The EPF dividend 2026 rate is 6.15% for both Simpanan Konvensional and Simpanan Shariah, announced on 28 February 2026 and credited on 1 March 2026. Total payout: RM79.6 billion. You can check your credited dividend via i-Akaun online or the KWSP mobile app — no application needed.
The KWSP dividend 2026 announcement is something many Malaysians look forward to each year. As your EPF savings grow through annual dividends, it's important to know how to check your latest returns and understand your available EPF withdrawal options. Here's a quick guide to help you stay informed and in control of your retirement savings.
The KWSP (EPF) dividend is the annual return credited to your retirement savings, based on EPF's investment performance for the year. For the 2025 financial year, EPF declared 6.15% for both Simpanan Konvensional and Simpanan Shariah — one of the strongest rates in recent years.
The KWSP dividend is the annual return credited to your EPF savings. It is calculated based on EPF's yearly investment performance and distributed to members' accounts automatically — you don't need to apply for it.
The dividend rate is declared as a percentage of your total EPF savings. Your balance in each account (Akaun Persaraan, Akaun Sejahtera, Akaun Fleksibel) earns dividends individually based on that account's balance.
For example, at 6.15%: if your total EPF savings are RM50,000, your dividend is approximately RM3,075. If your savings are RM100,000, that's RM6,150 — tax-free, credited automatically.
The EPF dividend is usually announced in the first quarter of the year. For 2026, it was announced on 28 February 2026 and credited automatically on 1 March 2026. You don't need to do anything — it will appear in your EPF statement under the relevant financial year.
EPF officially declared a 6.15% dividend for both Simpanan Konvensional and Simpanan Shariah on 28 February 2026, with a total payout of RM79.6 billion. Total investment assets reached RM1,409 billion — up 12.8% year-on-year. Dividends were credited on 1 March 2026.
EPF's total distributable income for 2025 reached RM82.7 billion — up 9.5% from the previous year. Investment assets grew to RM1,409 billion, driven by strong equity markets and a well-diversified portfolio. Both domestic and global investments contributed roughly equally to total income.
For context, here's how the 2026 announcement compares to previous years:
| Financial year | Conventional | Shariah |
|---|---|---|
| 2025 (announced 2026) | 6.15% | 6.15% |
| 2024 (announced 2025) | 6.30% | 6.30% |
| 2023 (announced 2024) | 5.50% | 5.40% |
| 2022 (announced 2023) | 5.35% | 4.75% |
| 2021 (announced 2022) | 6.10% | 5.65% |
| 2020 (announced 2021) | 5.20% | 4.90% |
The fastest way to check your EPF dividend is via i-Akaun — either the KWSP mobile app or web portal at kwsp.gov.my. Log in, go to your Member Statement, and select the 2025 financial year. Note: dividends announced in 2026 appear under the 2025 statement, not 2026.
Checking your EPF dividend is straightforward. Here are the three main ways to do it.
The fastest method is through i-Akaun on the KWSP website:
⚠️ Important: dividends announced in 2026 are for the 2025 financial year — they appear in your 2025 statement, not your 2026 statement. Don't be confused if you don't see it under the current year.
Since the EPF account restructuring, contributions are split across three accounts: Akaun Persaraan (75%, retirement-locked), Akaun Sejahtera (15%, specific withdrawals), and Akaun Fleksibel (10%, flexible withdrawals). Dividends are credited to each account separately, based on the balance in that account.
| Account | Split | Purpose | Withdrawal |
|---|---|---|---|
| Akaun Persaraan (formerly Acc 1) | 75% | Retirement savings | Age 55+ |
| Akaun Sejahtera (formerly Acc 2) | 15% | Housing, education, medical, Hajj | Specific purposes |
| Akaun Fleksibel | 10% | Short-term liquidity | Anytime (via i-Akaun) |
Dividends are credited to each account based on that account's balance. This means keeping more in Akaun Persaraan benefits you more from compounding over time.
EPF members can withdraw savings based on age (partial at 50, full at 55 or 60), or for specific purposes like housing, education, medical expenses, or Hajj. Akaun Fleksibel can be withdrawn at any time via i-Akaun. All withdrawals and dividends are fully tax-exempt.
Understanding EPF withdrawal options is just as important as tracking your dividend growth.
| Age | Withdrawal option | Account |
|---|---|---|
| Any age | Flexible withdrawal anytime | Akaun Fleksibel only |
| 50 | Partial withdrawal of savings | Akaun Sejahtera |
| 55 | Full withdrawal or keep earning dividends | All accounts |
| 60 | Full retirement savings withdrawal | All accounts |
Each category has its own eligibility criteria and required documents. Check the full list at kwsp.gov.my.
Processing times vary by category. Before withdrawing, consider how it affects your future dividend earnings — every RM withdrawn reduces your compounding base.
To grow your EPF savings faster: avoid unnecessary withdrawals, consider voluntary top-ups (up to RM100,000/year), and let compounding work over time. EPF dividends are tax-exempt and have consistently beaten inflation, making it one of Malaysia's best low-risk savings tools.
The EPF dividend rate for 2026 (covering the 2025 financial year) is 6.15% for both Simpanan Konvensional and Simpanan Shariah. It was officially announced on 28 February 2026 and credited to members' accounts on 1 March 2026. Total payout was RM79.6 billion.
Log in to i-Akaun at kwsp.gov.my or via the KWSP mobile app. Go to Member Statement, then select the 2025 financial year. The dividend will appear as a credited transaction. Remember — dividends announced in 2026 appear in your 2025 statement, not 2026.
No. There is no provision under the EPF Act 1991 that allows dividend-only withdrawal. Dividends are credited directly into your EPF accounts and can only be accessed as part of your total savings when you are eligible to withdraw (e.g., at age 55, or through specific purpose withdrawals).
No — EPF dividends and withdrawals are fully tax-exempt in Malaysia. Your EPF contributions (up to RM4,000/year) also qualify for personal income tax relief, making EPF one of the most tax-efficient savings vehicles available.
Any withdrawal reduces your account balance, which directly reduces the dividend amount you receive for that year and all future years (since dividends are based on your daily balance). EPF advises members to only withdraw for genuine needs and to prioritise keeping savings intact for retirement.
The KWSP dividend 2026 is more than just a yearly announcement — it's a key indicator of how your retirement savings are growing. By knowing how to check your EPF dividend, understanding how your three accounts work, and being smart about withdrawals, you can make better decisions about your financial future.
The 6.15% rate for 2025 confirms EPF remains one of Malaysia's most reliable and high-returning savings vehicles — fully tax-exempt, automatically credited, and compounding year after year.
As more financial services move online, having fast and stable connectivity makes it easier to manage your EPF savings anytime, anywhere — whether you're checking i-Akaun, reviewing your statement, or topping up voluntarily. CelcomDigi keeps you connected to what matters most.
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