KWASA DAMANSARA, 31 December 2025: The Employees Provident Fund (EPF) today announced a series of policy and product enhancements beginning 1 January 2026, aimed at strengthening retirement adequacy, expanding social protection coverage and enhancing the overall member experience.

These initiatives include measures announced in the Government’s Budget 2026 by the Prime Minister on 10 October 2025, strengthening the EPF’s commitment to responding to members’ evolving needs while supporting long-term financial resilience, wellbeing and a more secure and meaningful retirement. 

Key initiatives taking effect from 1 January 2026 include:

1. Increased Hajj Withdrawal limit to RM10,000

The Hajj Withdrawal amount that can be withdrawn from Akaun Sejahtera will be increased from RM3,000 to RM10,000 to assist members who have received the offer to perform Hajj from Lembaga Tabung Haji to support the cost of performing the Hajj, in line with current financial needs. In addition, the requirement to verify balances in members’ Tabung Haji savings accounts to determine the eligible withdrawal amount will be removed, thereby simplifying the application process and enabling members to plan their Hajj more effectively.

2. Introduction of i-Saraan Plus and extension of i-Suri eligibility to age 60

The EPF will introduce i-Saraan Plus, which is a voluntary contribution facility designed specifically for e-hailing and p-hailing drivers to strengthen their retirement savings. Building on the existing i-Saraan programme, i-Saraan Plus offers a higher government matching incentive of up to RM600 annually, subject to a lifetime cap of RM6,000. Eligible e-hailing and p-hailing drivers will be registered as EPF members through participating platform providers, which will facilitate contribution deductions at rates determined by the drivers.

Meanwhile, the eligibility age for i-Suri will be extended from age 55 to 60, aligning the facility with the national minimum retirement age. The government’s matching incentive for i-Suri will also be continued in 2026 at 50% of annual contributions, subject to the capping of RM300 per year and RM3,000 over a lifetime.

3. Alignment of the More Than RM1 Million Withdrawal and Members Investment Scheme with the Retirement Income Adequacy Framework

The Retirement Income Adequacy (RIA) Framework will come into effect on 1 January 2026 with three savings tiers, which are Basic Savings (RM390,000), Adequate Savings (RM650,000), and Enhanced Savings (RM1.3 million), to guide members towards a more comfortable and meaningful retirement.

In line with the Enhanced Savings level, the EPF will enhance its withdrawal policy for savings exceeding RM1 million, allowing members below age 55 flexibility to manage excess funds after meeting retirement needs. To ensure a smooth transition, the increase of the excess savings limit that can be withdrawn by the members will be implemented gradually at RM100,000 every year over three years, beginning with RM1.1 million in 2026, giving members time to plan their finances accordingly.

Concurrently, the EPF will align the eligibility threshold for the Members’ Investment Scheme (MIS) with the Basic Savings level. The minimum savings quantum for MIS eligibility will be revised in stages to ensure that excess savings used for investment do not affect members’ basic retirement needs. This measure reflects EPF’s commitment to promoting more sustainable, balanced, and resilient retirement planning in the long term.

Overall, these adjustments operationalise the RIA Framework announced in 2024, reflecting EPF’s commitment to balancing flexible access with the long-term protection of members’ savings, in line with current cost of living.

Introducing i-Simpan and i-Topup, refreshed names to inspire voluntary savings

Beyond these policy and product enhancements, the EPF has also refreshed the name of its voluntary contribution options by introducing i-Simpan for Self-Contributions, and i-Topup for Voluntary Excess contributions (amounts exceeding the statutory rate).

Both i-Simpan and i-Topup complement the EPF’s broader suite of voluntary contribution facilities such as i-Saraan, i-Sayang, i-Suri, and Akaun Persaraan Top-Up Savings, which are designed to accelerate retirement savings growth and cater to the diverse needs of different member segments.

For more information on these initiatives, members can refer to the respective FAQs available on the EPF website at www.kwsp.gov.my.

Issued by
Editorial and Media Relations Unit
Corporate Affairs Department
31 December 2025