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Emkan Products

Emkan Requirements and Benefits

  • Saudi employees of government/ semi-government/ private sectors
  • Minimum monthly salary is SAR 2,000, and for retirees SAR 1,900 per month
  • Customer deduction rate is 45%. In case income is more than SAR 25,000, the deduction rate goes up to 50%
  • Service period is one month for customers who transfer their salaries to Al Rajhi Bank, or account statement showing deposits of last three salaries with another bank.
  • Minimum age is 20 years, and maximum age is 60 years or retirement age, whatever is less
  • Maximum age for retirees is 70 years. For military staff, retirement age depends on the military rank at the time of retirement.
  • Good credit score


Our microfinance service delivers urgent, crucial finance solutions to Saudi nationals through a robust lending solution.

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Micro Finance Requirements and Benefits

  • Finance amount is from SAR 2,000 to SAR 50,000, or equal to five salaries for customers who transfer their salary to Al Rajhi Bank, and three salaries for customers who transfer their salaries to other banks.
  • Finance term from 3 to 24 months

Top-Up Finance

Customers can obtain top-up financing over and above their existing loans under certain conditions and benefits, at up to 50% deduction rate.

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Top-up Finance requirements and benefits

  • Existing loan with good credit score
  • Finance amount from SAR 5,000 to SAR 2,000,000 for government and semi-government employees, and up to SAR 1,500,000 for private sector employees.
  • Finance period from 12 to 60 months