Skim Amanah Rakyat 1Malaysia (SARA 1Malaysia)
is a special Scheme initiated by the Government of Malaysia aimed at promoting the participation of the low-income group to save and invest; apart from to assist them in managing the impact of the rising current cost of living.

The Scheme will be implemented in collaboration with Permodalan Nasional Berhad (PNB) and selected financial institutions.

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To increase the disposable income and encourage savings among the low-income group, the Government will introduce Skim Amanah Rakyat 1Malaysia or SARA 1Malaysia. The scheme is available to households with income below 3,000 ringgit per month and will benefit 100,000 households. The scheme will be implemented by Permodalan Nasional Berhad in collaboration with selected financial institutions, effective January 2012.

 Applications had already been
 closed on 31 December 2014.
 For any inquiries, please contact
 SARA 1Malaysia HOTLINE:


Total Visitors:  1432726


SARA 1Malaysia had never issued any short messaging service (SMS) as follows:

"Sape2 yg berumur 18-58 thn berpendapatan di bwh Rm 3k, pergi ke Maybank atau PNB ambil borang SARA 1Malaysia segera. Skim ni tak pyh byr apa2 hanya lengkapkan borang mengikut syarat & dptkan t/tangan YB. Slps 5 thn dlm akaun kita akan ada 15k. http://www.sara1malaysia.com.my/n-index.php".


Programme organised by

In collaboration with

Participating Banks
http://www.maybank2u.com.my/ http://www.cimbbank.com.my http://www.rhb.com.my/ http://www.mybsn.com.my/


A total of RM500 million funding is offered to 100,000 households. Allocation is based on first-come-first-served basis. Application is still open until 31 December 2014 or upon full subscription units, whichever is earlier.

Through this Scheme, monthly incentives shall be paid to the participants in the form of additional AS 1Malaysia units.

Participants need to pay only minimum monthly payments for 5 years.

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1. Malaysians aged between 18 and 58 years;
2. Applicants must have a combined gross household monthly income of between RM500 – RM3,000;
3. Applicants must not be declared bankrupt throughout the loan funding period;
4. Applicants and / or spouse(s) must not be a beneficiary of other Government special schemes managed by Amanah Saham Nasional Berhad (ASNB) i.e."Program Pembangunan Rakyat Termiskin (PPRT)", "ASB Sejahtera" and "ASW2020-Bandar";
5. Applicants and / or spouse (s) do not have any investments in ASNB unit trusts, OR, if there is, applicants and /or spouse(s) (household) have a combined aggregate investment totaling RM10,000 or less in all ASNB products;
6. Only one household is eligible to obtain the loan funding; and
7. Approval on applications is also subject to other terms set by the financial institutions.

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1. Interested applicants must obtain SARA 1Malaysia form.
2. Completed forms together with required documents are to be submitted to:

Unit Projek Khas - SARA 1Malaysia
Tingkat 28, Menara PNB
201-A, Jalan Tun Razak
50400 Kuala Lumpur
3. Successful applicants will be informed by SARA 1Malaysia/banks.

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Applicants are required to provide copies of the following:
1. Mykad of applicant – 2 copies;
2. Mykad of spouse (if applicable) – 1 copy;
3. Certified income document
  • For applicants and/or spouses, please provide copies of the latest three months' pay slips.
  • For applicants who do not have pay slip, the income declaration stated in BPPSARA1M Part C will be applicable*.

BPPSARA1M MUST be signed before a WITNESS –
either the Employer/Penghulu/Official
at the Department of Orang Asli Development/Government Official in a Managerial
Position/Member of State Legislative Assembly/ Member of Parliament

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IThe Master Prospectus of the unit trust funds of ASNB dated 30 June 2011, the First Supplementary Master Prospectus dated 17 August 2011, and the Second Supplementary Master Prospectus dated 1 January 2012, have been registered with the Securities Commission Malaysia and are available at any office of ASNB and its agents. Units will be issued upon receipt of the registration form as enclosed in the prospectuses. Before investing, please read and understand the content of the above prospectuses. Total return on the investments may go down as well as up. Past performances of the unit trust funds of ASNB are not guarantees of future performances. Before investing, kindly consider the fees and charges involved.
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