What Is The Grade Of This Malaya 1941 Bronze Coin?

The coin has lustre, barely a mark on either side. I would have been content to call it EF or BU and guesstimated it maybe $10. As a routine I checked Catawiki (FDC 50 euro) and NGC (MS60) $55. So far, just a little surprising. But NGC adds a grade 63. Heritage defines MS 63 as Select Uncirculated (MS-63): An uncirculated coin with fewer deficiencies than coins in lower uncirculated grades. In general, this will be an uncirculated coin with relatively ordinary eye appeal. Select Uncirculated is sometimes used to refer to a coin grading MS-62.
It sound absurd to think the coin I show could be worth even one hundred, let alone a thousand. Could somebody bring me ddown to lightly-or with a bang perhaps.
Michael367