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: 24 Aug 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 CahayaRM 625.00/gramRM 6,250
- Ar-Rahnu MAIDAMRM 617.27/gramRM 6,173
- Ar-Rahnu X'ChangeRM 617.25/gramRM 6,173
- Ar-Rahnu MuamalatRM 612.31/gramRM 6,123
- Ar-Rahnu EmasRM 577.08/gramRM 5,771
- Ar-Rahnu KitaRM 576.00/gramRM 5,760
- Ar-Rahnu YaPEIMRM 565.00/gramRM 5,650
- Ar-Rahnu AgrobankRM 562.75/gramRM 5,628
- Ar-Rahnu TEKUNRM 551.92/gramRM 5,519
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 CahayaPrivate operator | 684.00 | — | 625.00 | — | 455.00 | 399.00 | 24 Aug 2026 |
| Ar-Rahnu X'ChangeBank Rakyat | 673.36 | 639.69 | 617.25 | 589.19 | 561.13 | 505.02 | 21 Aug 2026 |
| Ar-Rahnu MAIDAMMAIDAM (Terengganu) | 673.36 | 639.69 | 617.27 | 589.19 | 562.26 | 505.02 | 24 Aug 2026 |
| Ar-Rahnu MuamalatBank Muamalat | 667.79 | 635.04 | 612.31 | 584.90 | 558.16 | 501.34 | 24 Aug 2026 |
| Ar-Rahnu EmasCo-op (KSKMAS) | 630.00 | 598.50 | 577.08 | 567.00 | 526.05 | 472.50 | 24 Aug 2026 |
| Ar-Rahnu KitaCo-operative | 628.00 | 597.00 | 576.00 | 566.00 | 525.00 | 471.00 | 24 Aug 2026 |
| Ar-Rahnu YaPEIMYaPEIM | 616.00 | 586.00 | 565.00 | 539.00 | 515.00 | 462.00 | 20 Aug 2026 |
| Ar-Rahnu AgrobankAgrobank | 613.75 | 583.64 | 562.75 | 537.56 | 512.99 | 460.77 | 10 Jul 2026 |
| Ar-Rahnu TEKUNTEKUN Nasional | 602.10 | 572.00 | 551.92 | 526.84 | 501.75 | 451.57 | 24 Aug 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 | 575.00 | 574.00 |
| 95023K | 542.00 | 541.00 |
| 91622K | 518.00 | 517.00 |
| 87521K | 485.00 | 484.00 |
| 83520K | 456.00 | 455.00 |
| 75018K | 428.00 | 427.00 |
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.