The Employees Provident Fund (EPF) has declared a dividend of 6.15 per cent for the financial year ending 31 December 2025 for both its Conventional and Shariah savings accounts — just slightly lower than the 6.3 per cent paid for 2024.
With this announcement, EPF’s total dividend payout for 2025 amounts to a substantial RM79.6 billion, benefiting millions of contributors nationwide.
📊 Dividend Breakdown & Context
- Dividend rate: 6.15 per cent for both Conventional and Shariah savings accounts.
- Total payout: RM79.6 billion to eligible contributors across Malaysia.
- The dividend rate is marginally lower than the 6.3 per cent declared for 2024 but remains strong relative to historical averages.
The dividend reflects EPF’s continued ability to generate returns amid fluctuating global financial markets and ongoing economic uncertainties. Analysts had anticipated a dividend range between 6.3 per cent and 6.5 per cent, making the declared rate a solid performance for contributors.
💡 What This Means for Contributors
For many EPF members, this dividend announcement directly impacts the growth of retirement savings:
- Retirement accounts: Dividends will be credited to members’ EPF accounts and reflected in annual statements.
- Wealth impact: A 6.15 per cent return on contributions helps cushion long-term savings against inflation and enhances retirement funds over time.
- Comparative performance: While slightly below the previous year’s rate, this dividend remains competitive compared to historical payouts — well above the minimum guaranteed rate and higher than many personal savings or fixed-income options.
🧠 How to Check Your Dividend
Once the dividend is declared, EPF contributors can check the credited amount via the EPF i-Akaun mobile app or the official member portal. Make sure to view the 2025 financial year in your statement to see the updated figures.
📌 In Summary
The EPF’s 6.15 per cent dividend and RM79.6 billion total payout demonstrates robust performance for 2025, providing meaningful returns to Malaysian savers and reinforcing the fund’s long-term role in retirement planning. While slightly lower than last year’s dividend, this outcome still represents a strong result amid global economic pressures.