PTPTN repayment calculator

Loans under the ujrah system carry a fee (ujrah) of 1% a year at a flat rate on the principal of your repayment schedule, so total ujrah = principal × 1% × years. Your monthly instalment is worked the way PTPTN's own online calculator does it: the principal and the ujrah are each divided by the number of months and rounded to the sen, and the last instalment is what is left. PTPTN's FAQ example rounds the total instead, so it can be a sen higher: for a RM19,432 loan over 10 years its FAQ shows RM178.13 a month, while its online calculator, which we follow, shows RM178.12. Check the schedule in myPTPTN for the exact amount. For example, RM30,000 over 10 years costs RM3,000 in ujrah and RM275.00 a month. This calculator follows the formula and worked example on PTPTN's own repayment page, and it is for Ujrah loans only.

Source: PTPTN, Bayaran Balik; PTPTN's online Ujrah calculator. Checked 11 October 2026.

Enter the principal your repayment schedule started from (the amount financed), not what you owe today. PTPTN fixes the flat ujrah on that principal, so the monthly ujrah and your instalment stay the same while the balance falls: a RM30,000 schedule over 10 years is RM275.00 a month throughout. Entering a balance part-way through, such as RM15,000 for the last 5 years of that schedule, would show RM262.50 and understate what you pay. If you converted from a conventional loan to an Ujrah loan or restructured, use your balance on that date.

Source: PTPTN, Bayaran Balik; PTPTN's online Ujrah calculator. Checked 11 October 2026.

Ujrah is the fee PTPTN applies instead of conventional interest, in line with Shariah principles. On an ujrah loan it is 1% a year at a flat rate on the principal, not charged on the reducing balance, and PTPTN charges it monthly from the 13th month after your loan period ends. Old conventional loans that have not been converted are charged 3% or 5% on the reducing balance instead; this calculator does not cover them.

Source: PTPTN, Bayaran Balik. Checked 11 October 2026.

There is no standing discount for settling early, so this calculator applies none. Because ujrah is charged only until the date you settle in full, settling early does save ujrah. Past settlement discounts were funded by the government for set periods and have all ended; the last closed on 31 March 2024. Budget 2027 proposes a 10% discount for borrowers with no arrears who repay regularly; it is not in force and PTPTN has not published how it will work. Some groups have their own reductions or waivers, such as Sarawakians who qualify for the Sarawak government's 30% reduction, and first-class degree holders from B40 and M40 households at public universities, who qualify for a waiver. Check what applies to you with PTPTN before making a lump-sum payment.

Source: PTPTN, Bayaran Balik; PTPTN, Soalan Lazim; PTPTN media release, 18 March 2024 (last settlement discount, to 31 March 2024); Budget 2027 measures summary, MOF, pages 26-27. Checked 11 October 2026.

There is no single answer, and the comparison has to be like with like. PTPTN's 1% a year is charged flat: on the original amount for the whole term, so it costs more than a 1% charge on a falling balance would, and it is not the same basis as the return a deposit or investment quotes, which is a rate on the balance you hold. Work out what your spare cash would earn and compare it with what PTPTN is actually charging you, on the same basis, before you choose to invest instead of settling. PTPTN says ujrah is charged only until the date you settle in full, so settling early cuts the ujrah you pay; check the exact settlement figure with PTPTN first. Clearing debt also has real peace-of-mind value.

Source: PTPTN, Bayaran Balik. Checked 11 October 2026.

PTPTN says you should start repaying after 12 months from the end of your loan (from the 13th month), without waiting for a repayment notice. Ujrah is charged monthly from the 13th month; if you pay earlier, no ujrah is charged for those first 12 months. Your own start date is set by your loan agreement and shown in myPTPTN, so check it there.

Source: PTPTN, Bayaran Balik; PTPTN, Soalan Lazim. Checked 11 October 2026.

Your repayment schedule (Jadual Bayaran Balik) is in myPTPTN, behind your own login: open the official myPTPTN app, or type the PTPTN address into your browser yourself. theringgit cannot see your account, and we never ask for your IC number, bank details, OTP or login.

Source: PTPTN, Bayaran Balik. Checked 11 October 2026.

PTPTN lists these ways to pay: the myPTPTN app (menu Perkhidmatan, then Bayaran Balik Pinjaman) and online banking (FPX) through the official PTPTN portal; JomPAY from your bank's app, using the biller code and reference from PTPTN's own payment-channel page; salary deduction or direct debit; PTPTN counters and agent counters at Bank Islam, Bank Rakyat, Pos Malaysia and BSN; cash at PayQuik kiosks, Razer Cash at 7-Eleven and e-Pay outlets; e-wallets PTPTN lists, such as Boost, Touch 'n Go eWallet and Shopee; and EPF Account 2 withdrawal, under EPF's own rules. Some channels charge a small fee (RM0.50 to RM2.00). Keep every receipt, and never pay into a personal account number sent to you in a message.

Source: PTPTN, Saluran Bayaran Balik; PTPTN, Bayaran Balik. Checked 11 October 2026.

If you have an Ujrah loan and are not working or are studying full time, you can apply in myPTPTN to defer repayment: for unemployment, 6 months at a time and up to 24 months in all, with a detailed EPF statement and a statutory declaration. No ujrah is charged during an approved deferment, but you are still listed in CCRIS. Conventional loans must be converted to Ujrah first. If you have no income, PTPTN also offers a one-time 6-month pause in enforcement. PTPTN has no standing low-income deferment; Budget 2027 proposes one for 2027 for borrowers earning up to RM2,500 a month, not yet in force. Apply before you miss a payment.

Source: PTPTN, Bayaran Balik; PTPTN, Soalan Lazim; Budget 2027 measures summary, MOF, pages 26-27. Checked 11 October 2026.

PTPTN lists every borrower whose repayment is due in CCRIS, Bank Negara's credit database, so missed instalments show on your record (the last 12 months) and can make banks less willing to lend. If arrears continue, PTPTN sends three reminders, then a notice of demand, and can file a summons and pass your account to a debt-collection agency. Under section 22A of the PTPTN Act 1997 it can ask Immigration to stop a borrower in arrears leaving Malaysia; since January 2026 it has applied travel restrictions to borrowers with arrears who have been behind for more than 5 years and can afford to pay, who have a court judgment against them, or who work abroad. Under section 29 an employer must deduct the monthly repayment from salary once PTPTN or LHDN notifies it in writing, and under section 35 PTPTN can appoint agents, including lawyers.

Source: Act 566, PTPTN Act 1997 (PTPTN's own copy); PTPTN, Soalan Lazim; PTPTN, Bayaran Balik. Checked 11 October 2026.

Act before you miss the payment. If you are not working, apply for deferment (above). If you are working but cannot afford the instalment, ask PTPTN in myPTPTN to restructure: it can lower the instalment and stretch the period up to age 60, with a new minimum of roughly 5% to 8% of your gross income. The first restructuring is free; later ones cost RM50, RM100, RM150, then RM200, and if you have arrears you must first pay part of them. You can also call the PTPTN Careline on 03-2193 3000 (Monday to Friday, 9am to 5pm). Do not pay anyone who offers to clear or reduce your PTPTN for a fee.

Source: PTPTN, Bayaran Balik; PTPTN, Soalan Lazim. Checked 11 October 2026.