Retirement Incentive (i-Saraan)
As a member under this incentive, you will receive a 15% government contribution (a maximum of RM250/year [Effective 1 Jan 2018]) on top of your own contributions.
Last updated : 28 Sep 2022 
Voluntary Contribution with Retirement Incentive (i-Saraan) allows our members who are self-employed and do not earn a regular income to make voluntary contributions towards your retirement, and at the same time receive additional contribution from the government.
As a member under this incentive, you will receive a 15% government contribution (a maximum of RM250/year [Effective 1 Jan 2018]) on top of your own contributions.
*Not applicable to members that receive a fixed employer contribution.
*Government contribution is limited to members who are below age 60.
Who derive income from own work and are not an employee
Submitted Form KWSP 16G(M)
Important Reminder: Housewives are only allowed to opt for one (1) incentive at a time. If you have registered for Insentif Suri (Kasih Suri Keluarga Malaysia KWSP) earlier, you would need to cancel it before reapplying for i-Saraan. However this is depending on your eligibility.
| Mobile App | Internet Banking | Registered Bank Agent | Bank Agent Counters | EPF Counters |
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The amount limit is a minimum of RM10 and up to a maximum of RM60,000 per year. Click here for more info. |
Online transfer
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Cash/cheque
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Cash (RM500 maximum)/cheque at all EPF counters in state capital including KWSP Muar. |
*Up to 14 working days may be needed before contribution is reflected in your statement.
**We do not encourage members to make cash payment at the EPF counter especially for large amounts.
No limit
RM60,000 yearly for all Voluntary Contribution
(Self Contribution, i-Saraan, Kasih Suri Keluarga Malaysia KWSP, Top-up Savings Contribution – effective January 2013)
