EPF Dividend 2026 – 2025 Dividend Announcement & Review
LATEST: The Employee’s Provident Fund (EPF) will announce the 2025 dividend amount on February 28, 2026 (Saturday) through a special briefing to the media.
EPF dividends are usually declared around the first quarter of every year, i.e. between January and March. The announcement of the 2026 EPF dividend for the 2025 financial year (ending 31 December 2025) is scheduled for mid to late February 2026, or no later than early March 2026. The EPF announcement will be made via mass media and social media channels as well as the official EPF website later. Visit the official portal or social media of EPF Employee Provision Fund for review at a date to be announced later.
With the recovery of global economic performance and encouraging investment momentum, many parties hope that the announcement of the 2026 EPF dividend for the 2025 fiscal year will bring positive news.
The following is the official announcement of the 2026 EPF dividend distribution for the 2025 financial year.
What is EPF Dividend?
EPF Dividend, or Employees Provident Fund (EPF), refers to the annual profits declared and distributed to members based on the investment performance of their provident fund.
It is calculated as a percentage of the savings balance throughout the financial year (1 January to 31 December), with a minimum guarantee of 2.5% for conventional savings as per the EPF Act 1991 (Article 27).
Meanwhile, sharia savings depend entirely on sharia-compliant investment returns with no minimum guarantee.
Expected EPF Dividend 2026
The official announcement regarding EPF dividends for the 2025 financial year (ending 31 December 2025) until the end of January 2026 has not been made.
Experts’ expectations suggest a figure of approx 5.5% to 6.5%with most forecasts to remain at or above 6% based on strong investment performance in the first half and nine months of 2025.
EPF investment income increased 3% to RM38.92 billion in the first half of 2025, driven by global equities, supporting higher dividends compared to 2024 (6.30%).
For the nine months of 2025, revenue reached RM63.99 billion, up 11% from the previous year, putting the fund on a higher distribution path.
However, the final dividend level depends on EPF’s ability to balance its asset size which currently stands at more than RM1.3 trillion.
Due to the increasing size of the fund, EPF requires a much higher amount of net profit to declare each 1% dividend compared to previous years.
However, with Malaysia’s stable economic momentum and overseas investment diversification strategy, analysts believe the EPF will be able to maintain or exceed its 2024 performance (6.3%) when its official announcement is made in March 2026.
With this positive projection, contributors can look forward to dividend distribution that is not only competitive but also stable, in line with EPF’s mission to ensure the financial well-being of the Malaysian people.
EPF Dividend Declaration Date 2026
The Employee Provident Fund (EPF) will announce its 2025 dividend rate in February 28, 2026 (Saturday) through special briefings to the media.
Based on current reports, the 2025 EPF dividend is estimated at:
- Conventional Savings: around 5.8% – 6.5%
- Sharia Savings: around 5.5% – 6.0%
This projection is based on investment performance in the first nine months of 2025 which recorded an increase of 11% to RM63.99 billion compared to the same period the previous year.
For the record, the 2024 EPF dividend is equal to 6.30% for Conventional Savings and 6.30% for Sharia Savings.
The official announcement will determine the actual rates that contributors throughout Malaysia will receive.
Source: TV3 Bulletin
EPF Dividend Rate
The latest EPF dividend rate for the financial year ending December 31, 2025 is yet to be officially announced.
The announcement is scheduled for mid to late February 2026 or early March, following historical patterns such as 2024 being announced on March 1, 2025.
this information will be updated from time to time.
Last year’s EPF dividend rate (financial end 31/12/2024)
How to Check EPF Dividend
EPF dividend review can be done as soon as it is declared. Members can check the latest EPF report on a later specified date [AKAN DIKEMASKINI].
Here are the main ways you can check out digitally or physically:
1. Via the EPF i-Akaun Application
- Login: Open the app and enter your ID and password.
- Main View: The dividend amount will usually continue to be displayed in that section “Account Summary” or as the most recent transaction.
- View Statement: Click on the tab “Savings”then select “View Details”. You can download the annual report to see the dividend breakdown for Retirement, Wealthy, and Flexible Accounts.
*For those of you who don’t have an i-Account, make sure you register first. Please see: How to Register an EPF i-Account
If you haven’t downloaded the i-Akaun application, you can download it via the following link:
2. Via the i-Akaun Web Portal
- Surfing
- Enter ID, click Sign in Now.
- Confirm the security phrase, click Yes It’s Me if it is correct.
- Enter the registered Password.
- Select the menu “Savings” > “Annual Statement”.
- Select a fiscal year (example: 2025) and click “Search”. Dividends will be listed as “Annual Dividend”.
3. Via EPF Kiosk
- Visit any KWSP branch or location that has them KWSP Kiosk (like in some banks or shopping centers).
- Entering My card and verify identity using finger cap.
- Select to print Short Statement or Annual Statement to see the amount of dividends that have been credited.
ALSO READ: How to Register for EPF i-Saraan
Previous Year EPF Dividend Rate History
The following are the EPF Dividend Rates for Sharia Savings and Conventional Savings in previous years:
| Year | Percentage (Sharia Savings) | Percent (Conventional Savings) |
|---|---|---|
| 2024 | 6.30 | 6.30 |
| 2023 | 5.40 | 5.50 |
| 2022 | 4.75 | 5.35 |
| 2021 | 5.65 | 6.10 |
| 2020 | 4.90 | 5.20 |
| 2019 | 5.00 | 5.45 |
| 2018 | 5.90 | 6.15 |
| 2017 | 6.40 | 6.90 |
| 2016 | – | 5.70 |
| 2015 | – | 6.40 |
| 2014 | – | 6.75 |
| 2013 | – | 6.35 |
| 2012 | – | 6.15 |
| 2011 | – | 6.00 |
| 2010 | – | 5.80 |
| 2009 | – | 5.65 |
| 2008 | – | 4.50 |
| 2007 | – | 5.80 |
| 2006 | – | 5.15 |
| 2005 | – | 5.00 |
| 2004 | – | 4.75 |
| 2003 | – | 4.50 |
| 2002 | – | 4.25 |
| 2001 | – | 5.00 |
| 2000 | – | 6.00 |
| 1999 | – | 6.84 |
| 1997 – 1998 | – | 6.70 |
| 1996 | – | 7.70 |
| 1995 | – | 7.50 |
| 1988 – 1994 | – | 8.00 |
| 1983 – 1987 | – | 8.50 |
| 1980 – 1982 | – | 8.00 |
| 1979 | – | 7.25 |
| 1976 – 1978 | – | 7.00 |
| 1974 – 1975 | – | 6.60 |
| 1972 – 1973 | – | 5.85 |
| 1971 | – | 5.80 |
| 1968 – 1970 | – | 5.75 |
| 1965 – 1967 | – | 5.50 |
| 1964 | – | 5.25 |
| 1963 | – | 5.00 |
| 1960 – 1962 | – | 4.00 |
| 1952 – 1959 | – | 2.50 |
Dividend Refining
Let’s see how the application of Sharia Savings EPF starts with an example of dividend purification which is mandatory for Muslim members. Hope it is useful!
Switch to Simpanan Syariah for pure & sharia retirement savings.
How to change a Sharia EPF Account can be seen in this article: How to Change a Conventional EPF Account to an Online Sharia
Further information
Headquarters (Headquarters)
EPF Tower,
No.1, Main Kwasa Road Area,
Kwasa Damansara, Section U4,
40150 Shah Alam, Selangor.
If you have any questions, you can submit an inquiry and check the status of the inquiry here:
Follow Tabung Haji’s social media for the latest updates at:-
EPF Dividend 2026 FAQ
The Employees’ Provident Fund (EPF) will announce the amount of dividends for 2025 on February 28 2026 through a special briefing to the media.
Economists expect the dividend rate to be in the range of 6.0% to 6.5%. This is based on EPF’s investment performance which recorded income of RM63.99 billion during the first 9 months of 2025 (up 11% compared to the same period in 2024).
EPF dividends are calculated using the average daily balance method. This means that every ringgit in your account every day will be counted. The earlier you contribute (for example through voluntary contributions at the beginning of the year), the higher the dividends that money will generate through the compounding effect.
Conventional Dividend invests in a broader portfolio including the global conventional banking sector, while Sharia only invests in assets that are fully sharia compliant. Since 2024, the difference in rates between the two has narrowed, even being recorded as the same (6.30%).
Login to KWSP i-Akaun (web or app), select the Savings or Dividends tab, and click View Details to see the amount of dividends for Accounts 1, 2 and 3.
Dividends are credited automatically after the official announcement and can be checked directly via i-Akaun.
No, EPF dividends are income tax free for members.
Start January 1, 2026several important changes have come into effect:
– Flexible Account: Members now have the flexibility to access funds for short-term needs.
– i-Advice Plus: Government incentives for gig workers increased to RM600 a year.
– Hajj Withdrawal Limit: Collect from RM3,000 up to RM10,000 for eligible members.
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