Retail MYR Denominated Negotiable Instruments of Deposit

Instant approval and disbursement, with rates from as low as 4.38%p.a.*. Unlock financial flexibility with CIMB Cash Plus Personal Loan. Bank personal loan with low interest rate for loan up to RM100,000. 5 years tenure, no collaterals and guarantors required.

Find Out More

Quicklinks

Upload Documents

Check Application

What is NID?

Negotiable Instruments of Deposit (NIDs) are investments that provide a principal guarantee on the capital invested if held to maturity, offering investors a secure investment with a predetermined rate of return. Key features include:

Principal Guarantee: Your initial capital is guaranteed if the investment is held until maturity.
Pre-Agreed Tenor: Suitable for investors who are willing to hold the NID for a pre agreed tenor/maturity. Early redemption may result in a loss of part of the initial investment amount.
Fixed Tenor and Returns: Capital are committed for a fixed period, in exchange for a predefined rate of returns. The returns may be paid periodically (e.g., quarterly, semi-annually, or annually) based on the product structure.

This product is NOT protected by Perbadanan Insurans Deposit Malaysia.

Suitable for: Defensive investors

Why You Should Invest in NID

Enjoy

100% Principal Guaranteed

if held to maturity

Provide

Certainty

of fixed return(s)

Provide Multiple

Investment Tenors

of your choice

Benefits & Privileges

Principal Guaranteed

100% principal guaranteed, meaning your initial investment principal will be returned to you as long as you hold the investment until its maturity.
Investment Tenure

Offers flexibility to invest across multiple tenures.
Fixed Coupon

Provides a fixed coupon paid periodically to ensure predictable returns.

What Are The Key Product Risks?

Credit Risk

This investment is principal guaranteed if the investment is held to maturity. This investment is NOT protected by Perbadanan Insurans Deposit Malaysia. The payment of the Principal Amount or returns (coupons) of this Investment depends upon the ability of the Bank to make such payments.

Callable Risk

This investment is callable by the Issuer periodically, investors face the risk of not being able to find alternative investments as attractive as the Investment if the Investment is called back.

Early Redemption Risk

If this investment is redeemed earlier than at maturity due to an early redemption, the investor may not necessarily receive the same redemption price as if it were to held to maturity, including the possibility of some degree of principal loss.

Eligibility & Requirements

Minimum investment amount of RM65,000

For purchase by retail investors including natural persons, sole proprietorships, partnerships and small and medium enterprises (SMEs).

Important Notes

WARNING
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

MEMBER OF PIDM.

For further information, please contact your relationship manager or visit any of our CIMB Bank branches.

Need More Information?

Customer Help Centre

Find resources to solve simple issues you may face

Email Us

Drop us an email and we'll get back to you

Visit A Branch

Visit us at our branches nationwide

Call Us At

+603 6204 7788

(Available 24 hours)

More Options

Investment Products

Floating Rate Negotiable Instruments of Deposit (FRNID)

Gain access to a wider range of markets and payout structures.

Investment Products

Bonds

A fixed income investment that provides a stream of regular income from selected bonds.

Investment Products

e-Gold Investment Account (eGIA)

Enjoy a simpler and secure way to invest in gold with the e-Gold Investment Account via CIMB Clicks.

I'm looking for

Negotiable Instruments of Deposit (NID)

What is NID?