EPF raises self-employed top-up to 20% for up to RM500 a year
The Employees Provident Fund will increase the government top-up under its i-Saraan scheme to 20% in 2025, giving self-employed members up to RM500 a year.
Source: Astro Mustika HD · August 19, 2026 at 3:01 PM · AI-assisted report
Corroborated
KUALA LUMPUR, 19 AUGUST 2026 —
The Employees Provident Fund will increase the government top-up under its i-Saraan scheme to 20% in 2025, giving self-employed members up to RM500 a year.
Market Impact
The top-up rises from the current 15% and applies to Malaysians aged 14–60 who work for themselves or have no fixed income, according to an EPF statement on Wednesday. Eligible groups include small traders, e-hailing drivers, freelancers, home-based workers and housewives, provided they are already EPF members.
To qualify for the maximum RM500 top-up, members must contribute at least RM2,500 in a calendar year, the EPF said. The lifetime cap remains RM5,000 or age 60, whichever comes first.
Contributions can be made at any time, but timing affects when the top-up is credited. Payments received before June are counted for the August credit, while July-to-December payments count for the following March, the EPF said.
Registration is free and online via https://online.kwsp.gov.my/isaraanReg. After submitting personal details, users receive an email confirmation within minutes, according to the EPF.
Contributions can be made through online banking with Maybank, CIMB, RHB, Public Bank or Muamalat, at BSN, Public Bank or Maybank counters, via registered BSN agents, or at any EPF branch (cash limited to RM500).
Members can check if the top-up has been credited by logging into their i-Akaun, selecting “Sumbangan Kerajaan”, and viewing the latest entry in Account 1, the EPF said. No special documents are needed for online transfers; new members only need their MyKad and form KWSP 16G(M) at registration, while manual payments require form KWSP 6A(2).
Questions can be directed to the EPF hotline at 03-8922 6000 or through the dedicated page at https://www.kwsp.gov.my/i-saraan.
Related: Maybank