Maturity Returns Fixed Deposit-i (FD-i)

Deposit Duration Options

Choose a deposit duration from 1 to 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.
Profit Payments

We will pay the profit when your investment matures. You can receive your profit via fund transfer to your CIMB Islamic Bank Savings or Current Account-i, or by cheque or demand draft.
Interim Profit

Get interim profit payments every 6 months for tenures above 12 months.
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 RM5,000 for 1-month tenure.
Minimum deposit placement of RM1,000 for a 2-month tenure and above, with deposit increment in any amount.

Documents Required

Individuals

Photocopy of Identity Card or passport

Business Enterprises

Certified copy of the following by Company Secretary:

Memorandum & Articles of Association - Certificate of Incorporation
Form 24 – Return of Allotment of Shares
Form 49 – Particulars of Directors
Resolution from Board of Directors to open account & list of authorised signatories
Business registration form (sole proprietors/partners)
Photocopies of Identity Cards 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

Key Downloads

Business Account Application Form and Guidelines

Terms & Conditions

Fixed Deposit-i Terms and Conditions (ENG)

Fixed Deposit-i Terms and Conditions (BM)

Rates

Effective 19 June 2026

Tenure (Month)	Board Rate (% p.a.)
1 month	1.75%
2 months	1.75%
3 months	1.75%
4 months	1.85%
5 months	1.85%
6 months	1.85%
7 months	1.90%
8 months	1.90%
9 months	1.90%
10 months	1.90%
11 months	1.90%
12-14 months	1.90%
15-17 months	2.00%
18-20 months	2.00%
21-23 months	2.00%
24-35 months	2.00%
36-47 months	2.05%
48-59 months	2.05%
60 months	2.05%

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

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.