Smart Steps to Consistently Repayment PTPTN Loan

Once we enter the workforce, we become familiar with new challenges that constantly emerge especially in managing finances. One commitment that cannot be neglected is PTPTN loan repayment. This is not just a responsibility towards the borrower, but also significantly meaningful for the continuity of PTPTN loans to future generations.

Consistently repaying the PTPTN loan is also the best way to settle the loan as it helps to gradually reduce the debt burden. Additionally, borrowers can build a good credit record, which is very important in various financial aspects in the future. Here, we will share some smart and practical strategies to help you manage your PTPTN loan repayment steps more effectively.



We often hear the phrase "smart in borrowing, wise in paying", right? So, now is the time for you to practice it. Want to know more? Keep reading to discover the secrets and effective tips we share below.

The best guide to repay PTPTN without stress but consistently

Consistently repaying your PTPTN loan is key to reducing financial stress. There are several methods to ensure that you stay on the right track with your loan repayments. Two (2) methods that are often used are salary deductions and direct debits. Both of these methods can ensure that your loan payments are made on time and managed well. Before you know it, your loan will be significantly reduced.

1. Salary Deductions

You can apply for a salary deduction through myPTPTN by completing your personal and employer details for processing by PTPTN. Follow these steps for the salary deduction application:

Step 1:


Step 2:

  • Click "Salary Deduction Application"
  • Click "APPLY" on Pinjaman Ujrah account


Step 3:

  • Choose "Employer Name"
  • Update the information and click "CONTINUE"
  • Check the information and make a self-declaration acknowledgment and click "SAVE"


Step 4:

  • Your salary deduction application has been received

How long the salary deduction process typically takes?

The process will take about three (3) months before the deducted amount is state in the salary statement.

Borrowers can make periodic checks through myPTPTN to ensure that the salary deduction has been successfully made.

Note: If there are no deductions yet, borrowers can recheck with their employer or PTPTN. There might be incomplete documents or non-compliance with the salary deduction application procedure.

2. Direct Debits

Another alternative for borrowers to make consistent repayments is direct debit. You can apply for direct debit through myPTPTN and follow these easy steps:

Step 1:


Step 2:

  • Click "Direct Debit Application"
  • Click "APPLY" on Pinjaman Ujrah account
  • Click "APPLY" to proceed


Step 3:

  • Update your information and click "CONTINUE"
  • Check the information and make a self-declaration acknowledgment and click "CONTINUE"


Step 4:

  • Click "BANK CHOICE" and click "CONTINUE"
  • If the transaction is successful, the system will automatically generate a receipt that can be saved and printed


As a borrower, you should update the amount in the bank's application system based on the repayment schedule set by PTPTN. Arrears in the loan statement will occur if the amount requested is found to be lower than the actual schedule.

Borrowers must also ensure that there are sufficient funds in their bank account when the deduction process occurs. Typically, deductions are made on the 1st, 10th, or 27th of each month depending on the approval date for direct debit authorization by the applicant's bank.

If the direct debit deduction transaction fails, it may be due to the following factors:

  1. The balance in the bank account is insufficient
  2. Applicant's account has been close or inactive account
  3. Other reasons determined by the applicant's bank. Borrowers can contact their bank for further inquiries.


Borrowers should be aware of their bank account status to ensure the direct debit process is successful.

Use EPF Account II to repay the PTPTN loan

Utilizing Account II of the EPF for the repayment of PTPTN loans is a smart and effective step for you to accelerate the process of reducing your PTPTN loan balance.

By using a part of your EPF savings, you not only have the opportunity to settle your debt earlier but also pave the way towards a more stable financial situation. This option should be considered, especially for those who have sufficient savings in Account II and wish to reduce their financial burden more quickly.

You can also withdraw savings from EPF Account II to repay PTPTN education loans for themselves, their spouse (husband/ wife), children and/ or parents.

Advantages of repaying PTPTN loan via EPF Account II:

  • There is no withdrawal limit; borrowers can pay off any outstanding amount, a portion of the loan or the entire balance of their PTPTN education loan.
  • Can make withdrawals more than once, as long as there is a balance in Account II.
  • No processing fees.
  • Enjoy savings on service fees and shorten the repayment period.
  • Even if borrowers have already repaid their PTPTN loan through salary deductions or direct debit, repayment via EPF is still allowed.
  • No supporting documents are required for subsequent withdrawals.

Start repaying your loan now!

Paying back PTPTN loan is easier with a withdrawal from EPF Account II

Discover the easy steps for repaying PTPTN loans through EPF here

Consequences of not repaying PTPTN loans

PTPTN loans will be recorded in the CCRIS report after 12 months end of the loan period. If payments are not received or are inconsistent, payment attitude can be seen in the CCRIS report.


No. Borrowers are responsible for repaying according to the specified period set without having to wait for the Repayment Order Notice from PTPTN. There is no allocation for such an agreement from PTPTN that mentioned borrowers have to repay only after receiving notice.

It is commendable to repay as early as possible because there’s no service charges imposed before the commencement period of loan repayment.

The repayment must be done before the day of 27 every month to ensure the transactions stay updated in the current month statement. The transaction after the date will be pushed to the next month's statement. However, transactions made through the PTPTN counter until the end of the month will be updated in the statement for the current month.

The balance of the education loan can be checked through myPTPTN or contact PTPTN Marketing Officer.