The Employees Provident Fund (EPF) of Malaysia announced that the dividend payout for both Conventional Savings Accounts and Islamic Savings Accounts will be 6.15% in 2025, slightly lower than the 6.3% in 2024.
EPF CEO Ahmad Zulkarnain said at a media briefing on Saturday (February 28) that last year’s lower-than-expected dividend payout was mainly due to two factors: firstly, reduced investment returns from the EPF’s holdings on the Malaysian Stock Exchange; and secondly, the strengthening of the Ringgit, which led to a decline in the value of some of the EPF’s international assets, particularly those denominated in US dollars.
Nevertheless, this marks the second consecutive year that the EPF dividend payout rate has exceeded 6%, and the second consecutive year that the dividend payout rates for Conventional Savings Accounts and Islamic Savings Accounts have remained flat.
Ahmad Zulkarnain said that the total EPF dividend payout for 2025 will reach RM79.6 billion (approximately S$25.9 billion), of which RM67.1 billion will be paid out of Conventional Savings Accounts and RM12.5 billion will be paid out of Islamic Savings Accounts.
He also stated that since the government began mandating employers to contribute to the Employees Provident Fund (EPF) for foreign workers last year, the number of EPF members has increased from 16.2 million in 2024 to 18.1 million in 2025. Of these, 10.6 million are active members.
As of December 31, 2025, the EPF’s disposable income is RM82.7 billion, a 9.5% increase from RM75.5 billion in 2024.
