Islamic Fixed Deposit-i (IFD-i) is a hybrid product with the combination features of GIA-i and PNA-i. It is based on the Shariah concept of Murabahah (cost-plus sale). It uses a specific Shariah-compliant commodity as the underlying asset for the sale and purchase transaction between customer and the Bank.

Eligibility:

• Individual accountholders aged 18 and above
• Joint accountholders (maximum 4 joint accountholders)
• Business Enterprise / Sole Proprietor / Sdn Bhd
• Associations / Clubs / Societies / Organizations
• Trustees
• Foreigners
• Government and Corporate Funds

Features & Benefit:

Initial Deposit

• 1 month - RM5,000
• 2 months and above - RM1,000

Tenure

Up to 60 months

*Profit Payment

Based on tenure of placement, the profit will be paid as follows :-

1. Monthly
2. Half-yearly
3. On maturity

*Takaful Coverage (eTiQa Takaful)

Covers Death, Total Permanent Disability (TPD), medical expenses and funeral expenses as follows:-

• Covers Malaysian individuals / joint accounts only
• For Joint accounts, covers the primary holder only

Total Amount Placement (RM)	Sum Covered Death /TPD	Medical Expenses	Funeral Expenses
RM1,000 to RM10,000	Up to RM10,000	Up to RM1,000	RM1,000
Above RM10,000	RM10,000	RM1,000	RM1,000

Customer		Customer		Expected Sum Covered (Death / TPD)
Ali		RM1,000		RM1,000
Abu		RM5,000		RM5,000
Abu + Ali		RM3,000		Abu is entitled for a total of RM3,000 Takaful coverage.
Ahmad		RM1,000,000		RM10,000
Aishah + Abu		RM5,000		Aishah is entitled for a total of RM5,000 Takaful coverage
Aishah		RM20,000		Aishah is entitled for another RM5,000 Takaful coverage.

Note : However : -
a. Total for Abu is RM8,000
b. Total for Aishah is RM10,000

Required Documents:

You and / or your joint accountholders will need to go to the nearest Maybank / Maybank Islamic branch along with the following relevant documents :

• Valid MyKad for Malaysians
• Valid Passports for Foreigners and Other documentary evidence required by Authority according to the purpose of visit/stay in Malaysia.

How to Apply:

• At Maybank / Maybank Islamic Branches
• Via Maybank2u.com

Fee and Charges:

Item	Details	Fee
Fixed deposit account balance transfer	a - Forwarding branch (Collecting branch)	Free
	b - Receiving branch (Home branch)	Free

*Terms and conditions apply