Last updated : 22 Dec 2022 
EPF members in the private and non-pensionable public sectors contribute to their retirement savings through monthly salary deductions by their employers. These contributions, comprising the member’s and employer’s share, will be credited into the member's EPF account. In this section, you will learn more about this deduction and what it means to you.
Your mandatory contribution is calculated based on your monthly salary as an employee in accordance with the Contribution Rate (Third Schedule). Monthly contributions are made up of the employee’s and employer’s share which is paid by the employer through various methods available to them.
For those who would like to know more about their contribution rate, you can view the rates below (up to the age of 60).
Your employer is required to provide you with a salary slip every month. This will enable you to ensure your salary has been correctly deducted and also serve as proof of your EPF contributions. You are advised to keep and check your salary slips throughout your employment.
This slip should contain the following information:
Members can check their contributions through Account Statement in i-Akaun to ensure contributions have been credited accordingly.
For all your contributions, the government guarantees a minimum paid dividend rate of 2.50% for Simpanan Konvensional.
Dividend rates for Simpanan Shariah will be based on actual performance of the EPF's shariah compliant investments.
| Year | Simpanan Shariah (Per Annum) |
Conventional Savings (Per Annum) |
|---|---|---|
| 2020 | 4.90 | 5.20 |
| 2019 | 5.00 | 5.45 |
| 2018 | 5.90 | 6.15 |
| 2017 | 6.40 | 6.90 |
| 2016 | - | 5.70 |
| 2015 | - | 6.40 |
| 2014 | - | 6.75 |
You can make sure all your details in your Account Statement or i-Akaun (Member) are correct such as:
Take up your responsibility to ensure your credited contributions are correct every month. A smart member ensures all their contributions are in order by following our short checklist.
Check your contributions
You can determine that the contribution is in order by checking the contribution deduction using either your Penyata Ahli or Member (i-Akaun). You need to ensure that the right contributions have been credited into your account properly.
Salary slips
It is advisable that you check your monthly salary slips and to keep them safe throughout the period of your employment.
Should you find arrears or difference in your contributions, you should report below
Lodge A Contribution Complaint
Get your employer to recover your contributions
If your employer fails to deduct your salary for EPF contributions at the time your salary is paid, your employer cannot recover the contributions from you after a period of six months. Under such circumstance, your employer has to pay for both the employee's and employer's shares as well as the dividends accrued to the EPF.
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|
Year |
Per Annum (Simpanan Shariah) |
Per Annum (Simpanan Konvensional) |
| 2020 |
4.90 |
5.20 |
| 2019 |
5.00 |
5.45 |
| 2018 |
5.90 |
6.15 |
| 2017 |
6.40 |
6.90 |
| 2016 |
- |
5.70 |
| 2015 |
- |
6.40 |
| 2014 |
- |
6.75 |
| 2013 |
- |
6.35 |
| 2012 |
- |
6.15 |
| 2011 |
- |
6.00 |
| 2010 |
- |
5.80 |
| 2009 |
- |
5.65 |
| 2008 |
- |
4.50 |
| 2007 |
- |
5.80 |
| 2006 |
- |
5.15 |
| 2005 |
- |
5.00 |
| 2004 |
- |
4.75 |
| 2003 |
- |
4.50 |
| 2002 |
- |
4.25 |
| 2001 |
- |
5.00 |
| 2000 |
- |
6.00 |
| 1999 |
- |
6.84 |
| 1997 - 1998 |
- |
6.70 |
| 1996 |
- |
7.70 |
| 1995 |
- |
7.50 |
| 1988 - 1994 |
- |
8.00 |
| 1983 - 1987 |
- |
8.50 |
| 1980 - 1982 |
- |
8.00 |
| 1979 |
- |
7.25 |
| 1976 - 1978 |
- |
7.00 |
| 1974 - 1975 |
- |
6.60 |
| 1972 - 1973 |
- |
5.85 |
| 1971 |
- |
5.80 |
| 1968 - 1970 |
- |
5.75 |
| 1965 - 1967 |
- |
5.50 |
| 1964 |
- |
5.25 |
| 1963 |
- |
5.00 |
| 1960 - 1962 |
- |
4.00 |
| 1952 - 1959 |
- |
2.50 |
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