short-term working capital financing for domestic and overseas purchases based on documents drawn under the Letter of Credit-i issued by the Bank. Isl...
Card Products
3 products
AGRO Debit Card-i
Shariah-compliant debit card for personal and business use, accepted at 30 million Visa merchants and MyDebit merchants nationwide, plus 256+ ATMs in...
AGRO Business Debit Card-i
Debit card designed for business owners that balances business and lifestyle needs domestically and internationally while simplifying accounting and e...
AGRO Corporate Debit Card-i
AGRO Corporate Debit Card-i (ADC-i) designed to balance business and lifestyle needs domestically and internationally. Simplifies accounting and purch...