Last updated : 11/16/20 6:49 PM     


Maximum first advance ranges between RM4,000 to RM10,000

KUALA LUMPUR, 16 November 2020: The Employees Provident Fund (EPF) announces the details and requirements of access to Account 1 under the i-Sinar facility.

After a thorough study and assessment, the EPF has taken the step to widen the scope of i-Sinar to cover active members who have lost their jobs, given no-pay leave, or have no other source of income. i-Sinar will now benefit 2 million eligible members and result in a total estimated value of RM14 billion to be made available.

Eligible members can start applying from December 2020. Funds will be credited into members’ bank accounts by the end of the month following their i-Sinar application. First crediting will take place in January 2021. Advances will be made over a period of six (6) months from the first date of crediting.

Generally, eligible members will have access to 10% of their savings in Account 1, subject to always having a minimum balance of RM100:

For those who have RM90,000 and below (Account 1), they have access to any amount up to RM9,000. The amount advanced will be staggered over a period of six (6) months with an increased first advance of up to RM4,000.

For those who have above RM90,000 (Account 1), they have access of up to 10% of their Account 1 savings. However, the maximum total amount allowed to be advanced is RM60,000. The amount advanced will be staggered over a period of six (6) months with an increased first advance of up to RM10,000.

To illustrate:

Account 1 savings RM90,000 and below

Account 1 savings above RM90,000

Maximum of RM9,000

(subject to RM100 remaining balance at all times)

Up to 10% of their savings

(with a maximum total amount of RM60,000)

First month advance of up to RM4,000

First month advance of up to RM10,000


Balance in Account 1:

Total amount allowed:








Balance in Account 1:

Total amount allowed:







Members who choose to apply for the i-Sinar facility will be required to replace the full amount advanced. All future contributions will be 100% credited to Account 1 until such time the amount advanced is replenished. Thereafter, contributions will revert to 70% to Account 1 and 30% to Account 2.

To determine the right amount to be applied under i-Sinar and ensure sustainability during the crisis, members are strongly urged to first seek financial advice from EPF’s Retirement Advisory Services (RAS) and/or the Credit Counselling and Debt Management Agency (AKPK).

Further information and full details on the i-Sinar eligibility and terms and conditions will be available soon.

Issued by the EPF Media Desk
Corporate Affairs Department
16 November 2020



About the Employees Provident Fund (EPF)

The Employees Provident Fund (“EPF”) is one of the oldest retirement funds in the world. Established in 1951, the EPF is a social-security organisation focused on safeguarding member savings and delivering excellent services. In recent years, in line with its vision of helping members achieve a better future, the EPF has expanded its role to encompass the creation of a comprehensive social well-being ecosystem. Today, the EPF remains steadfast in its commitment to members through consistent efforts to update and improve itself, in order to build the foundation for sustainable, holistic and equitable well-being for all Malaysians