Covid-19 Special Relief Facility (SRF) from Bank Negara Malaysia

Special Relief Facility (SRF)

Special Relief Facility (SRF), with an allocation of RM10 billion by Bank Negara Malaysia, aims to help alleviate the short-term cash flow problems faced by SMEs adversely affected by the COVID-19 outbreak.


Financing Purpose

Working Capital

(Note : Financing should not be used for refinancing of  existing credit/financing facilities)



  • Available under Term Loan only;

  • Maximum tenure of up to 5.5 years, including a moratorium period of 6 months;

  • Financing rate of up to 3.5% per annum inclusive of guarantee fees;

  • Maximum financing amount of up to RM1 million per SME;

  • Up to 80% guarantee coverage by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation (CGC).

  • Available from 6 March 2020 to 31 December 2020.



  • Meets the definition of SMEs issued by SME Corporation Malaysia;

  • Adversely effected by disasters as per assessment by BNM or in the areas identified by Agensi Pengurusan Bencana Negara or other competent authorities;

  • Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers;

  • Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%; and

  • Malaysians residing in Malaysia that hold a minimum of 51% shareholding in the SMEs.


SME customers are advice to contact our Relationship Manager for further information and assistance on the fund.

Terms and Conditions apply.

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