Malaysia Ar-Rahnu Rate Comparison
Ar-Rahnu is Shariah-compliant gold pawnbroking: you pledge gold for interest-free (riba-free) financing and pay only a safekeeping fee. The marhun rates below are the assessed value of your gold per gram by purity — the higher the rate, the more you can pledge for the same gold.
Last checked: 10 Jul 2026Pledge (Ar-Rahn)
Hand over gold as collateral; the institution assesses its value (marhun) and offers financing — usually a portion of that assessed value.
Safekeeping fee
Not interest — a charge to store your gold securely, based on the marhun value & tenure. This is the real cost of Ar-Rahnu.
Redeem
Repay the financing + safekeeping fee to reclaim your gold within the set tenure (typically 6 months, extendable).
Estimate your gold's pledge value
Enter weight & purity — see each institution's assessed (marhun) value.
- Ar-Rahnu X'ChangeRM 566.63/gramRM 5,666
- Ar-Rahnu MuamalatRM 563.07/gramRM 5,631
- Ar-Rahnu AgrobankRM 562.75/gramRM 5,628
- Ar-Rahnu MAIDAMRM 562.27/gramRM 5,623
- Ar-Rahnu YaPEIMRM 545.00/gramRM 5,450
- Ar-Rahnu EmasRM 522.12/gramRM 5,221
- Ar-Rahnu KitaRM 522.00/gramRM 5,220
- Ar-Rahnu TEKUNRM 506.62/gramRM 5,066
- Ar-Rahnu CahayaRM 453.00/gramRM 4,530
This is the assessed gold value, not the financing amount. Actual financing is usually a margin (e.g. 70–80%) of the marhun value — confirm at the counter.
Full marhun rates (RM/gram)
Assessed value per gram by purity. Highlighted cell = highest rate for that purity.
| Institution | 99924K | 95023K | 91622K | 87521K | 83520K | 75018K | Updated |
|---|---|---|---|---|---|---|---|
| Ar-Rahnu X'ChangeBank Rakyat | 618.14 | 587.23 | 566.63 | 540.87 | 515.11 | 463.60 | 10 Jul 2026 |
| Ar-Rahnu MuamalatBank Muamalat | 614.09 | 583.97 | 563.07 | 537.87 | 513.28 | 461.03 | 10 Jul 2026 |
| Ar-Rahnu AgrobankAgrobank | 613.75 | 583.64 | 562.75 | 537.56 | 512.99 | 460.77 | 10 Jul 2026 |
| Ar-Rahnu MAIDAMMAIDAM (Terengganu) | 613.36 | 582.69 | 562.27 | 536.69 | 512.16 | 460.02 | 10 Jul 2026 |
| Ar-Rahnu YaPEIMYaPEIM | 595.00 | 566.00 | 545.00 | 521.00 | 497.00 | 447.00 | 7 Jul 2026 |
| Ar-Rahnu KitaCo-operative | 570.00 | 541.00 | 522.00 | 513.00 | 475.00 | 427.00 | 10 Jul 2026 |
| Ar-Rahnu EmasCo-op (KSKMAS) | 570.00 | 541.50 | 522.12 | 513.00 | 475.95 | 427.50 | 10 Jul 2026 |
| Ar-Rahnu TEKUNTEKUN Nasional | 552.68 | 525.04 | 506.62 | 483.59 | 460.56 | 414.51 | 10 Jul 2026 |
| Ar-Rahnu CahayaPrivate operator | 495.00 | — | 453.00 | — | 411.00 | 375.00 | 10 Jul 2026 |
Highest · Source: each institution's official rate page
Gold buy-back price — POS Ar Rahnu
POS Ar Rahnu (Pos Malaysia) buys your gold outright. This is the buy-back (WE BUY) price — NOT a marhun pledge value, so it's lower. Shown separately so the comparison above stays like-for-like.
| Purity | West Malaysia | East Malaysia |
|---|---|---|
| 99924K | 512.00 | 511.00 |
| 95023K | 487.00 | 486.00 |
| 91622K | 461.00 | 460.00 |
| 87521K | 435.00 | 434.00 |
| 83520K | 410.00 | 409.00 |
| 75018K | 384.00 | 383.00 |
Buy-back price for 999 bars/coins. Selling outright transfers ownership (not a loan). Confirm at the counter.
Good to know
- Marhun rates change daily with the international gold price — the figures here are dated; confirm the current rate at the counter before pledging.
- The marhun value is an assessment of your gold, not a selling or buy-back price. Approved financing is usually a margin of it.
- Safekeeping fees, tenure & margins differ between institutions — compare the total cost, not just the marhun rate.
- SemakEmas is not affiliated with any Ar-Rahnu institution. Data is drawn from each provider's official public page for reference.