A syariah-compliant estate planning service from ASNB that lets you transfer ASB units to named recipients during your lifetime (effective upon your death). Combines two Islamic concepts:
Bypass Islamic inheritance distribution disputes entirely. You choose who gets what, in what %.
Name up to 10 recipients with specific allocation percentages. Total must = 100%.
vs 6-12 months for probate/letter of administration. Recipients get units/cash in ~21 working days.
No need for Surat Kuasa Mentadbir (court letter of administration). The Hibah document IS your proof.
Hard to contest in Syariah court — recipients are pre-named with explicit % allocations.
Just RM190 year-one + RM10/year. Compare to lawyer fees for wasiat (RM1,000+).
| Requirement | Detail |
|---|---|
| Citizenship | Malaysian (Warganegara) |
| Religion | Muslim (Islam) |
| Age | 18 years and above |
| ASB holdings | ≥1,000 unit bebas cagar (unencumbered) per fund |
| Requirement | Detail |
|---|---|
| Max recipients | 10 per Surat Ikatan |
| Bankruptcy | Cannot be bankrupt |
| Mental capacity | Must be waras (mentally sound) — or have appointed guardian |
| Nationality | ✓ Warganegara + Bukan warganegara OK |
| Religion | ✓ All religions OK (Muslim, non-Muslim, etc.) |
| Age | Any age — under 18 needs appointed guardian |
| ASNB holder? | Encouraged to be ASNB unit holder (if eligible) |
| Item | Amount |
|---|---|
| Pendaftaran (one-time) | RM180 |
| Annual fee | RM10 / year |
| Year 1 total | RM190 |
| # | Document | Notes |
|---|---|---|
| 1 | MyKad | Original + 1 photocopy |
| 2 | Borang Permohonan Hibah Amanah (PH1A) | Pre-filled online at myASNB, printed, signed |
| 3 | Surat Kuasa Wakil Hibah Amanah | Pre-filled online at myASNB, printed, signed |
| 4 | Borang Penambahan Penerima (PH1A - V.01/2025) (if adding new recipients) | Separate form, downloadable from cms.myasnb.com.my |
| 5 | Proof of ASB unit ownership | ASB statement / myASNB printout showing ≥1,000 unit bebas cagar per fund |
| 6 | Payment receipt | RM180 + RM10 paid online (FPX/IBG confirmation) |
| 7 | 2 Muslim male witnesses | Must be physically present at branch |
| # | Document | Notes |
|---|---|---|
| 1 | MyKad | Original + 1 photocopy (for warganegara) |
| 2 | Passport | For bukan warganegara |
| 3 | Birth certificate | For recipient <18 |
| 4 | Guardian MyKad | If recipient under 18 or mentally disabled |
| # | Document | Source |
|---|---|---|
| 1 | Sijil Kematian | From JPN (original + copy) |
| 2 | MyKad Penerima | Original + copy |
| 3 | Salinan Surat Ikatan Hibah Amanah | Your copy from when you registered |
| 4 | Borang Tuntutan PH6 | Get from ASNB branch |
Find nearest branch at https://www.asnb.com.my → "Cawangan".
Typical hours: Mon-Fri 9am-4pm (varies by branch).
Any Maybank branch nationwide acts as ASNB agent. Same process, same forms.
| Phase | Duration |
|---|---|
| Pre-registration (online form + payment) | 30 min – 1 hour |
| Branch visit (confirmation + signing) | 1-2 hours (incl. waiting) |
| Hibah effective | Same day after branch signing |
| Tuntutan (claim after death) | ~21 working days |
| Aspect | Hibah Amanah | Wasiat (Will) |
|---|---|---|
| Takes effect | Upon death | Upon death |
| Religious compatibility | Full Islamic | Full Islamic |
| Max recipients | 10 | Unlimited |
| Distribution rule | Your choice (any %) | Faraid-bound (Islamic inheritance rules) |
| Probate / SKM needed? | No | Yes |
| Claim time | ~21 days | 6-12 months |
| Can challenge in court? | Difficult | Possible (Syariah court) |
| Cost | RM190 (year 1) + RM10/year | RM1,000+ (lawyer + court) |
| Best for | ASB units | Non-ASB assets (house, land, business) |