Product Features

Published on: 22/02/2016
Updated on: 26/08/2018


AR RAHNU TEKUN is a short term Sharia compliant mortgage financing product (Qardh) where the client/ entrepreneur will pledge gold products or jewellery based on the types of gold accepted (refer to list of Gold) as collateral for the financing granted. This facility is based on the Sharia contract, namely Qardh, Rahn and Wadiah Yad Dhamanah under the management of the Product Department of AR RAHNU TEKUN and monitored by the Sharia Department of TEKUN Nasional.
Click [here] for AR RAHNU TEKUN Website


  • Individuals aged 18 and above as follows; Malaysian citizen; or with the status of permanent resident;
  • Must possess an Identity Card/ valid documents.
  • Employees of TEKUN Nasional including their spouse, mother, father as well as children are not allowed to apply for this facility.

Accepted Gold Standards

24.0 Carat 99.90%
22.8 Carat 95.00%
22.0 Carat 91.60%
21.0 Carat 87.50%
20.0 Carat 83.50%
18.0 Carat 75.00%


  • Margin up to 80%* of the marhun value;
  • The minimum amount is RM100.00;
  • The maximum mortgage financing for an individual is up to RM100,000.00*

Mortgage Period

  • Financing Period – Six (6) months
  • Extension Period* – 6 + 6

Storage Fee

Storage fee ( Ujrah ) RM0.50*

for each RM100.00 marhun value

Other Services


  • AR RAHNU TEKUN also provides services to store gold products/ jewellery.
  • A storage fee of 60 sen for each RM100.00 marhun value.
  • Storage period is 6 months with no extension limit with condition that the previous storage fee is fully paid. The minimum storage period is no less than 15 days.


  • Cleaning of jewellery/ gold products.
  • Fees charged as low as RM3.00 per item.

Contact Us

TEKUN Nasional Headquarters
Menara 5, Lingkaran Maju,
Jalan Lingkaran Tengah 2,
Bandar Tasik Selatan,
57000 Kuala Lumpur.
Telephone: 03-9059 8888
Fax: 03-9059 9292
Operation Hour
  • 9.00 am – 5.00 pm (Monday – Friday)
  • 10.00 am – 3.00 pm (Saturday)


AR RAHNU TEKUN Shah Alam Branch :
Ground floor, No 28 Jalan Tengku Zabedah 9/D
Seksyen 9, 40100 Shah Alam, Selangor
Tel : 03-55100860 (Service Counter)
Tel: 03-55101251 (Manager)


AR RAHNU TEKUN Wangsa Maju Branch
Ground Floor, No. 18 Jalan 1A/27A
Seksyen 1 Wangsa Maju
53300 Kuala Lumpur
Tel: 03-4142 0919 (Service Counter)
Tel: 03-4142 0918 (Branch Manager)
Fax: 03-4142 0892


AR RAHNU TEKUN Semenyih Branch
Ground floor, No. 57, Jalan Semenyih Sentral 1,
Semenyih Sentral 1, 43500 Semenyih Selangor.
Tel: 03-87231184 (Services Counter)
Tel: 03-87231608 (Manager)


AR RAHNU TEKUN Sentul Branch
No 17 Jalan Sinar Sentul 1, Pusat Komersial Sinar Sentul,
51000 Sentul, Wilayah Persekutuan Kuala Lumpur
Tel: 03-40501790 (Services Counter)
Tel: 012-2128 451 (Manager)


AR RAHNU TEKUN Alor Setar Branch
Ground floor, No, 28, Komplek Perniagaan Utama, Jalan Sultanah
05150 Alor Setar, Kedah
Office: 04-730 2536
Manager: 04-730 1968 (Encik Asril)


Lot 255c, Tingkat Bawah, Bangunan UMNO Kalabakan
Jalan Dunlop, 91000 Tawau, Sabah
Office: 08 9775975
Manager: 08 9775976 (Cik Azmiyanty)


AR RAHNU TEKUN Kota Bharu Branch
Lot 8008, Tingkat Bawah, Bandar Satelit Islam Pasir Tumboh
16150 Kota Bharu, Kelantan
Office: 09 7656646
Manager: 09 7656645 (Encik Fitri)


AR RAHNU TEKUN Bandar Baru Uda Branch
Tingkat Bawah, No.66, Jalan Padi 1, Bandar Baru Uda
81200 Johor Bahru, Johor
Office: 07 232 9569
Manager: 07 232 9571 (Cik Liyana)