REPAYMENTS
Refund channel
- Over the counter refund
- Online refund methods
- Repayment Channel Through Salary Deduction
- Repayment Via Direct Debit
- Repayment Through KWSP
Refund channel
Over The Counter
Refund channel
Over The Counter
CHANNEL | Information | CHARGE (RM) | WORKING UPDATE PERIOD (WORKING DAYS) |
---|---|---|---|
PTPTN Counter (Nationwide) | Cashless payment via Electronic Data Capture (EDC) terminal: - Debit card (issued by local bank) - Credit card (issued by local bank) - Charged card (local) | - | 3 Days |
Agent counter | Bank Islam Bank Rakyat Pos Malaysia CIMB Bank Bank Simpanan Nasional (BSN) | 1.00 | 3 Days |
PayQuick Kiosk | - Loan repayment channel via cash. - For payment guidance, Click Here. | 1.00 | 1 Days |
Razer Cash at 7-Eleven | - Loan repayment channel via cash. - For payment guidance, Click Here. - For the Razer Cash link at 7-Eleven, Click Here. | 1.00 | 3 Days |
Digi Kiosk | - Loan repayment channel via cash. - For payment guidance, Click Here. | 1.00 | 3 Days |
e-Pay | - Loan repayment channel via cash. - e-Pay services are available at Caltex, KK Mart 24 Jam, Mydin, myNEWS.com, PAK Grocer, & Petron. | 1.00 | 1 Days |
Note :
Repayments must be made no later than the 27th of each month to ensure that the transaction is updated in the current month's statement. Transactions after that date will be updated in the following month's statement. However, transactions made up to the end of the month through the PTPTN counter/ PTPTN Marketing Executive will be updated in the statement in the current month.
Refund channel
Online
Refund channel
Online
CHANNEL | Information | CHARGE (RM) | WORKING UPDATE PERIOD (WORKING DAYS) | |
---|---|---|---|---|
Online Banking | Bank | Manual | - | - |
Bank Islam | | 1.00 | 3 Days | |
Bank Rakyat | | 1.00 | 3 Days | |
Maybank | | 1.00 | 3 Days | |
Public Bank | | 1.00 | 3 Days | |
RHB Bank | | 1.00 | 3 Days | |
Pos Online | | 0.50 | 3 Days | |
Affin Bank | | 1.00 | 3 Days | |
Ambank | | 1.00 | 3 Days | |
AgroBank | | 1.00 | 3 Days | |
CIMB Bank | | 0.50 | 3 Days | |
Bank Simpanan Nasional | | 1.00 | 3 Days | |
myPTPTN | - Facility available is to pay online through myPTPTN application. | - | 3 Days | |
MBSB(MBSB Bank e-wallet) | - Facility available is to pay online via MBSM Bank e-wallet. | 0.50 | 3 Days | |
JomPAY | - Facility available is to pay online via online banking and mobile phone that is using current account, savings, and credit card. | - | 3 Days | |
MyPay | - Refunds can be done via online on mobile web. | 1.00 | 3 Days | |
Shopee | - Refunds can be done via online on Shopee. | 1.00 | 3 Days | |
kiplePay | - Refunds can be done via online on KiplePay. | 1.00 | 3 Days | |
BESTPay | - Refunds can be done via online on BESTpay. | 1.00 | 3 Days | |
KelantanPAY | - Refunds can be done via online on KelantanPAY. | 0.80 | 3 Days | |
AnsaraPay | - Refunds can be done via online on AnsaraPay. | 1.00 | - | |
PayHalal | - Refunds can be done via online on PayHalal. | 1.00 | - | |
SpayGlobal | - Refunds can be done via online on Spay Global. | 0.80 | - | |
IIMMPACT | - Refunds can be done via online on IIMMPACT. | 1.00 | 3 Days | |
OneCALL | - Refunds can be done via online on OneCALL. | 1.00 | 3 Days | |
KioskMedia | - Refunds can be done via self-service kiosks. | 1.00 | - | |
Boost | - Refunds can be done via online on Boost. | 1.00 | - | |
Touch n Go(TnG e-Wallet) | - Refunds can be done via Touch n Go. | 1.00 | - | |
Mcash | - Refunds can be done via Mcash. | 1.00 | - | |
PTPTN Official Portal FPX | List of banks: | - | 1 Days |
Note :
Repayments must be made no later than the 27th of each month to ensure that the transaction is updated in the current month's statement. Transactions after that date will be updated in the following month's statement. However, transactions made up to the end of the month through the PTPTN counter/ PTPTN Marketing Executive will be updated in the statement in the current month.
Refund channel
Through Payroll Deductions
Refund channel
Through Payroll Deductions
- Starting from September 2015, civil servants (who received loans from PTPTN) are mandated to repay the loan through salary deductions.
- Hence, effective on November 1, 2015, salary deductions for loan repayments are managed by PTPTN and NOT through Lembaga Hasil Dalam Negeri (LHDN). Click here for loan repayment info about salary deduction directly to PTPTN. here for loan repayment info through salary deduction directly to PTPTN.
- Repayment through salary deductions should align with the established Reimbursement Schedule (JBB). The deduction cannot be less than the set amount. Any deductions that have exceeded the set amount, should be reported to PTPTN.
- Salary deductions are only issued for the current month, any arrears must be cleared by using other methods.
- As for salary deduction, you are required to have a minimum amount of RM500.00. Meanwhile, the maximum duration of repayments through salary deduction is 6 months.
- Borrowers NOT ALLOWED discontinue payroll deductions until the outstanding loan has been fully repaid.
- Salary deductions will be terminated in the following circumstances:
- The borrower has fully repaid the loan.
- The borrower has been declared bankrupt by the Malaysian Department of Insolvency, or
- PTPTN receives notification of the borrower’s termination of employment or job change from the borrower or employer.
- Borrowers are required to complete Salary Deduction Cancellation Application Form and submit it to PTPTN.
Employer noncompliance with salary deduction
It is an offense for employers to neglect their responsibilities in managing salary deductions. According to Section29 of the PTPTN Act, enforcement action will be initiated if the employer fails to remove funds from the borrower’s salary for the purpose of repaying the PTPTN loan in monthly payments. Any employed who disregards the notification can be deemed guilty under Subsection 2 and subject to be fined not more than RM20, 000.00 or imprisoned (imprisoned but not more than one year) or both.
Want to Apply for a Salary Deduction?
Frequently Asked Questions (FAQs)
Borrowers can make a salary deduction bia online or come to the nearest PTPTN counter.
Salary deduction repayment ensures timely payments and protects borrowers from negative consequences such as being blacklisted or facing lawsuits. It also leads to a positive credit score record on CCRIS. For civil servants, salary deduction repayment is required per the Chief Secretary of State’s instructions in September 2015.
Firstly, you (the borrower) must fill out the Salary Deduction Authorization Form, which is accessible on PTPTN website. You have to submit it along with a copy of your latest salary slip at any PTPTN branch. Afterwards, PTPTN will enter the salary deduction information into their system. The employer will then receive a salary deduction amount from PTPTN. Once the employer carries out the salary deduction, PTPTN will update the payment details in the statement. The employer can examine the revised repayment record by checking the Loan Statement.
PTPTN implements a mandatory salary deduction if the borrower has not made repayment within 14 days from the effective date of the PTPTN Loan Repayment Negotiation Instruction Letter. If the borrower is unable to make the installment as specified, the borrower may still have the option to negotiate with PTPTN. However, the borrower must contact PTPTN within 14 days of receiving the letter.
No, it is not possible. Salary deductions for monthly repayment installments are based on the established Repayment Schedule. However, the borrowers have the option to make repayments through other available channels.
One common reason is that the borrower’s salary deduction information such as salary number and accounting office code may not match the employer’s records. In such cases, the borrower is required to provide PTPTN with a copy of their latest salary slip and Salary Deduction Authorization Form.
One common reason is that the borrower’s salary deduction information such as salary number and accounting office code may not match the employer’s records. In such cases, the borrower is required to provide PTPTN with a copy of their latest salary slip and Salary Deduction Authorization Form.
To ensure continuity of payments, the borrower must complete the Salary Deduction Authorization Form with his new employer and notify PTPTN. The previous payroll deduction arrangement with the old employer will be terminated. The next deduction will be made with the new employer.
Borrowers who are facing blacklisting or legal summonses must resolve the matters first. They should seek consultation at any PTPTN branch if they have been blacklisted or the Legal Prosecution Division at the Kuala Lumpur headquarters if they have been sued before resuming payments through salary deductions.
Yes, borrowers can do so by filling out the Payroll Deduction Authorization Form with the new deduction amount.
No, it is not possible. If a borrower is unable to make payments based on the scheduled installments, they are advised to reschedule their loan.
Borrowers can make salary deductions as per the original schedule, but they must first settle any outstanding payments to ensure that their repayment record is free of arrears. If they are unable to settle the arrears, they need to reschedule their loan to obtain a new installment amount that includes the arrears amount.
Borrower should contact their employer promptly to investigate the issue with PTPTN.
The borrower must make monthly installment payments through alternative channels to prevent falling into arrears and facing potential enforcement actions.
Borrowers should adjust the salary deduction amount to match the Ujrah agreement by completing a new Salary Deduction Authorization Form. If the Ujrah agreement amount is lower than the current deduction amount, it is advisable for the borrower to continue with the current deduction amount to take advantage of cost saving and repay the loan sooner.
The latest payroll deduction installment amount will continue to be based on the conventional deduction amount. If the new installment amount under Ujrah is higher than the current amount, it may result in arrears.
The repayment made via salary deduction will be recorded on the borrower’s loan statement by the subsequent month, after the employer has transferred the payment of PTPTN.
If the employer fails to implement the wage deduction order, it is considered a violation of the law. In such cases, if found guilty, the employer may face a fine up to RM20,000, imprisonment of up to 1 year, or both, as per Section 29 of the PTPTN Act 1997 (Act 566).
Under the Sahabat PTPTN program, employers who implement salary deductions for loan repayments will receive a one-time commission of RM10.00 for the initial successful deduction.
No, it is not possible. Starting from 1 November 2015, IRBM no longer acts as the collection agent for PTPTN education loan repayments. Therefore, employers must directly contact PTPTN for any salary deduction requests.
To guarantee the successful implementation of salary deductions, the following steps must be taken:
Employers must complete he Employer registration Form (PTPTN Salary Deduction) and submit it to the nearest PTPTN Office.
PTPTN will update the salary deduction details into its system.
PTPTN will send a new salary deduction record to the employer every month (if any).
Employers must implement monthly salary deductions and submit the data (PTPTN Salary Deduction Form By Employer) and salary deduction payment to PTPTN before 15th day of the following month.
PTPTN will update the payment information in the borrower’s statement.
To facilitate salary deductions, the employer must submit the PTPTN Salary Deduction Form by Employer to PTPTN. The form should consist of:
- Employer’s information
- Payment information; and
- Employee’s information such as identification number (IC), name, deduction amount, and salary/ employee)
The data above must be submitted by the employer in softcopy form (Ms Excel) to PTPTN.
Employers are required to submit the salary deduction information to PTPTN within 3 working days after processing the deduction or before the 15th day of the following month.
Employers are opted to receive and send salary deduction information through either File Transfer Protocol (FTP) or email. If employers opt for this method, PTPTN will provide the host name, username, and password of the PTPTN FTP server to the employer.
If the method of sending and receiving salary deduction information is via email, PTPTN will send it to the employer’s email. The employer must resubmit the processed salary deduction information to PTPTN at the email address aduan_BPG@ptptn.gov.my.
PTPTN only requires these details for employee salary deduction information as below:
- Identification card number (IC)
- Employee name
- Total deduction amount (RM), and
- Employee’s salary/ worker number
These details must be submitted to PTPTN in softcopy (Ms Excel).
If the information issued through the payroll system consists of the details above, PTPTN will receive and process the salary deduction from the employer. However, PTPTN will inform the employer if additional information is required.
PTPTN will send updates to the employers regarding new deductions, changes in deduction amounts, and end of deductions. THe employer will need to perform the deduction process on the employee’s salary for the following month based on this information.
The new employee should fill out the PTPTN Education Loan Repayment Authorization Form and submit it to PTPTN. At the end of each month, PTPTN will send the salary deduction information to the employer for processing purposes.
The employer needs to inform PTPTN in written form.
Yes. PTPTN will inform the employer when an employee completes their loan repayment by providing a report at the end of each month. The report will include information on new deductions, changes in deduction amounts, and those who have completed their repayment. Employees who have completed their repayment will have a deduction amount of nine (9) zeroes.
NO. KP | NAME | TOTAL DEDUCTION (RM) | NO. WORKERS' WAGES |
---|---|---|---|
821011045131 | SHAH JEHAN BIN SHAHRUDIN | 000000000 | 34254 |
Therefore, the employer should not deduct their salary for loan repayment in the following month.
It is not possible for the employer to terminate the employee’s salary deduction, even if the number of employees involved is small. The deduction can only be cancelled or terminated if the borrower has fully repaid their debt, resigned from their job, or has been declared bankrupt by the Malaysian Insolvency Department only.
Employers have the option to choose between Electronic Fund Transfer (EFT) or cheque when making payments for employee deductions.
If the payment is made through EFT, the employer must transfer the payment to the National Higher Education Fund Corporation in the Agency’s Salary Deduction Collection (Bank Islam). The employer must also submit the following details via email (aduan_BPG@ptptn.gov.my) within one day after the payment transfer is made:
- Date of Transfer
- Transfer amount
- Transfer number references; and
- Evidence of transfer (Example: October UKM)
To make payment by cheque, the employer should make the cheque payable to “National Higher Education Fund Corporation” or “PTPTN”, and send it to PTPTN through handover, post, or deposit at an bank counter/ cheque deposit machine (Bank Islam only) The employer must note the Agency Salary Deduction Collection Account number on the back of the cheque.
Employers should submit the employee’s salary deduction information in softcopy (Ms Excel) to PTPTN via email (aduan_BPG@ptptn.gov.my) as soon as the cheque is sent.
Yes. A receipt will be issued once the payment is received and the information is updated in the loan statement.
Repayment Via
Direct Debit
Repayment Via Direct Debit
1. Have a Current Account/Savings Account from the following banks and registered for electronic banking services.
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2. Have a Loan account (Loan Repayment) at PTPTN.
3. For Loan Repayments, you are required to know the types of your loan account, whether it is an Islamic (Ujrah) loan account or a Conventional loan account.
4. Successful transactions will be updated in the loan statement within 3 business days.
5. For a direct debit manual application, Click Here.
Want to Apply for Direct Debit?
Frequently Asked Questions (FAQs)
Direct Debit is a PTPTN loan repayment and Simpan SSPN Prime deposit facility, in which borrowers/depositors authorize PTPTN to make periodic deductions from their Savings Account/Current Account.
Starting from 19 April 2017, applications for Direct Debit are done online. This online procedure is an improvement made to replace the existing procedure that uses a form. Through this procedure, verification of authorization for account holders is made via Internet Banking that uses a FPX platform.
The procedure steps:
- Visit PTPTN’s Official Portal
- Click the Direct Debit Application icon
a) Loan Direct Debit Application
- Click Loan Direct Debit Application
- Enter Identification Card Number > Click the displayed Loan Statement link
Ujrah Loan Transaction Summary The Conventional Transactions Summary Enter the Identification Card Number (NRICs). Enter the Identification Card Number (NRICs). Enter the Password. Click FORGOT PASSWORD to receive a new Password.
The New Password will be sent to the existing email address in the PTPTN system. Please update your new email in the PTPTN portal if the existing email is no longer active and repeat the steps above.
Enter Loan Number.
Please contact the PTPTN Customer Service to receive Loan Number 03 - 2193 3000
After the login to the transaction summary is successful, Balance Statement. After the login to the transaction summary is successful, click Direct Debit Application Click Direct Debit Application b). Application For SSPN-i Direct Debit
- Click SSPN-i Deposit Direct Debit Application
- Enter the depositor Identification Card Number (NRICs)
- Click Review SSPN-i Statement
- Enter the depositor Identification Card Number (NRICs)
- Enter the Password
- Click FORGOT PASSWORD to receive a new Password from the registered email address.
- After the login to the savings statement is successful, click Direct Debit Application.
Here are the banks that provide online Direct Debit Registration facilities.
Local Banks | |||
---|---|---|---|
NO. | Bank Name | NO. | Bank Name |
1. | Bank Islam | 9. | Public Bank |
2. | Maybank | 10. | Public Islamic Bank |
3. | Maybank Islamic | 11. | RHB Bank |
4. | Bank Rakyat | 12. | RHB Islamic Bank |
5. | CIMB | 13. | Affin Bank |
6. | CIMB Islamic | 14. | Ambank |
7. | Hong Leong Bank | 15. | Alliance |
8. | Hong Leong Islamic Bank | 16. | Bank Pertanian Malaysia (Agrobank) |
BANK ANTARABANGSA | |||
---|---|---|---|
NO. | Bank Name | NO. | Bank Name |
1. | HSBC | 10. | Al-Rajhi Bank |
2. | OCBC | 11. | BNP Paribas |
3. | OCBC Al-Amin | 12. | Bank Of China ( Malaysia) Berhad |
4. | Standard Chartered | 13. | Bank Of America (M) Berhad |
5. | Standard Chartered Saadiq | 14. | Bank Of Tokyo (MUFG) |
6. | Deutsche Bank | 15. | Industrial and Commercial Bank Of China |
7. | UOB Bank | 16. | J.P Morgan Chase Bank |
8. | Kuwait Finance House | 17. | Mizuho Bank (Malaysia) Berhad |
9. | Sumitomo Mitsui Banking Corporation |
Yes, the Direct Debit facility is FREE. There are no charges for the application and every successful Direct Debit transaction. However, a registration fee/deposit of RM1.00 is charged for each application made and will be refunded to the PTPTN loan/savings within one (1) working days.
The requirements for the Direct Debit application are as follows:
The Direct Debit application for loan repayments or savings deposit is only for accounts with outstanding loan balances or active savings accounts.
The requested amount for loan repayment must be the same as or greater than the monthly installment amount set. For savings deposit, the minimum amount allowed is RM20.
The bank account selected for Direct Debit implementation must be in active status.
The application process will take 3 working days from the complete application process.
The application for the Direct Debit is unsuccessful if:
The applicant account is not active.
Failure during the login process to the payer’s online banking system.
Failure during the RM1 fee/deposit authentication process via the payer online banking system.
Insufficient account balance during RM1 fee/deposit authentication process via internet banking of payer’s bank system.
Other reasons identified by the applicant’s bank.
The repayment and deposit deductions for SSPN Prime will take place on the 1st, 10th or 27th of every month, subject to the approval date of the applicant’s Direct Debit authorization by the bank.
A Direct Debit transaction can fail due to the following reasons:
- Insufficient balance in the account
- Applicant's account closure/ inactive account
- Other reasons identified by the applicant’s bank.
PTPTN will make deductions on the 1st, 10th, or 27th of every month. If a deduction is not successful on any of these dates, it means there will be no repayment or SSPN Prime Savings deposit from the borrower/depositor for that month. The borrower is required to make repayment through other channels to avoid the loan becoming overdue, which could affect their CCRIS record.
Depositors are also encouraged to make deposits through other channels to enjoy the dividends given.
No. Each deduction is for one month's repayment amount only. If no deduction is successful in that month, it means there will be no repayment from the borrower for that month.
Therefore, the borrower must ensure that there is sufficient balance in their bank account to ensure that the deduction can be made and to enjoy the benefits of Direct Debit.
The cancellation will be done automatically if the total loan balance has been settled. Cancellation for other reasons is subject to PTPTN’s approval.
No. Direct Debit for PTPTN loan repayments/ SSPN-i deposits can only be made using Savings Account/ Current Account.
The advantages for borrowers who make loan repayments via Direct Debit are as follows:
Borrowers can ensure consistent loan repayments are made.
Borrowers can avoid loan defaults and enforcement actions such as being blacklisted by the Malaysian Immigration Department (JIM) and summons.
Borrowers can avoid a bad record in the Central Credit Reference Information System (CCRIS) when there are no loan arrears.
Ensuring consistent savings every month.
*Subject to terms and conditions set from time to time.
Yes. However, the application of Direct Debit is not allowed to have more than one bank account holder from different banks to make deductions on the same loan/savings account.
Example:
NO. | Situation | Application Status | Note |
---|---|---|---|
1 | A mother is making repayment via Direct Debit on behalf of her child. | The Direct Debit Application is allowed | Only one bank account holder can make a deduction for a loan account. Bank account holder: Mother. |
2 | Mother and Father are making repayments for the same child | Direct Debit Application is not allowed | More than one bank account holder is making deductions on the same loan account. Bank Account Holders:
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Refund channel
Through EPF Withdrawal
Refund channel
Through EPF Withdrawal


Borrowers/ parents of borrowers (account members) can withdraw EPF Account II to make PTPTN loan repayments.


Borrowers have the option to use a partial or full withdrawal from their EPF Account II to repay the loan.


Effective on April 1, 2016, borrowers can use e-withdrawal to submit a withdrawal application for PTPTN loan repayment. e-withdrawal
Borrowers or parents can utilize their EPF Account II for loan repayment (subject to withdrawal conditions).
There are no restrictions on the amount that can be withdrawn.
Multiple withdrawals are allowed as long as there is a balance in the EPF Account II.
No processing charges apply.
Borrowers can benefit from reduced wage/ administrative costs and have a shorter loan repayment period.
- This opportunity is open to all levels of study, including both members or their children.
- The minimum required level of study is Diploma.
Online (e-Withdrawal)
e-withdrawal e-Pengeluaran refers to submitting a request for withdrawal through the EPF website using an i-Akaun account.
e-Withdrawal applications steps are as follows:
Step 1:
Login to the member’s i-Akaun ,you need to click the Withdrawal Tab, e-Withdrawal and then New Application to start a transaction.Step 2 :
Check the application status via SMS or Inbox Security Message on i-Akaun.Step 3 :
Visit any EPF branch for fingerprint identification and bring the required documents specified by KWSP. This identification serves to verify the member’s identity as an applicant and provides evidence of the application’s submission as the confirmation notice.
Note: Members are given a period of 14 days to present at the EPF counter from the date of receipt of the security message in i-Akaun inbox. Apart from that, the fingerprint identification process will be notified via SMS. If the members fail to show up within this time frame, their application will be automatically terminated.
When an individual goes to the KWSP counter for fingerprint identification and submits the required documents, EPF will process it within a maximum of 15 business days.
- For i-Akaun registration, you need i-Akaun Activation Code (6 digits) through:
- EPF Call Center at 03-8922 6000
- EPF kiosk
- EPF counter
- Activate the member’s i-Akaun using the activation code within 30 days.
Frequently Asked Questions (FAQs)
The following requirements must be fulfilled to withdraw EPF for refunds of PTPTN student loans:
- This opportunity is open to all levels of study, including both members or their children.
- The minimum required level of study is Diploma.
Applications for EPF Akaun II withdrawal for the repayment of PTPTN loans must be submitted online using e-withdrawal on KWSP website. However, the borrowers must have EPF i-Akaun so that you can use e-Withdrawal.