The Employees Provident Fund (EPF) today (February 28) announced a 6.15 per cent dividend for the 2025 financial year for both conventional and Shariah savings accounts.
The rate is slightly lower than the 6.3% declared for 2024. In total, EPF will distribute RM79.6 billion to its millions of contributors nationwide, with RM67.1 billion going to conventional accounts and RM12.5 billion to Shariah accounts, according to its official website.
Earlier, there were calls for the EPF dividend to be credited to the Flexible Account, also known as Account 3. The issue was also raised in Parliament by politician Shahidan Kassim, who suggested that the funds could help contributors prepare for the upcoming Hari Raya celebrations.
“I got 40 sen.”
Account 3 was introduced in April 2024 and allows contributors to withdraw funds anytime they need. Today, although many expected the dividend not to be fully channelled into Account 3, people were still disappointed to learn that the 6.15% dividend was not allocated there in full.
“We barely have money in Account 3. For those who are unemployed, how do you expect them to have anything in Account 3?”
A user commented, “What do you expect me to get with 30 sen in Account 3?”
“If I have 0 in my Account 3, how do I expect to receive part of the dividend in that account?”
Here’s how the dividend works
Dividends are computed based on members’ daily savings throughout the year. This means the amount you receive depends on how much money you had in your accounts and for how long. The dividend is allocated proportionally among Account 1 (Retirement), Account 2 (Sejahtera), and Account 3 (Flexible), according to your savings composition.
Once credited, the dividend becomes part of your principal savings and will continue earning returns in the following years.
EPF CEO Ahmad Zulqarnain Onn also highlighted that the fund achieved RM82.7 billion in total distributable income for the year ending December 31, 2025 — a 9.5% increase from the previous year. Investment assets grew by 12.8% to RM1.41 trillion, driven largely by strong portfolio income and net contributions.
Also read: M’sians Are Withdrawing from Their EPF Account 3 to Support Their Luxury Lifestyles
