Relief and Adaptation Facility (RAFt)
Provider: Bank Negara Malaysia (via participating financial institutions)
This page describes a scheme family we have verified against its official source. Terms change — always confirm the live criteria, costs and availability with the provider before you apply.
Scheme details
- Provider
- Bank Negara Malaysia (via participating financial institutions)
- Instrument type
- soft loan
- Ticket tier
- Medium
- Source last checked
- 2026-10-12
- Indicative ticket range
- Up to RM1,000,000 · Indicative figure — confirm live at source
- Who it’s for
- flood-affected SMEs (relief) and SMEs previously flooded or in flood-prone areas (adaptation)
- Shariah
- Conventional & Islamic
What the money can be used for
- relief: repair/replacement of damaged assets and/or working capital (no refinancing)
- adaptation: capex and related costs to reduce flood risk (e.g. flood assessments
- relocation excl. land/property
- flood insurance/takaful)
Re-verified 2026-10-12; CHANGED: rate split clarified from FAQ (relief-only 3.5%, adaptation 3.0%), RM1m cap applies to each type (max RM2m combined), added no-collateral and flood risk assessment requirement. RAFt replaced the Disaster Relief Facility (DRF) in Aug 2025. Total allocation not stated.
Official source
Applications are only ever made on the provider’s own official channel — never here. We do not process applications or take your documents.
Apply at the official sourcehttps://www.bnm.gov.my/documents/20124/6025157/RAFt_brochure_1225_en.pdf
A match is not an approval or a promise of eligibility. The provider decides.