ahli_simpanan_i-saraan.md

i-Saraan: Grow Your Retirement Savings - KWSP Malaysia






























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## i-Saraan: Grow Your Retirement Savings

![](/documents/d/guest/banner-member-grow-isaraan-webp?download=true)

## Breadcrumb




1. [Member](https://www.kwsp.gov.my/en/member)
2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
3. i-Saraan







#### i-Saraan

Retirement Savings For Self‑Employed Members​







i-Saraan is a voluntary contribution initiative introduced by EPF. It offers an opportunity for self-employed individuals and gig economy workers without fixed income to obtain government incentives for retirement purposes, subject to the established requirements.​





i-Saraan is a voluntary contribution initiative introduced by EPF. It offers an opportunity for self-employed individuals and gig economy workers without fixed income to obtain government incentives for retirement purposes, subject to the established requirements.​





Benefits


![icon card](/documents/d/guest/arrears?download=true)

Special Incentive

Receive special incentive of 15% for the total contribution up to a maximum of RM500 for the current year\*



![icon card](/documents/20119/44065/1%20Million.png/cb762af5-983f-a1c6-dcec-b7d620b9060f?t=1701084549506&download=true)

Annual Dividend

Enjoy annual dividends on top of retirement savings



![icon card](/documents/20119/44065/Death.png/cf9087c0-dabd-3477-0b89-20532fc0c1b5?t=1701084551397&download=true)

Death Assistance

Subject to EPF terms and conditions



![icon card](/documents/20119/44038/Incentive.png/49a6c8d2-0945-96bf-22a0-e750e33ea3fb?t=1701082503391&download=true)

Tax Relief

Subject to IRB terms and conditions




*\*Had insentif seumur hidup sebanyak RM5,000 atau mencapai umur 60 tahun yang mana lebih awal​. Tertakluk kepada terma dan syarat kerajaan.*










Who Is Eligible To Apply


![icon card](/documents/20119/44050/Frame%209771.png/ce2b305e-ee05-5df5-2ea2-4418947e1d01?t=1701084662292&download=true)

Malaysian




![icon card](/documents/20119/44044/Withdrawal%20Icons.png/8fb4badc-e50f-01b7-2915-dd193b913921?t=1701084714265&download=true)

Self-employed individuals​

Who derive income from own work and are not an employee​



![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?t=1701084661669&download=true)

EPF Member




![icon card](/documents/20119/44050/Below%2060.png/b057f0d2-2748-ba15-1b65-a22702f51c2b?t=1701084666268&download=true)

Below 60 years of age










Benefits


![icon card](/documents/d/guest/arrears?download=true)

Special Incentive 

Receive special incentive of 15% for the total contribution up to a maximum of RM500 for the current year\*



![icon card](/documents/20119/44065/1%20Million.png/cb762af5-983f-a1c6-dcec-b7d620b9060f?t=1701084549506&download=true)

Annual Dividend

Enjoy annual dividends on top of retirement savings



![icon card](/documents/20119/44065/Death.png/cf9087c0-dabd-3477-0b89-20532fc0c1b5?t=1701084551397&download=true)

Death Assistance

Subject to EPF terms and conditions



![icon card](/documents/d/guest/incentive-png?download=true)

Tax Relief

Subject to IRB terms and conditions









*​\*Lifetime incentive limit of RM5,000 or when the member reaches age 60, whichever is earlier. Subject to government terms and conditions.*














Who Is Eligible To Apply

Requirements  
  





![icon card](/documents/20119/44050/Frame%209771.png/ce2b305e-ee05-5df5-2ea2-4418947e1d01?download=true)

Malaysian




![icon card](/documents/20119/44038/Wages%20for%20Half%20Day.png/bf4459a1-727e-b4e9-a7f9-a5f91e6dd8b2?download=true)

Self-employed individuals​

Who derive income from own work and are not an employee​



![icon card](/documents/20119/44050/EPF%20Member.png/e9091d38-0eff-c589-092e-181bf9916555?download=true)

EPF Member




![icon card](/documents/20119/44050/Below%2060.png/b057f0d2-2748-ba15-1b65-a22702f51c2b?download=true)

Below 60 years of age

















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-Saraan (Payment Channel Accordion)




### Mobile App​


![back chevron](/documents/d/guest/more-1)


Electronic payment via KWSP i‑Akaun mobile app. For more details, refer to the FAQ section at the bottom.



### Internet Banking​


![back chevron](/documents/d/guest/more-1)


Online payment via:​

1. Alliance Bank
2. Bank Islam
3. Bank Muamalat
4. BSN
5. CIMB Bank
6. Hong Leong Bank
7. Kuwait Finance House
8. Maybank
9. MBSB
10. Public Bank
11. RHB Bank
12. Ambank


### Registered Bank Agent​


![back chevron](/documents/d/guest/more-1)


Electronic/cash payment [Bank Agent (EB) BSN](http://www.bsn.com.my/page/locate-us?lang=en&csrt=9932093579762160924).​



### Bank Agent Counters​


![back chevron](/documents/d/guest/more-1)


Cash/cheque payment via bank agent counters:​

* BSN​
* Maybank​
* Public Bank​
* RHB Bank – Only payments via debit card and debit transfers are accepted​.

Note: Please attach Bayaran Caruman i‑Saraan/i‑Suri Form ‑ [KWSP 6A (2)](/documents/d/guest/kwsp_6a_2) 

If payment made by cheque or bank draft:

1. Payment must be made to KUMPULAN WANG SIMPANAN PEKERJA.​​
2. Please state member's EPF number, contribution month, and phone number on the back.



### EPF Office


![back chevron](/documents/d/guest/more-1)


* Payment via cash (maximum RM500)/cheque/bank draft/money order/postal order can be made at the following EPF  Receipting Counters:​

1. KWSP Shah Alam​
2. KWSP Kuala Lumpur​
3. KWSP Ipoh​
4. KWSP Seberang Jaya​
5. KWSP Alor Setar​
6. KWSP Kangar​
7. KWSP Johor Bahru​
8. KWSP Muar​
9. KWSP Melaka​
10. KWSP Seremban​
11. KWSP Kuantan​
12. KWSP Kuala Terengganu​
13. KWSP Kota Bharu​
14. KWSP Kota Kinabalu​
15. KWSP Kuching​

* Payment via Debit Card is available at all EPF Offices.​

​

Note: Please attach Bayaran Caruman i-Saraan/i-Suri Form - [KWSP 6A (2)](/documents/d/guest/kwsp_6a_2) ​ 

EPF does not encourage members to make payments in cash for large amounts at EPF counters.

If payment made by cheque or bank draft:

1. Payment must be made to KUMPULAN WANG SIMPANAN PEKERJA.​​
2. Please state member's EPF membership number, contribution month, and phone number on the back.



### EPF Mobile Team / Relationship & Advisory (RA)


![back chevron](/documents/d/guest/more-1)


* Electronic payment via Debit Card.​
* Contribution payment amount is subject to the payer's Debit Card transaction limit.​

​

For more details, refer to the FAQ section at the bottom.

Contribution payment via Debit Card through the EPF Mobile Team/ Relationship & Advisory (RA) services is based on the Schedule Table.




 View More 


















## Contribution Limit​





Minimum: RM1.00






Subject to payment channels






Maximum: RM100,000 per year





The maximum accumulated limit for Voluntary Contributions (Self Contribution, i‑Saraan Contribution, i‑Suri Contribution and Akaun Persaraan Top‑up Savings Contribution) across all payment channels is RM100,000 per year












## How To Register i-Saraan





KWSP i-Akaun





* i-Saraan registration via [KWSP i-Akaun app](http://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html)




EPF Website​




* Online registration for i-Saraan through the [i-Saraan Registration Portal](http://online.kwsp.gov.my/isaraanReg/?lang=en).




Self Service Terminal (SST)​





* i-Saraan registation at any [SST](/corporate/connect-with-us)
* Prepare MyKad




EPF Office




* Fill out the Voluntary Contribution Registration Application form for i-Saraan/i-Suri - [KWSP 16G (M)](/documents/d/guest/form_kwsp_16g_m)
* Prepare MyKad






KWSP i-Akaun




* Registration of i‑Saraan/i‑Suri through [KWSP i‑Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) app​





EPF Website​




* [i‑Saraan](https://online.kwsp.gov.my/isaraanReg/?lang=en) Online Registration




Self Service Terminal (SST)​




* Visit any [SST](/corporate/connect-with-us)​ location
* MyKad




EPF Office




* Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i‑Suri Form – [KWSP 16G (M)​](/documents/d/guest/form_kwsp_16g_m)
* MyKad












---






---





KWSP i-Akaun





* Registration of i‑Saraan/i‑Suri through [KWSP i-Akaun](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) app​




Self Service Terminal (SST)​







* Visit any [SST](/corporate/connect-with-us)​ location
* MyKad



---






EPF Office




* Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i‑Suri Form – [KWSP 16G (M)​](/documents/d/guest/form_kwsp_16g_m)
* MyKad



---















Forms

* [P](/documents/d/guest/form_kwsp_16g_m)[ermohonan Pendaftaran Caruman Sukarela i‑Saraan/ i‑Suri Form - KWSP 16G (M)](/documents/d/guest/form_kwsp_16g_m)
* ​[Bayaran Caruman i‑Saraan/ i‑Suri Form - KWSP 6A (2)​](/documents/d/guest/kwsp_6a_2)




[Permohonan Pendaftaran Caruman Sukarela i‑Saraan/ i‑Suri Form - KWSP 16G (M)](/documents/d/guest/form_kwsp_16g_m)



[​Bayaran Caruman i‑Saraan/ i‑Suri Form - KWSP 6A (2)​](/documents/d/guest/kwsp_6a_2)














Frequently Asked Questions
 View

Frequently Asked Question


## i-Saraan (FAQ Accordion)




### What is i-Saraan?


![back chevron](/documents/d/guest/more-1)


i-Saraan is a voluntary contribution facility introduced by EPF, offering self-employed members, those with no fixed incomes, and gig economy sector workers an opportunity to receive special incentives from the Government for retirement purposes, subject to the terms and conditions.


---



### Will the i-Saraan programme continue?


![back chevron](/documents/d/guest/more-1)


The extension of the i-Saraan programme and the incentives is an initiative from the Government. Any changes to the terms and conditions will be informed time to time.


---



### Are there any changes to the current eligibility requirements for i-Saraan registration?


![back chevron](/documents/d/guest/more-1)


There are no changes to the i-Saraan eligibility requirements, which are:-  
 i.   Registered as an EPF member;  
 ii.  Malaysian Citizens;  
 iii. Below 60 years of age;   
 iv. Individuals who are self-employed with no fixed income, members of the civil service in a pension service scheme and workers in the gig economy sector.


---



### Can members who have reached the age of 55 register i-Saraan?


![back chevron](/documents/d/guest/more-1)


Yes. EPF members who are Malaysian citizens and have not reached the age of 60 can register for i-Saraan.


---



### Can members who have reached the age of 60 register i-Saraan?


![back chevron](/documents/d/guest/more-1)


No. i-Saraan is only open to EPF members who have not reached the age of 60.


---



### Can members who are civil service employees in a pension service scheme apply for i-Saraan?


![back chevron](/documents/d/guest/more-1)


Civil service employees who have retired and have not reached the age of 60 are eligible to register for i-Saraan.


---



### Can members who are currently serving in the military apply for i-Saraan?


![back chevron](/documents/d/guest/more-1)


Military members who are still serving can apply for i-Saraan if they are registered as EPF members.


---



### What is the purpose of increasing the i-Saraan's special incentive payment from RM300 to RM500 per year with a maximum lifetime special incentive (accumulated) of RM5,000 per individual?


![back chevron](/documents/d/guest/more-1)


The purpose of increasing the limit of the special incentive and introducing a maximum lifetime special incentive of RM5,000 per individual are as follows:

1. Establishing a social protection network by providing guaranteed income during elderly years for all; ​​
2. Expanding the coverage of the EPF scheme to include all working-age populations, including workers in the informal sector or those with no fixed income; ​
3. Allowing individuals to benefit a meaningful incentive for retirement; ​
4. Encouraging members to continue saving continuously for retirement income; and ​
5. Ensuring the guaranteed receipt of incentives for 10 years or until the member reaches the age of 60, whichever is earlier.

---



### When does the increase in the maximum payment rate for the i-Saraan special incentive take effect?


![back chevron](/documents/d/guest/more-1)


The increase in the maximum payment rate for the i-Saraan special incentive comes into effect starting from the year 2024, based on contributions made in the year 2024.


---



### Is the maximum lifetime limit for special incentives inclusive of contributions made in previous years?


![back chevron](/documents/d/guest/more-1)


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


---



### How can i-Saraan contribution payments be made?


![back chevron](/documents/d/guest/more-1)


Members can make i-Saraan 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 amount that needs to be contributed to qualify for the maximum i-Saraan special incentive of RM500 per year?


![back chevron](/documents/d/guest/more-1)


Members are eligible to receive the special incentive based on matching contribution of 15% of the total accumulated contributions for the current year made by members. To qualify for the maximum annual special incentive of RM500, members need to contribute at least RM3,334 per year.

Refer to the illustration below:  


| **Member** | **Total Contributions Accumulated**  **Current Year** | **Annual Amount Special Incentives** |
| --- | --- | --- |
| Ahmed | RM1,000 | RM150 |
| Baba | RM3,334 | RM500 |
| Kevin | RM5,000 | RM500 |


---



### When will the i-Saraan special incentive payments be credited to the member's EPF account?


![back chevron](/documents/d/guest/more-1)


The i-Saraan special incentive payment will be credited to 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 a maximum limit of RM500 per year. A maximum lifetime special incentive limit of RM5,000 (accumulated) or reaching the age of 60, whichever comes first for each individual, is also introduced and will be considered starting from the year 2024.


---



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


![back chevron](/documents/d/guest/more-1)


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


---



### What happens if I make i-Saraan contribution after the age of 55?


![back chevron](/documents/d/guest/more-1)


All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60.


---























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