i-Suri is a voluntary contribution programme for women registered under the National Poverty Data Bank (eKasih), including housewives, widows, single mothers and single women. Eligible EPF members will receive a Special Incentive of up to RM300 per year, subject to a lifetime maximum limit of RM3,000 or upon reaching the age of 60, whichever comes first.

The introduction of i-Suri aims to empower eligible women whose listed in eKasih acquire the following benefits: 

i.   Ensuring retirement income security in their elderly years, particularly for vulnerable women at high risk of poverty;
ii.  Safeguarding their well-being in their elderly years or during sudden changes in the household;
iii. Recognising and acknowledging the significant contribution of women in maintaining the harmony of the household and the country; and
iv. Promoting a culture of continuous savings for retirement income in their elderly years.
This initiative is designed to address the unique challenges faced by women, enhancing their financial security and acknowledging their invaluable role in society.

The eligibility criteria for i-Suri application are as follows:

i.    EPF member;
ii.   Malaysian Citizen;
iii.  Below 60 years of age;
iv.  Women registered under the National Poverty Data Bank (eKasih) as of 30 November of the previous year.

Members listed in eKasih as of 30 November of the previous year can register for i-Suri in the following ways:

i. Automatic registration for new EPF members, where information will be matched with eKasih data
ii. Self-registration through:-
          a.  KWSP i-Akaun application
          b.  Online registration on the EPF website
          c.  Self-Service Terminal (SST) at EPF offices
iii.  Visit the nearest EPF branch by completing the Borang Permohonan Pendaftaran Caruman Sukarela i-Saraan/i-Suri (KWSP 16G (M))

The amount of the i-Suri Special Incentive received is based on a matching contribution of 50% for every RM1 contributed, subject to a maximum annual limit of RM300.

Furthermore, a cumulative lifetime cap of RM3,000 on the special incentive, or until the member reaches the age of 60, whichever occurs earlier, has also been introduced and will take effect starting from 2024.

Members can make i-Suri contribution payments through the following channels: -

i.    KWSP i-Akaun app;
ii.   Internet banking;
iii.  Bank agent counters – BSN, Maybank, Public Bank & RHB Bank;
iv.  Registered bank agent – (EB) BSN;
v.   Payment via cheque and bank draft at EPF office receipting counters;
vi.  Debit Card payments at any EPF branches or through Mobile KWSP Team/Relationship Advisory (RA)
vii. Self-Service Terminal (SST) – Payment using debit card through a payment terminal at the selected EPF office

There is no minimum contribution amount required for voluntary i-Suri contributions. However, members are encouraged to contribute at least RM600 under the i-Suri scheme in the relevant year in order to qualify for the maximum annual special incentive of RM300.

Refer to the illustration below:

The lifetime maximum limit is calculated based on the cumulative total of annual Special Incentives and is limited to RM3,000 or upon reaching the age of 60, whichever comes first.

Example:
Aminah contributes to i-Suri and receives the Special Incentive for 2024, 2025 and 2026.

The total accumulated Special Incentive she received is RM900.

The i-Suri Special Incentive that she is still eligible to receive is RM2,100 (RM3,000 - RM900).

Individual listed in the eKasih data are not eligible to apply for i-Suri if:

i.    They are not listed as eKasih participant as of 30 November of the previous year.
ii.    They exceed the age requirement.

Note: Individual who fall under the above criteria may opt to register for i-Saraan to receive i-Saraan Special Incentives, subject to the applicable terms and eligibility conditions.

i-Suri Special Incentive payment will be credited into the member's EPF account twice a year (subject to the receipt of Special Incentive payments from the Government).

The benefits that members can obtain for contributing under i-Suri are:-

i.    Increase the retirement savings rate with Special Incentives from the Government;
ii.    Enjoy annual dividends on savings;
iii.    Death benefit (subject to EPF terms and conditions);
iv.    Members are also eligible to receive tax relief (subject to IRB's terms & conditions).

i-Suri contributions will be credited to Akaun Persaraan (Akaun 1), Akaun Sejahtera (Akaun 2), and Akaun Fleksibel (Akaun 3) according to its distribution rate, which are 75%, 15%, and 10% respectively.

The i-Suri Special Incentive will be credited to Akaun Persaraan (Akaun 1), Akaun Sejahtera (Akaun 2), and Akaun Fleksibel (Akaun 3) according to its distribution rate, which are 75%, 15%, and 10% respectively.

eKasih is the National Poverty Database. It contains information about poverty, including individual profiles, programmes/assistance received by the Head of Household (KIR) and Household Members (AIR). The database encompasses details of aid applications and monitors the effectiveness of programmes/assistance received. (https://ekasih2.icu.gov.my/)

The eKasih data is used for i-Suri registration and to assess eligibility for receiving i-Suri Special Incentives.

Yes. EPF will receive the latest eKasih data from time to time provided by the Implementation Coordination Unit , Prime Minister Department (ICU, JPM). 

Any inquiries regarding the eKasih system can be referred to the ICU Portal, Prime Minister's Department (https://ekasih.icu.gov.my/Pages/Default.aspx).

The payment methods for i-Suri contributions are as follows: 

1. One-time payment via KWSP i-Akaun app, internet banking, registered bank agents, bank agent counters, payment by cheque or bank draft at EPF office receipting counters,  debit card payment through the EPF Mobile Team/ Relationship Advisory (RA) services, Self-Service Terminal (SST) and at the selected EPF office, OR 
2. Recurring contribution (Auto Simpan) via the KWSP i-Akaun app and i-Akaun (Member) web portal. 

Members can register for Auto Simpan via the KWSP i-Akaun app or the i-Akaun (Member) web portal to enable automatic and recurring monthly contributions using the DuitNow AutoDebit service. Follow these steps: 

1. Log in to the KWSP i-Akaun app or i-Akaun (Member) web portal; 
2. On the Home page, click the Savings tab; 
3. Click on "Increase Your Savings"; 
4. Select “Activate Auto Simpan”; 
5. The Auto Simpan introduction screen will be displayed. Click “Continue”; 
6. Set your contribution amount and monthly deduction date; 
7. Select your bank; 
8. Confirm your contribution details, tick to agree with the Terms & Conditions, and click “Continue”; 
9. Log in to your bank account to authorise the Auto Simpan registration; 
10. A confirmation message will be displayed. Click “Done” to complete the Auto Simpan registration process. 

A visual guide is available here.