Skim Amanah Rakyat - Amanah Saham Malaysia 3 (SARA-ASM 3)

Formerly known as Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia)

SARA-ASM 3 is a special Scheme initiated by the Government of Malaysia aimed at promoting the participation of the low-income group to save and invest; as well as to assist them in managing the impact of the rising current cost of living. The Scheme was implemented in collaboration with Permodalan Nasional Berhad (PNB) and selected financial institutions.

Reaching the end of the loan period (5 years)?

Participants would receive ASM 3 units equivalent to the amount of monthly payments paid during the tenure of the loan plus the accumulated monthly incentives, given that the incentives were not withdrawn from participant's account. Participants may retain and increase their personal investment in ASM 3 (subject to availability of units).

For any inquiries, please contact SARA-ASM 3 HOTLINE at 03-20573065, or e-mail us at