What is the difference between PTPTN Ujrah and Conventional scheme?

The Ujrah scheme is Shariah-compliant and charges 1% per annum flat rate — this is the current standard for all new PTPTN loans. The Conventional scheme charges 3% per annum and applies to older loans taken before 2008. Ujrah is significantly cheaper: on a RM30,000 loan over 10 years, you save RM6,000 with Ujrah vs Conventional. Borrowers on the Conventional scheme can apply to convert to Ujrah.

When do I start repaying my PTPTN loan?

PTPTN repayment begins 12 months after your graduation date (or the date you leave your studies). You will receive a repayment schedule (Jadual Bayaran Balik) from PTPTN. If you settle the full amount within 12 months of graduation, you may qualify for 100% Ujrah fee waiver — meaning you only pay back the principal.

What happens if I don't repay my PTPTN loan?

As of 2026, PTPTN defaulters who have not made any payment for more than 5 years AND earn above RM6,000/month may face an overseas travel ban. Additionally, defaulters may be blacklisted by CCRIS/CTOS, affecting their ability to get other loans, credit cards, or even rental agreements. It's strongly recommended to at least make minimum payments to avoid these consequences.

Can I use EPF to repay my PTPTN loan?

Yes, EPF members can withdraw from Akaun Sejahtera (Account 2) to repay their PTPTN loan. This is done through a direct application to EPF with supporting documents from PTPTN. Using EPF savings to reduce your principal can significantly lower total charges. However, consider the opportunity cost — EPF typically earns 5-6% dividends, while PTPTN Ujrah only charges 1%.

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PTPTN Repayment Calculator Malaysia 2026

Q: How much is my PTPTN monthly repayment?

Your PTPTN monthly repayment depends on your total loan amount, scheme (Ujrah or Conventional), and repayment period. For example, a RM30,000 Ujrah loan over 10 years costs approximately RM275/month. PTPTN recommends repayments of 5-8% of your gross monthly income. Use our calculator for an instant estimate.

Calculate your monthly PTPTN instalment and total repayable amount. Compare Ujrah vs Conventional schemes.

Loan Details

💰 Total PTPTN Loan: RM 30,000

RM5,000RM50,000RM100,000

📋 Loan Scheme

Shariah-compliant · Recommended · Lower cost

📅 Repayment Period

💼 Monthly Gross Income: RM 3,500

RM1,500RM15,000

⚡ Early Full Settlement?

Your PTPTN Repayment Breakdown

Monthly Instalment

RM 275.00

Ujrah scheme · 10 years

Total Repayable

RM 33,000

Total Ujrah

RM 3,000

Completion Year

2036

Ujrah vs Conv. Savings

RM 6,000

⚠️ Moderate — instalment is 5-8% of your income

Recommended range: RM175 – RM280/month (5-8% of gross income)

💡 How to Save on Your PTPTN Repayment

1. Settle within 12 months of graduation

Save RM3,000 in Ujrah fees (100% waived)

2. Convert to Ujrah scheme (if still on Conventional)

Save RM6,000 vs Conventional over 10 years

3. Use EPF Akaun Sejahtera to reduce principal

Paying off 50% (RM15,000) saves ~RM1,500 in charges

⚠️ 2026 Travel Restriction

PTPTN defaulters with more than 5 years of no payment AND income above RM6,000/month may face overseas travel ban. Stay on track with your repayments.

🎓 PTPTN Loan Calculator

Estimate how much loan you can get

🎓 CGPA Calculator

First Class Honours = Loan exempted

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PTPTN Ujrah vs Conventional: Full Comparison

Feature	Ujrah (1%)	Conventional (3%)
Rate per annum	1% flat	3% flat
Shariah-compliant	Yes	No
RM30K over 10 years — total charges	RM3,000	RM9,000
RM30K over 10 years — monthly	RM275	RM325
RM30K over 10 years — total repayable	RM33,000	RM39,000
Early settlement waiver	100% Ujrah waived (within 12 months)	No waiver
Available for new loans	Yes (current standard)	No (pre-2008 only)
Can convert to?	Already Ujrah	Yes — apply to convert

When Does PTPTN Repayment Start?

12 Months After Graduation

PTPTN gives you a 12-month grace period after completing your studies. During this time, no repayment is required. After this period, you'll receive a Jadual Bayaran Balik (JBB) detailing your monthly instalment.

💡 Pro Tip: Settle Within 12 Months

If you can settle the full loan within the 12-month grace period, PTPTN waives 100% of the Ujrah fee. You only pay back the original principal. For a RM30,000 loan over 10 years, that's RM3,000 saved.

PTPTN Travel Ban 2026 — What You Need to Know

Under the updated enforcement measures, PTPTN can impose an overseas travel restriction on borrowers who meet all of these criteria:

1. No repayment made for more than 5 consecutive years
2. Monthly income exceeds RM6,000
3. No approved restructuring or deferment in place

To avoid the travel ban, make at least minimum payments or apply for a loan restructuring if you're facing financial difficulties. Contact PTPTN at 03-2193 3000 or visit any PTPTN branch.

PTPTN Repayment Discount Incentives

Early Full Settlement

Settle within 12 months of graduation: 100% Ujrah waived

First Class Exemption

IPTA + CGPA ≥ 3.67 + B40/M40: 100% loan exempted

Salary Deduction

Auto-deducted from salary: never miss a payment, avoid penalties

Restructuring

Extend repayment period to reduce monthly instalment if struggling

How to Pay Your PTPTN Loan

myPTPTN App

Official app — make payments, check balance, download statements. Available on iOS and Android.

Salary Deduction

Apply through your employer or PTPTN. Amount auto-deducted monthly from your salary.

Direct Debit

Set up standing instruction with your bank for automatic monthly payments.

Online Banking / FPX

Pay through any Malaysian bank's online banking via the PTPTN portal.

EPF Akaun Sejahtera

Withdraw from EPF Account 2 to make lump sum payments toward your PTPTN principal.

PTPTN Counter / Agent

Pay at any PTPTN branch or authorised agent (BSN, Pos Malaysia, etc.).

Using EPF to Repay PTPTN — Is It Worth It?

EPF members can withdraw from Akaun Sejahtera (Account 2) to repay PTPTN. But should you?

✅ Pros

• Reduces principal immediately
• Lowers total Ujrah/interest charges
• Shortens repayment period

❌ Cons

• EPF earns ~5-6% dividends vs PTPTN's 1% Ujrah
• Reduces your retirement savings
• May not be the best financial move if on Ujrah

Verdict: If you're on the Conventional scheme (3%), using EPF makes sense since you save more than the EPF dividends. For Ujrah (1%), it's generally better to keep your money in EPF and make regular PTPTN payments instead.

What If You Can't Afford PTPTN Repayments?

1. Apply for restructuring

Extend your repayment period to reduce monthly instalments. Visit any PTPTN branch with supporting documents.

2. Request deferment

If you're unemployed, pursuing further studies, or facing hardship, you may qualify for temporary deferment.

3. Pay minimum amount

Even RM50/month shows good faith and prevents you from being classified as a defaulter.

4. Consolidate debts

If you have multiple debts, a personal loan at lower interest can consolidate everything into one payment.

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Frequently Asked Questions

How much is my PTPTN monthly repayment?▼

It depends on your total loan, scheme (Ujrah 1% or Conventional 3%), and repayment period. Use the calculator above for an instant estimate. PTPTN recommends 5-8% of your gross income.

What's the difference between Ujrah and Conventional?▼

Ujrah charges 1%/year (Shariah-compliant), Conventional charges 3%/year. On a RM30K loan over 10 years, Ujrah saves you RM6,000. All new loans are Ujrah; older borrowers can convert.

When do I start repaying?▼

12 months after graduation. Settle in full within this grace period to get 100% Ujrah fee waiver — only pay back the principal.

What happens if I don't repay?▼

After 5+ years of no payment with income > RM6,000/month: potential travel ban. You'll also be CCRIS/CTOS blacklisted, affecting all future loan and credit applications.

Can I use EPF to repay PTPTN?▼

Yes, withdraw from EPF Akaun Sejahtera. Best for Conventional scheme (3%) borrowers. For Ujrah (1%), keeping money in EPF earning 5-6% dividends is usually smarter.

Kalkulator Bayaran Balik PTPTN — Berapa Ansuran Bulanan Anda?

Kalkulator percuma untuk mengira ansuran bulanan PTPTN anda. Bandingkan skim Ujrah (1%) dan Konvensional (3%) untuk mengetahui jumlah bayaran balik sebenar.

Skim Ujrah vs Konvensional

• Ujrah (1%): Patuh Syariah · Kos lebih rendah · Standard semasa
• Konvensional (3%): Pinjaman lama sebelum 2008 · Kos lebih tinggi
• Perbezaan: RM30,000 selama 10 tahun — Ujrah jimat RM6,000

Cara Jimat Bayaran Balik

• Selesaikan dalam 12 bulan selepas tamat pengajian → 100% Ujrah dikecualikan
• Tukar ke skim Ujrah jika masih Konvensional
• Guna KWSP Akaun Sejahtera untuk kurangkan prinsipal
• Buat potongan gaji automatik — jangan terlepas bayaran

Amaran Larangan Perjalanan

Peminjam PTPTN yang tidak membuat sebarang bayaran selama 5+ tahun DAN pendapatan melebihi RM6,000/bulan mungkin dikenakan larangan perjalanan ke luar negara.

Penafian: Pengiraan ini adalah anggaran sahaja. Jadual bayaran balik sebenar (JBB) akan dijana oleh PTPTN berdasarkan rekod pinjaman anda. Sila log masuk ke myPTPTN untuk maklumat rasmi.

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