Eligibility criteria 
Application procedure 
Scheme features 
1. What is "Skim SARA 1Malaysia"?

This is a special scheme introduced by the Government of Malaysia aimed at promoting the participation of the low income group to save and invest; apart from assisting them in managing the impact of the rising current cost of living.

The Scheme is implemented in collaboration with Permodalan Nasional Berhad and selected financial institutions.

Through this Scheme, eligible Malaysians will have the opportunity to apply for a RM5,000 loan to invest in Amanah Saham 1Malaysia (AS 1Malaysia)I managed by Amanah Saham Nasional Berhad (ASNB)*, and will receive attractive incentive payments on their savings and investments.


*ASNB is a wholly owned subsidiary of PNB responsible for managing AS 1Malaysia unit trust fund.

2. What are the special features of the Scheme?

Participants need to pay only minimum monthly payments for 5 years. Monthly incentives are provided to participants in the form of additional AS 1Malaysia units.

3. What is the total amount of loan available for the Scheme?

The total amount of loan available is RM500 million.

4. How many people are expected to benefit from the Scheme?

The Scheme aims to achieve a participation of 100,000 households with an allocation based on first-come-first-served basis.

5. Is there a limitation to the number of eligible participants per household?

Yes, only one household is eligible to obtain the loan funding. A household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories:

  1. i. Married - a combination of gross income of the husband and wife;
  2. ii. Single mothers or fathers - individual gross income.


6. When is the programme launched?

This Scheme was launched on 12 January 2012.

IThe Master Prospectus of funds of ASNB dated 30 June 2017, has been registered with the Securities Commission Malaysia. Before investing, investors are advised to read and understand the content of the Prospectus and the Product Highlights Sheets which are available at ASNB’s website www.asnb.com.my and also at any ASNB branches and its agents. Units will be issued upon receipt of the registration form referred to and accompanying the Prospectus. Before investing, kindly consider the fees and charges involved. Unit prices and distribution payable, if any, may go down as well as up. Investors are also advised to consider the inherent risk of investing in the funds and other general risk as elaborated in the Prospectus. The past performance of a fund should not be taken as indicative of its future performance.
2012 Permodalan Nasional Berhad. All rights reserved.