PTPTN Loan Calculator Malaysia 2026
Estimate how much PTPTN loan you can get based on your household income, institution type and study level
Student Information
Your Estimated PTPTN Loan
Estimated Total PTPTN Loan (4 years)
RM 30,000
Category B · 75% of maximum
Annual Loan
RM 7,500
Per Semester
RM 3,750
Monthly Est.
RM 625
Max/Year
RM 10,000
💡 First Class Honours = PTPTN Fully Exempted
Graduate with First Class Honours (CGPA ≥ 3.67) from a public university? Your PTPTN loan of RM30,000 may be fully exempted — saving you the entire amount.
Check Your CGPA Now →Budget 2026: Exemption for B40/M40 graduates from IPTA
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🎓 PTPTN Repayment Calculator
Calculate your monthly instalment after graduation
🎓 CGPA Calculator
First Class Honours = Loan exempted
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PTPTN Loan Amount by Institution & Income Category 2026
The table below shows maximum annual PTPTN loan amounts. Your actual loan depends on your household income category (A, B, or C).
IPTA (Public University)
| Study Level | Max/Year | Cat A (100%) | Cat B (75%) | Cat C (50%) |
|---|---|---|---|---|
| Diploma | RM5,000 | RM5,000 | RM3,750 | RM2,500 |
| Degree (Science) | RM10,000 | RM10,000 | RM7,500 | RM5,000 |
| Degree (Non-Science) | RM7,500 | RM7,500 | RM5,625 | RM3,750 |
| Postgraduate | RM6,000 | RM6,000 | RM4,500 | RM3,000 |
IPTS (Private University)
| Study Level | Max/Year | Cat A (100%) | Cat B (75%) | Cat C (50%) |
|---|---|---|---|---|
| Diploma | RM8,000 | RM8,000 | RM6,000 | RM4,000 |
| Degree (Science) | RM14,000 | RM14,000 | RM10,500 | RM7,000 |
| Degree (Non-Science) | RM11,000 | RM11,000 | RM8,250 | RM5,500 |
| Professional (Med/Dent) | RM20,000 | RM20,000 | RM15,000 | RM10,000 |
| Postgraduate | RM10,000 | RM10,000 | RM7,500 | RM5,000 |
* Amounts are annual maximums based on 2026 rates. Actual disbursement may vary.
How PTPTN Income Categories Work
Category A — Income Below RM4,000/month
Eligible for 100% of the maximum loan amount. This category is for families in the B40 income group. Students receive the full maximum loan for their institution and study level.
Category B — Income RM4,000–RM8,000/month
Eligible for 75% of the maximum loan amount. This covers the M40 income group. Students receive three-quarters of the maximum loan.
Category C — Income Above RM8,000/month
Eligible for 50% of the maximum loan amount. This applies to T20 families. Students receive half the maximum loan. IPTS students in this category may have significant tuition shortfalls.
IPTA vs IPTS: PTPTN Loan Comparison
| Factor | IPTA (Public) | IPTS (Private) |
|---|---|---|
| Tuition fees/year | RM3,000–5,000 | RM12,000–25,000+ |
| Max PTPTN (Degree Science) | RM10,000/year | RM14,000/year |
| Max PTPTN (Degree Arts) | RM7,500/year | RM11,000/year |
| Loan covers tuition? | Usually yes | Often partial |
| First Class exemption | Yes (B40/M40) | No |
| Loan interest (ujrah) | 1% per annum | 1% per annum |
PTPTN First Class Honours Exemption (Budget 2026)
The Malaysian government announced in Budget 2026 that PTPTN loans will be fully exempted for graduates who:
- ✓ Graduate with First Class Honours (CGPA ≥ 3.67)
- ✓ From a public university (IPTA)
- ✓ Family income in B40 or M40 category
This means a student with a 4-year Science degree at IPTA could save up to RM40,000 in loan repayment. Use our CGPA Calculator to track your academic progress.
Tips to Maximise Your PTPTN Loan
1. Apply early
Submit your PTPTN application as soon as you receive your university offer letter. Late applications may face delays.
2. Choose Science/Technical courses
Science and technical programmes qualify for higher loan amounts at both IPTA and IPTS.
3. Maintain good academic performance
PTPTN may reduce or suspend loans for students who fail to meet minimum academic requirements.
4. Budget your living allowance
PTPTN is disbursed per semester. Plan your monthly spending to avoid running out before the next disbursement.
5. Aim for First Class
A CGPA of 3.67+ at IPTA means full loan exemption — the best return on your academic investment.
6. Consider supplementary scholarships
Apply for JPA, MARA, state scholarships, or corporate sponsors alongside PTPTN to cover any shortfall.
What If PTPTN Doesn't Cover Full Fees?
Apply for scholarships
JPA, MARA, Yayasan Peneraju, and state foundations offer scholarships that can be combined with PTPTN.
Part-time work
Many students work part-time during semester breaks. On-campus jobs and freelancing are popular options.
Personal loan (last resort)
If all else fails, a personal loan can bridge the gap. Compare rates to get the lowest interest.
Via RinggitPlus · Free comparison
Frequently Asked Questions
How much PTPTN loan can I get?▼
What is the difference between Category A, B and C?▼
Does PTPTN cover all tuition fees?▼
Can I get PTPTN for private university?▼
How do I qualify for loan exemption?▼
Kalkulator Pinjaman PTPTN — Berapa Banyak Yang Anda Layak?
Kalkulator percuma untuk menganggar jumlah pinjaman PTPTN anda berdasarkan pendapatan isi rumah, jenis institusi dan tahap pengajian.
Kategori Pendapatan PTPTN
- • Kategori A: Pendapatan < RM4,000/bulan → 100% pinjaman maksimum
- • Kategori B: Pendapatan RM4,000–RM8,000/bulan → 75% pinjaman maksimum
- • Kategori C: Pendapatan > RM8,000/bulan → 50% pinjaman maksimum
Pengecualian Pinjaman PTPTN
Graduan IPTA dengan Kelas Pertama (CGPA ≥ 3.67) dari keluarga B40/M40 layak mendapat pengecualian penuh pinjaman PTPTN. Ini bermakna anda tidak perlu membayar balik langsung.
Tips Mohon PTPTN
- • Mohon awal selepas dapat surat tawaran universiti
- • Pastikan kursus anda diiktiraf oleh MQA
- • Kekalkan prestasi akademik yang baik
- • Rancang perbelanjaan elaun hidup dengan bijak
- • Sasarkan Kelas Pertama untuk pengecualian penuh
Penafian: Jumlah pinjaman adalah anggaran berdasarkan kadar 2026. Jumlah sebenar bergantung kepada kelulusan PTPTN dan rekod akademik anda. Sila rujuk portal myPTPTN untuk pengesahan rasmi.
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