6 October 2026
EPF Dividend 2025: 6.15% Rate, History & How It's Paid
KWSP declared a 6.15% dividend for 2025 (Konvensional and Shariah), credited 1 March 2026. See past years' rates and how to check your dividend.
Free tool: EPF Retirement & Dividend Calculator →
KWSP declared a dividend of 6.15% for both Simpanan Konvensional and Simpanan Shariah for 2025. It was announced on 28 February 2026 and credited to members' accounts on 1 March 2026, with a total payout of RM79.6 billion. That is the confirmed figure — earlier forecasts of 6.3% to 6.5% were expectations, not the declared rate.
EPF dividend rate history
The table below shows the declared rate for the last five years. Each year's dividend is announced the following February.
| Year | Simpanan Konvensional | Simpanan Shariah |
|---|---|---|
| 2025 | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
How to calculate your EPF dividend
A simple estimate is your balance multiplied by the declared rate. For example, RM50,000 held for the whole year at 6.15% would earn about RM3,075. Your actual dividend can differ, because it depends on when contributions went in and on any withdrawals during the year, so treat this as a guide rather than an exact figure. To see how dividends compound over many years, use the EPF retirement calculator.
When was the 2025 dividend credited, and how do I check it?
The 2025 dividend was credited on 1 March 2026. You can check your dividend statement through i-Akaun (website or app), which showed statements from 28 February 2026, or at a KWSP self-service terminal. The dividend is credited to each of your accounts based on that account's balance.
Konvensional or Shariah: does it matter?
For 2025 and 2024 both savings types received the same rate. In earlier years they differed — in 2022, for example, the conventional rate was 5.35% against 4.75% for Shariah — so it is worth knowing which type your savings are in. You can see this in i-Akaun.
What about the 2026 dividend?
The 2026 dividend has not been declared. Following the usual pattern, expect the announcement in the last week of February 2027. Any specific 2026 percentage quoted before then is speculation.
Frequently asked questions
What is the EPF dividend for 2025?
6.15% for both Simpanan Konvensional and Simpanan Shariah. KWSP announced it on 28 February 2026 and credited it to members' accounts on 1 March 2026, with a total payout of RM79.6 billion.
When will the EPF 2026 dividend be announced?
It has not been declared yet. KWSP usually announces the previous year's dividend in the last week of February, so the 2026 dividend is expected around late February 2027.
How do I check my EPF dividend?
Log in to i-Akaun (website or app) and open your statement, or use a KWSP self-service terminal. The dividend is credited to each of your accounts based on that account's balance.