Housewives can now choose to contribute under i-Suri and receive special incentives from the Government. This facility aims to ensure the well-being of the housewives as well as to recognize their contribution to their family and the development of the country
Benefits
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Special Incentive 
Special incentive of 50% for every RM1 contributed up to a maximum of RM300 in the current year*
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Annual Dividend
Enjoy annual dividends on top of retirement savings
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Death Benefit
Subject to EPF terms and conditions
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Tax Relief
Subject to IRB terms and conditions
​*Lifetime incentive limit of RM3,000 or when member reaches age 55, whichever is earlier​. Subject to government terms and conditions.
Who Is Eligible To Apply
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Malaysian
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Below 55 years of age
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EPF Member
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Housewives registered under the National Poverty Data Bank (eKasih) as of the latest list​

Payment Methods 

Contribution payments will be credited to the member's EPF account within 3 working days for electronic payments and 7 working days for payment via other channels. 

i-Suri (Payment Channel Accordion)

Contribution Limit
Minimum: No limit
Subject to payment channels
Maximum: RM100,000 yearly
The maximum accumulated limit for Voluntary Contributions (Self Contribution, i‑Saraan Contribution, i‑Suri Contribution and Account 1 Top-up Savings Contribution) across all payment channels is RM100,000 per year
How To Register i-Suri
 KWSP i-Akaun*

EPF Website*

Self Service Terminal (SST)*

  • Registration for i-Suri at any SST via the i-Saraan menu.

  • Prepare MyKad

     

EPF Office

  • Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i-Suri Form – KWSP 16G (M)​

  • Prepare MyKad

     

Note:​ *Member applications will be automatically registered under i-Suri if the member is listed in the latest National Poverty Data Bank (eKasih) as of November 30, 2023.
Frequently Asked Questions

Frequently Asked Question

i-Suri FAQ Accordion

What is i-Suri?

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i-Suri is a subscription programme voluntary for women registered in 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 a a maximum of RM300 per year, subject to a lifetime incentive limit of RM3,000 or upon reaching the age of 55, whichever comes first.


Why was i-Suri introduced?

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The introduction of i-Suri aims to empower eligible housewives, providing them with the following benefits: 

i.   Ensuring retirement income security in their elderly years, particularly for vulnerable housewives 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 housewives 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 housewives, enhancing their financial security and acknowledging their invaluable role in society.
 


Who is eligible to apply for i-Suri?

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

i.    EPF member;
ii.   Malaysian Citizen;
iii.  Below 55 years of age;
iv.  Housewives registered under the National Poverty Data Bank (eKasih) as of the latest list.
 


How can EPF members listed in eKasih register under i-Suri?

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i-Suri registration for members listed in eKasih as of the latest list can be made as follows:

i.    Automatic registration of new EPF members matched with eKasih data information

ii.   Self-registration through:-

          a.  EPF i-Akaun mobile application

          b.  Online registration on the EPF website

          c.  Registration at Self-Service Terminal (SST)

iii.  Visit the nearest EPF branch by completing the Borang Permohonan Pendaftaran Caruman Sukarela i-Saraan/i-Suri (KWSP 16G (M))


Will the registration status of i-Suri which has been cancelled be re-registered?

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Yes. i-Suri members whose registration was cancelled will be re-registered if they are still listed in the eKasih data as of the latest list and are not registered under i-Saraan.


Do eKasih participants who have registered under i-Saraan need to register for i-Suri to enable eligible members to receive the special i-Suri incentive?

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Yes. eKasih participants who have registered under i-Saraan can choose to register as i-Suri participants if they meet the eligibility requirements. However, the eligibility for the special i-Suri incentive is subject to conditions set as follows:

i.   Housewives registered in the eKasih;
ii.  Registered under i-Suri;
iii. Malaysian Citizen;
iv. Below 55 years of age; and
v.  There are contribution payments received in the year. 

Note:
Registration for i-Saaran needs to be cancelled at any EPF branches before registering for i-Suri. The eligibility criteria for receiving incentives specify that a member is entitled to receive a single special incentive annually.

When does the new rate for the special i-Suri incentive take effect?

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The new rate for the special i-Suri incentive comes into effect starting from the year 2024, based on contributions made in the year 2024.


What is the total amount of the special incentive that will be received by registered housewives/women under i-Suri?

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The total amount of the special incentive for i-Suri to be received is based on a matching contribution of 50% for every RM1 contribution, subject to an annual maximum incentive limit of RM300.

An overall lifetime (accumulated) maximum special incentive limit of RM3,000 or reaching the age of 55, whichever comes first for each individual, is also introduced and will be considered starting from the year 2024.


Does the maximum lifetime limit for special incentives include incentives received from previous years?

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No, the maximum lifetime limit for special incentives begins with the special incentives received starting from the year 2024.


What is the purpose of introducing the maximum lifetime special incentive limit of RM3,000?

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The purpose of introducing a maximum lifetime special incentive limit of RM3,000 is:

i.   To accelerate the accumulation and rebuilding of savings for the retirement purposes of members, especially those impacted by the withdrawals of COVID-19;
ii.  To encourage members to proactively top-up their savings at any time;
iii. To safeguard the well-being of housewives/women and recognise their contribution within the family and national development; and 
iv. To ensure the receipt of incentives for a period of 10 years or until the member reaches 55 years of age, whichever occurs earlier


How can i-Suri contribution payments be made?

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

i.   i-Akaun mobile application (Member);
ii.  Internet banking;
iii. Bank agent counters – BSN, Maybank, Public Bank & RHB Bank;
iv. Registered bank agent – (EB) BSN;
v.  Cash payment (maximum RM500)/bank cheque/bank draft/money order/postal money at all EPF branches;
vi. Debit Card payments through Mobile Team (MT), Mini Outreach Team (MoT) & EPF branches.
 


What is the minimum amount that needs to be contributed to qualify members to receive the maximum special incentive i-Suri of RM300?

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

Refer to the illustration below:

Member Total Contributions Accumulated Current Year Annual Amount
Special Incentives
Fatima RM200 RM100
Cindy RM600 RM300
Letchumy RM800 RM300

Why are there participants listed in the eKasih data who are not eligible to apply for i-Suri?

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

i.   They are not listed as eKasih participants in the latest list;
ii.  They exceed the age requirement.

Note: For participants falling under the above criteria, they have the option to register for i-Saraan to receive i-Saraan special incentives, subject to terms and eligibility conditions.

When is the i-Suri special incentive payment credited to the member's EPF account?

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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 special incentive payment is subject to an annual maximum limit of RM300, with a lifetime maximum incentive of RM3,000 per individual (accumulated) or when reaching 55 years of age, whichever is earlier.


What are the benefits for members who contribute under i-Suri?

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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. Tax relief (subject to IRB terms and conditions).


Can members apply for a refund of i-Suri contributions that have been paid to EPF?

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No. All i-Suri contributions paid to EPF are final. Therefore, members need to ensure that payments are in order before proceeding with the transaction.


What is meant by eKasih?

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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://ekasih.icu.gov.my/Pages/Default.aspx) 


How is eKasih data utilised in the context of i-Suri?

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


Will EPF receive the latest eKasih data from time to time?

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


If there are inquiries regarding the eKasih system, where can this information be referred to?

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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).