Fixed Return Income Account-i (Maturity Returns)

Here’s how you can make your placement online via CIMB Clicks on desktop or CIMB Clicks mobile app.

Eligibility

Individuals aged 18 years and above
Joint account is allowed

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

Requirements

NRIC or passport
Minimum deposit placement of RM5,000 for a tenure of 1 month and RM1,000 for tenures of 2 to 60 months
Deposit increment in multiples of RM1
A copy of utility bill for verification of address

Profit Rates

Fixed Return Income Account-i Maturity Returns Profit Rates

Based on the Shariah concept of Tawarruq.

Fees and Charges

Fixed Return Income Account-i Maturity Returns Fees and Charges

Terms and Conditions

Fixed Return Income Account-i Terms and Conditions (ENG)

Fixed Return Income Account-i Terms and Conditions (BM)

Declaration/ Disclosure by Applicant (ENG & BM)

Important Notes

Withdrawal is allowed at a minimum of RM1,000 and in multiples of RM1,000 under the same account number. Applicable for new and renewed FRIA-i account effective 18 January 2015 onwards.

Upliftment/Withdrawal before maturity is allowed through a rebate or Ibra’ clause whereby the customer agrees to give rebate in case of early demand of Murabahah Sale Price. Amount uplifted/withdrawn will be subjected to the following conditions:

For FRIA-i placements/renewals from 1 November 2018 onward:

No profit will be paid for the withdrawn amount.
For FRIA-i placements/renewals prior to 1 November 2018:

i. FRIA-i for 1 to 3 months' tenure
No profit will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

ii. FRIA-i for 4 months' tenure and above
Before Completion of 3 months
No profit will be paid for any fully or partially* withdrawn amount.

After Completion of 3 months
For any fully or partially* withdrawn amount, half the profit of the contracted rate for each completed month of the withdrawn amount is payable.

*Profit on the contracted rate is payable for the amount that is not withdrawn.

FAQ

Fixed Return Income Account-i Frequently Asked Questions

Place your eFRIA-i now via CIMB Clicks

Place your eFRIA-i now via CIMB Clicks

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FIXED RETURN INCOME ACCOUNT-i (MATURITY RETURNS)

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