Kota Kinabalu (Feb 28) - The Employees Provident Fund (EPF) has announced a dividend rate of 6.15% for 2025 for both conventional and Syariah savings accounts, marking a slight decrease from the 6.3% declared in 2024.
For conventional savings, the 6.15% rate translates into a total payout of RM67.1 billion. Meanwhile, Syariah savings will see a payout of RM12.5 billion at the same dividend rate. Altogether, the total distribution for 2025 amounts to RM79.6 billion, benefiting millions of contributors nationwide.
Although the percentage return is lower than last year, the overall payout for conventional savings has increased compared to 2024, when RM63.05 billion was distributed at a higher rate of 6.3%. Similarly, Syariah savings recorded a larger absolute payout this year compared to RM10.19 billion in 2024, despite the drop in rate. The increase reflects continued growth in the total funds managed by EPF.
Looking back over the past decade, conventional savings dividends have fluctuated in response to changing economic conditions. The rates were 6.35% (2013), 6.75% (2014), 6.4% (2015), 5.7% (2016), 6.9% (2017), 6.15% (2018), 5.45% (2019), 5.2% (2020), 6.10% (2021), 5.35% (2022), 5.5% (2023), 6.3% (2024), and now 6.15% for 2025.
The Syariah savings scheme, introduced in 2017, recorded dividend rates of 6.4% (2017), 5.9% (2018), 5.0% (2019), 4.9% (2020), 5.65% (2021), 4.75% (2022), 5.4% (2023), 6.3% (2024), and 6.15% for 2025. The 6.3% declared in 2024 was the highest since 2017, with a total payout of about RM73.24 billion at the time.
EPF members may access their updated 2025 statements beginning February 28 via the KWSP i-Akaun portal.
Impact on Sabahans
For contributors in Sabah, the 6.15% dividend offers continued returns on retirement savings, providing some financial reassurance amid rising living costs. The higher overall payout also signals steady fund growth, which is important for long-term retirement security for workers across the state, including those in both public and private sectors.