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About Us

About us

Pos Malaysia Berhad embarked on introducing Islamic Micro Financing as one of its new services within a postal environment. Pos ArRahnu Sdn. Bhd. was established in July 2012 with the opening of its first two outlets in Pejabat Pos Bandar Baru Bangi and Kuala Terengganu. To date, there are 75 Pos ArRahnu outlets opened at selected post offices nationwide.

 

In line with its syariah-compliant business, Pos ArRahnu offers pawn-broking financing of up to 75% of the appraised value of gold. This financing method is not only targeted to Muslims but it is also offered to all Malaysians and foreigners with valid passport. This micro credit financing is also expected to assist small traders, low income families as well as civil servants to avail themselves to a source of easy credit in fast, simple and safe environment.

 

By offering interest-free financing to everyone, Pos Malaysia enhances its corporate social responsibility to another level. Pos ArRahnu Sdn Bhd is expected to be a major player in the Islamic Micro Financing Business in the near term.

Services

Services offered

ArRahnu

  • This scheme provides cash financing to everyone who needs instant cash based on Syariah pawn broking principles
  • All items are fully insured

 

ArRahnu Simpan

  • This scheme provides secured gold safekeeping services to everyone as alternative to safe deposit box
  • All items are fully insured

 

Elibility

  • Malaysian citizen (muslim & non-muslim)
  • Permanent Resident
  • Foreigners with the valid passport
  • 18 years old and above

 

Financing margin

ArRahnu

  • Financing of up to 75% from appraised value (marhun)
  • Financing amount shall not exceed RM30,000.00 per person per day and maximum total accumulated financing is RM100,000.00 per person

 

ArRahnu Simpan

  • Safe keeping services only (no financing)

 

Tenure

ArRahnu

  • Financing Tenure: 6 months
  • Extension: extension of 6 months after settlement of outstanding safe keeping fees

 

ArRahnu Simpan

  • Tenure: 1 month to 6 months

 

Accepted collaterals

ArRahnu

  • We accept all kinds of yellow gold jewelleries ranging from 18K to 24K (type of gold: 750, 835,875, 916, 950, 999)
  • All stones weight will be deducted from the total jewelleries weight
  • Only Pamp Suisse Minted Bar & Public Gold up to 100 grams wafer are accepted

 

ArRahnu Simpan

  • We accept all kinds of yellow gold items ranging from 9K to 24K

 

Safekeeping fees

ArRahnu

  • The monthly safe keeping fee is fixed at a competitive rate of RM0.75 for every RM100.00 marhun (appraised value)

 

ArRahnu Simpan

  • The safekeeping fee is fixed at RM0.65 for every RM100.00 marhun (appraised value)

 

Auction fees

ArRahnu

  • When collateral is not redeemed upon expiry, the item will be auctioned at prevailing gold price
  • Pos ArRahnu will charge an administrative fee from the auctioned item
  • The excess from the auction proceeds will be refund to the rightful owner

 

ArRahnu Simpan

  • Not applicable

 

Latest sevices

  • Gold Cleaning Service for only RM2.00 per item
  • Free Gold Appraisal for Zakat
Outlets

Perlis

OutletAddressOperation ManagerContactEmailOperation Time
Kangar JKR 751, Jalan Penjara, 01670 Kangar Faizah Binti Zainol Abidin 04-9760317(TEL)
04-9762475 (FAX)
ar-Rahnu.kangar@
posarrahnu.com.my
Monday - Friday
8:30am - 5:30pm
Arau JKR 533, Jalan Besar Arau, 2600 Arau Mohd Muhaymin Bin Ali 04-9861548 ar-rahnu.arau@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Kedah

OutletAddressOperation ManagerContactEmailOperation Time
Sungai Petani JKR F748, Jalan Pengkalan, 08000 Sungai Petani Norhayati Binti Ismail 04-4211223 ar-rahnu.sungaipetani@
posarrahnu.com.my
Sunday - Thursday
8:30am - 5:30pm
Kulim JKR 1349, Jalan Raya, 09000 Kulim Ramlah Binti Romli 04-4900375 ar-rahnu.kulim@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Jitra JKR 2706, KM 21, Jalan Changloon, 06000 Jitra Siti Farah Binti Hassan 04-9170925 ar-rahnu.jitra@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
GPO Alor Setar Bangunan Pejabat Pos Besar, Jalan Stadium, 05670 Alor Setar Takhiyuddin Bin Abd Aziz 04-7312059/8 ar-rahnu.alorsetar@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm

Pulau Pinang

OutletAddressOperation ManagerContactEmailOperation Time
Bukit Mertajam JKR 836, Jalan Arumugam Pillai, 14000 Bukit Mertajam Khairul Azian Binti Abdul Rahim 04-5305630 ar-rahnu.bkt_mertajam@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Kepala Batas JKR A13, Jalan Bertam, 13200 Kepala Batas Mohd Izwan Bin Desa 04-575 4603 ar-rahnu.kepala_ batas@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Dato Keramat JKR 56, Jalan Dato Keramat, 10460 Dato Keramat Mohd Nasrul Faisal Bin Abdul Samat 04-2246784
04-2260221
ar-rahnu.datokeramat@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Perak

OutletAddressOperation ManagerContactEmailOperation Time
Bagan Serai JKR 218, Jalan Besar, 34300 Bagan Serai Vacant 05-7210742 ar-rahnu.bagan_serai@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Gerik JKR 17, Berkeley Square, 33300 Gerik Shahidah Bt Dzulkifli 05-7913418 / 3294 ar-rahnu.grik@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Sri Manjong JKR 607F, Jalan Ketapang, 32040 Sri Manjung Khairiah Binti Sulaiman 05-6870410 / 409 ar-rahnu.sri_manjung@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Tanjung Malim JKR 228, Jalan Kotoyong, 35900 Tanjong Malim Noor Badariah Binti Ibrahim 05-4583185 / 182 AR-Rahnu.Tg_Malim@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Batu Gajah Jkr60a Jalan Pejabat Pos, 31000 Batu Gajah Siti Hajar Binti Mohame Yusoff 05-3652685 ar-rahnu.batu_gajah@
posarrahnu.com.my
Monday-Friday
8.30am-5.30pm
Ipoh JKR 5120, Jalan Kelab, 30670 Ipoh Siti Nurul Akma Binti Arifin 05-241 2075 Ar-Rahnu.ipoh@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Parit Buntar JKR 32 - 34, Jalan Stesyen, 34200 Parit Buntar Aizat Bin Mohd Kassim 05-7172759 Ar-Rahnu.pbuntar@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Kuala Kangsar JKR 40, Jln Petani,33000 Kuala Kangsar Perak Nur Asyikin Binti Mad Desa 05-7763481
05-7763508
kuala.kangsar@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Taiping JKR 102 Jln Barak 34000 Taiping Nurul Huda Binti Md Husin 05-8054735 taiping@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Selangor

OutletAddressOperation ManagerContactEmailOperation Time
Bandar Baru Bangi JKR, 208 A, Jalan 6C/9, 43650 Bandar Baru Bangi, Selangor Norzam Zarina Binti Razali 03-89221261 Ar-Rahnu.Bangi@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Klang Utara JKR 1093, Jln Pos Baru, 41300 Klang , Selangor Anita Binti Ab Rahman @ Othman 03-33411679 ar-rahnu.klang.utara@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Sabak Bernam JKR 218, Jln Dato' Onn, 45200 Sabak Bernam, Selangor Norazwa bt Samad 03-32161934 Ar-Rahnu.Sabak_Bernam@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Semenyih No.232, Kg. Baru, 43500 Semenyih Sarirah Bt Mohd Saifuddin 03-87231746 Ar-Rahnu.Semenyih@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Dengkil JKR 1164-A, Bt 13 Jalan Banting, 43800 Dengkil Farah Fatahiyyah Bt Che Yusoff 03-87680637 ar-rahnu.dengkil@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Telok Panglima Garang JKR 1348, Jalan Besar, 42500 Telok Panglima Garang,Selangor Issayuslinda Binti Ismail 03 - 3122 0725 ar-rahnu.tpgarang@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Tanjong Karang JKR 208, Jln Kilang Padi, Tanjong Karang, 45500 Selangor Mohd Latiffi Bin Ab. Azid 03-32681152 Ar-Rahnu.tkarang@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Kajang JKR 78, Jln Hishamuddin, 43000 Kajang, Selangor Faridah Bte Ismail 03-87334459
03-87334580
Ar-Rahnu.kajang@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
GPO Shah Alam AR RAHNU POS GPO SHAH ALAM PERSIARAN DATO MENTERI 40670 SHAH ALAM Juhana Mohd Idris 03-55100190 Ar-Rahnu.shahalam@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Rawang Pos Malaysia Cawangan Rawang Jln Maxwell 48000 Rawang Selangor Mohd Rahimi Bin Abu Bakar 03-60913203 ar-rahnu.rawang@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Kelana Jaya NO 2 JALAN SS6/2 KELANA JAYA 47301 PETALING JAYA S.D.E Sharifah Fairus Binti Syed Abdul Rahman 03-78030594
03-78030690
kelana.jaya@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Kuala Lumpur

OutletAddressOperation ManagerContactEmailOperation Time
Jinjang JKR 1693, Jalan Besar Kepong, 52000 Kuala Lumpur Norren Binti Nooh 03-62500114 Ar-Rahnu.Jinjang@ posarrahnu.com.my Monday - Friday 8:30am - 5:30pm
Gombak 1950 & 2793, Batu 5, Jalan Gombak, 53000 Kuala Lumpur Siti SafarahidaBinti Mohd Jamri 03-40211628 Ar-Rahnu.gombak@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Negeri Sembilan

OutletAddressOperation ManagerContactEmailOperation Time
Port Dickson JKR 586P, Jalan Baru, 71000 Port Dickson Zulkefli Bin Hassan 06-6462506 Ar-Rahnu.Port_Dickson@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Tampin JKR 77, Jalan Kelab, 73000 Tampin Habibah Nazifah Binti Muktar 06-4415092 ar-rahnu.tampin@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
GPO Seremban Jln Tuanku Antas 70000 Seremban Nor Syeana Binti Keman 06-7629373 Ar-Rahnu.seremban@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Melaka

OutletAddressOperation ManagerContactEmailOperation Time
Jasin JKR 3671, Jalan Besar, 77000 Jasin Jefriwan Bin Ja'afar 06-5291954 ar-rahnu.jasin@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
GPO Melaka Pejabat Pos Besar, 75670 Bukit Baru Melaka Shazeah Binti Zainal 06-2818728 Ar-Rahnu.GPO melaka@posarrahnu.com.my Monday - Friday 8:30am - 5:30pm
Masjid Tanah JKR 2880 Jalan Besar, 78300 Masjid Tanah, Melaka Mohd Jefry Afanizam Bin Mat Isa Jefriwan Bin Ja'afar ar-rahnu.m_tanah@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Ayer Keroh Jalan Lebuhraya, Ayer Keroh, 75450 Melaka Vacant 06-2530695 Ar-Rahnu.akeroh@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Johor

OutletAddressOperation ManagerContactEmailOperation Time
Tangkak JKR 3019, Jalan Payamas, 84900 Tangkak, Johor Noorul Wahidah Binti Mohd Nor 06-9784642 ar-rahnu.tangkak@
posarrahnu.com.my
Sunday - Thursday
8:30am - 5:30pm
Pontian JKR 1479, Jalan Pejabat, 82000 Pontian, Johor Khairun Nisaq Binti Ismail 07-6867484 ar-rahnu.pontian@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Skudai PTD 1712, Jalan Skudai Batu 10, 81300 Skudai Fadzilah Binti Mohd Saifuddin 07-5566180 ar-rahnu.skudai@ posarrahnu.com.my Sunday - Thursday 8:30am - 5:30pm
Muar JKR 2200, Jalan Othman, 84000 Muar Ahmad Bin Adli 06-9556796 ar-rahnu.muar@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Segamat JKR 1146, Jalan Awang, 85000 Segamat Nor hidayah Zainal 07-9325214 ar-rahnu.segamat@ posarrahnu.com.my Sunday - Thursday 8:30am - 5:30pm
Bandar Tenggara Lot 1214, Jalan Tun Mahmud, 81000 Kulai Mohd Saiful Bin A Rahman 07-8962245 ar-rahnu.bandar.tenggara@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Labis JKR 250, Jalan Yong Peng, 85300 Labis Mariah Suhaini Binti Mohd Sayuthi 07-9251360 ar-rahnu.labis@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
GPO Johor Bahru JKR 2521, Jalan Dato' Onn, 80000 Johor Bharu Mohd Azizi A Rahman 07 2212896 Ar-Rahnu.jb@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Gelang Patah JKR 4891, Jalan Besar, 81550 Gelang patah Noor Azidah Binti Idris 07-510 1227
07-5101264
ar-rahnu.glgpatah@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Simpang Renggam JKR 1363, Jalan Johor, 86200 Simpang Renggam Norsiah bte Yunos 07-7551362 ar-rahnu.spgrenggam@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Parit Raja JKR 1148, Jalan Besar, 86400 Parit Raja Sarah Nadia Binti Mohd Khan 07-4530619 ar-rahnu.paritraja@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Kota Tinggi JKR 670, Jalan Lombong, 81900 Kota Tinggi Mohd Najib Bin Saad 07-8823591 ar-rahnu.kotatinggi@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Tampoi JKR 2386, Lorong Nenas, 81200 Tampoi Vacant 07-2328946 Ar-Rahnu.tampoi@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm

Pahang

OutletAddressOperation ManagerContactEmailOperation Time
Jerantut JKR 69, Jalan Besar, 27000 Jerantut, Pahang Syumaisyi Bin Omar Mokhtar 09-2663303 ar-rahnu.Jerantut@
posarrahnu.com.my
Monday - Friday
8:30am - 5:30pm
GPO Kuantan JKR 1436, Jalan Abd. Aziz, 25670 Kuantan Norzuidayu Binti Zulkifli 09-5130157
09-5131726
ar-rahnu.kuantan@ posarrahnu.com.my Monday - Friday 8:30am - 5:30pm
Bandar Pusat Jengka No. 1, Jalan Besar, 26400 Bandar Pusat Jengka Nurul Aida Adiha Hashim 09-4661862
09-4661863
ar-rahnu.jengka@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm
Mentakab JKR 14 Jalan Besar 28400 Mentakab Pahang Mohd Abdul Malik Bin Awang 09-2770260 ar-rahnu.mentakab@
posarrahnu.com.my
Tel : 09-2770260
Monday - Friday 8:30am - 5:30pm
Temerloh JKR 104 Jln Hj Ahmad Shah 28000 Temerloh pahang Mohd Ainol Syafiq Bin Mohd Anuar 09-2961033 ar-rahnu.temerloh@
posarrahnu.com.my
Monday - Friday 8:30am - 5:30pm

Terengganu

OutletAddressOperation ManagerContactEmailOperation Time
Kuala Terengganu JKR 445, Jalan Sultan Zainal Abidin, 20670 Kuala Terengganu Suhaiman B. Omar 09-6224760 ar-rahnu.kualaterengganu@
posarrahnu.com.my
Sunday - Thursday
8:30am - 5:30pm
Jerteh JKR 231 Jalan Pasir Akar, 22000 Jerteh Tuan Mohd Nor Nazrim Bin Tuan Mohammad 09-6903451 Ar-Rahnu.Jerteh@
posarrahnu.com.my
Tel : 09-6903451
Sunday - Thursday 8:30am - 5:30pm
Chukai JKR 280 Jalan Masjid, 24000 Cukai Hazmaneyza Binti Mohamad 09-8504115 Ar-Rahnu.Chukai@
posarrahnu.com.my
Tel : 09-8504115
Sunday - Thursday 8:30am - 5:30pm
Dungun JKR 911, Jalan Merbok, 23000 Dungun Djazlina Binti Mohd Ghazali 09-8442067 ar-rahnu.dungun@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Chabang Tiga JKR 525 Jln Hiliran 20670 Kuala Terengganu Saadiah Abdul Aziz 09-6205731 chabang.tiga@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm

Kelantan

OutletAddressOperation ManagerContactEmailOperation Time
Selising JKR 488, Jalan Kota Bharu / Pasir Putih, 16810 Selising Rosila Abdullah 09-7891042 ar-rahnu.selising@ posarrahnu.com.my Sunday - Thursday 8:30am - 5:30pm
Wakaf Che Yeh Jalan Kuala Krai, 15100 Kota Bharu Zaira Nurain Binti Che Lah 09-7471517
09-7471486
Ar-rahnu.WakafCheYeh@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Wakaf Bharu JKR 1134, Jalan Puteri Saadong, 16250 Wakaf Baru Sukriah Binti Kamarudin 09-7190170 wakafbharu@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Pengkalan Chepa JKR 2087 Jalan Maktab, 16100 Pengkalan Chepa Nor Asma Rohainayah Bt Hasan 09-7732670
09-7732667
Ar-Rahnu.pchepa@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Kuala Krai Lot PT 4011, Lebuhraya Kuala Krai/Gua Musang, 18000 Kuala Krai Ahmad Luqman Hakim bin Azlan 09-9603197 ar-rahnu.kualakrai@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
GPO Kota Bharu Jalan Sultan ismail 15670 Kota Bharu kelantan Norhaszelina Baizora Bte Hassan 09-7472062 ar-rahnu.kualakrai@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Machang JKR 22, Jalan Kweng Umat, 18500 Machang Azaman Zizi Bin Mohamed 09-9751481 ar-rahnu.kbahru@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Tumpat JKR 681, Jalan Besar, 16200 Tumpat Jurina Binti Jaafar 09-7252166 ar-rahnu.tumpat@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Ketereh JKR 2088, Jalan Kuala Krai, 16450 Ketereh Mona Azurani Binti Abu Bakar 09-7882133 ketereh@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm
Pasir Mas JKR 411 Jln Pejabat Jajahan, 17000 Pasir Mas, Kelantan Zulkifli Bin Yaacob 09-7901068 pasir.mas@
posarrahnu.com.my
Sunday - Thursday 8:30am - 5:30pm

Sabah

OutletAddressOperation ManagerContactEmailOperation Time
Sandakan Jalan Leila, 90000 Sandakan, Sabah Anita Binti Abd Aziz 089-223107 ar-rahnu.sandakan@
posarrahnu.com.my
Monday - Friday
8:00am - 4:30pm
Tawau Jalan Tun Hamdan, 91000 Tawau, Sabah Hajra Binti Rahman 089-753030 ar-rahnu.tawau@
posarrahnu.com.my
Tel : 089-753030
Monday - Friday 8:00am - 4:30pm
GPO Kota Kinabalu Jalan Chong Thein Vun, Off Jalan Tun Razak, 88670 Kota Kinabalu Siti Kasmidah Binti Julinin 088-318962 Ar-Rahnu.KotaKinabalu@
posarrahnu.com.my
Monday - Friday 8:00am - 4:30pm
Lahad Datu Jalan Teratai, 91100 Lahad Datu Yusnizah Binti Yunus 089-884661 Ar-Rahnu.LahadDatu@
posarrahnu.com.my
Monday - Friday 8:00am - 4:30pm
Marhun Calculator

Gold Price Malaysia (Malaysian Ringgit)

Conversion : 1 troy ounce = 31.1034768 grams

 

Gold Price Per Gram in Malaysian Ringgits
Malaysian Ringgits per Gram
Gold Price Per Kilo in Malaysian Ringgits
Malaysian Ringgits per Kilo
FAQ

FAQ

  1. What is the Unique Selling Proposition of Pos ArRahnu as compared to other Islamic Pawnbroking service provider in the market?
    • Pos ArRahnu offers higher financing margin of up to 75% of marhun (appraised value)
    • Low monthly safekeeping fee which is fixed at RM0.75 for every RM100 of the appraised value of gold
    • Flexible financing tenure (6 months + 6 months)
    • Most types of gold jewelleries are accepted
    • Acceptance two types of gold wafer Pump Suisse and Public Gold up to 100gm
    • Items pawned at Pos ArRahnu are fully insured
    • Available at 75 selected Pos Malaysia outlets
    • Customers can rest assure that their gold are kept in a highly secured facility
    • No hidden costs
    • 100% complied with Syariah compliances

  2. What type of gold is accepted as collateral?

    We accept all kinds of gold jewellery. We also accept Pamp Suisse Minted Bar and Public Gold gold wafer not exceeding 100gm.

  3. What type of gold carat is accepted as collateral?

    We accept all types of carat (gold purity) which are 999, 950, 916, 875, 835 and 750.

  4. Are gold jewelleries with precious stones accepted for pawnbroking?

    Yes, however (estimated) total weight of the stone will be deducted, at our discretion.

  5. How do you test the gold?

    We will weigh the item and we will also conduct ‘aqua regia’ test to ensure the purity of the gold. Densimeter will also be used to determine gold content.

  6. How much is the safekeeping fee?

    The monthly safekeeping fee is fixed at RM0.75 for every RM100 marhun (appraised value).

  7. How can a customer pay the financing amount?
    • By instalment (within the tenure)
    • Settle via full redemption, including safekeeping fees

  8. Do you accept payment by debit/credit card or cheque?

    No. Only cash term applies.

  9. How will I receive my payment after a successful transaction?

    You will receive cash money once the transaction is successful. Customers also have an option to do deposit transfer to their Maybank or RHB Bank account at selected Post Offices via using Share Banking services.

  10. How long is the financing tenure?

    6 months + 6 months extension. Extension can only be done if the customer settles their outstanding safekeeping fees.

  11. What price do you use to determine the appraised value?

    Pos ArRahnu follows the current daily market price of gold based on the price quoted in the London Metal Exchange.

  12. How much is the financing limit per customer?
    • Financing margin is up to 75%.
    • Minimum financing limit: RM100.00
    • Maximum financing per customer per day: RM30,000.00 per day
    • Maximum total accumulated financing per customer: RM100,000.00

  13. What should a customer do if they lost the Surat Akuan Gadaian (pawn ticket)?
    • Customer should report immediately (no representatives allowed) to the Pos ArRahnu branch where customer pawned their item
    • Customer must complete a Lost Certificate Complaint Letter and get verification from the Commissioner for Oaths
    • Customer must return to the Pos ArRahnu branch along with the aforementioned document (item ii.) to get a copy of the pawn certificate
    • A penalty of RM10 will be imposed for each SAG copy issued

  14. How long does it take to get a copy of the certificate?

    Immediately, provided all of the above documents are complete.

  15. Can redemption be made by a representative (other than the original customer)?

    No. If the customer is not able to come (in the case of death, imprisonment or hospitalisation), the representative shall provide the supporting documents like Certificate of Death, Letter/Report from Doctor or Warder, etc.

  16. Can the collaterals be redeemed partially?

    No. Instalment payments are allowed, however, two or more items pawned in one SAG shall be redeemed together.

  17. Who are eligible to pawn their item at Pos ArRahnu?
    • Malaysian citizens
    • Permanent Residents
    • Foreigners
    • All customers must be 18 years and above

  18. What are the documents required?
    • Malaysian citizens: original IC
    • Permanent Residents: valid Permanent Resident card
    • Foreigners: original passport with validity of at least 1 year

  19. If a customer forgets to bring their IC, do you accept original driving licence as proof of identification?

    No.

  20. Can additional financing be made?

    Yes, if the customer has not taken the maximum finance amount of RM100,000.00 per individual.

  21. Can customer make a new transaction if a report on lost SAG is still being processed?

    Yes, subject to individual accumulated total of finance not exceeding RM100,000.00.

  22. What will happen if a customer does not redeem their item after 6 months?

    The item will be auctioned on the following month.

  23. If an auctioned item has a balance, can the customer claim for the amount?

    The balance from the auction will be returned to the customer upon deduction of safekeeping fee, outstanding finance and an administrative fee of 3%.

  24. Who can be contacted for further information?

    For further inquiries regarding Pos ArRahnu services, please contact:

    • Website www.pos.com.my; or
    • Call customer service at 1-300-300-300; or
    • Call any Pos ArRahnu branch. List of available branches here.

  25. Is there any other services provided by Pos ArRahnu?

    Yes, we provide

    • ArRahnu Simpan (safekeeping services)
    • ArRahnu Cuci (gold cleaning Services)
    • Free zakat appraisal for gold

  26. What are the security assurances offered by Pos ArRahnu for customers who make their transactions there?
    • All transactions are conducted in front of the customer
    • The space/room within the office premise is equipped with adequate security equipment i.e. CCTV, alarm and the strong room is fitted with the latest security features
    • Pos ArRahnu adheres to strict operational standards
    • All items pawned at Pos ArRahnu is fully insured
    • Pos ArRahnu conducts monthly compliance audits on its outlets to ensure that all protocols are observed by all employees