2025 paid 6.15% for both savings options, announced on 28 February 2026. This is not the 2026 financial-year rate.
Annual dividend table
Years below refer to the financial year earning the dividend. “Not announced” is not zero. “Not applicable” means the Shariah series was not available for that year; KWSP’s published Shariah dividend history begins in 2017. Read the two columns separately rather than filling earlier Shariah years with conventional rates.
Background source: KWSP — Dividend history and calculation
| Financial year | Conventional Savings | Shariah Savings |
|---|---|---|
| 2026 | Not announced | Not announced |
| 2025 | 6.15% | 6.15% |
| 2024 | 6.30% | 6.30% |
| 2023 | 5.50% | 5.40% |
| 2022 | 5.35% | 4.75% |
| 2021 | 6.10% | 5.65% |
| 2020 | 5.20% | 4.90% |
| 2019 | 5.45% | 5.00% |
| 2018 | 6.15% | 5.90% |
| 2017 | 6.90% | 6.40% |
| 2016 | 5.70% | Not applicable |
| 2015 | 6.40% | Not applicable |
| 2014 | 6.75% | Not applicable |
| 2013 | 6.35% | Not applicable |
| 2012 | 6.15% | Not applicable |
| 2011 | 6.00% | Not applicable |
| 2010 | 5.80% | Not applicable |
| 2009 | 5.65% | Not applicable |
| 2008 | 4.50% | Not applicable |
| 2007 | 5.80% | Not applicable |
| 2006 | 5.15% | Not applicable |
| 2005 | 5.00% | Not applicable |
| 2004 | 4.75% | Not applicable |
| 2003 | 4.50% | Not applicable |
| 2002 | 4.25% | Not applicable |
| 2001 | 5.00% | Not applicable |
| 2000 | 6.00% | Not applicable |
Why “announced in 2026” can cause confusion
KWSP announced the 2025 dividend on 28 February 2026 at 6.15% for both Conventional and Shariah Savings. A headline using the announcement date may therefore say “2026”, while the credited return relates to 2025. Always check the financial year in the official notice before using a rate in a comparison.
Background source: KWSP — 2025 dividend announcement, 28 February 2026
Why the balance times the rate may not match your statement
EPF uses its dividend calculation method based on balances and contribution or withdrawal timing. A simple RM10,000 × 6.15% gives RM615 only under a simplified full-year eligible-balance assumption. If money entered or left during the year, multiplying the final balance by the annual rate does not reproduce the actual dividend. Your i-Akaun statement is the record to reconcile against.
Background source: KWSP — Dividend history and calculation
History is useful, but it is not next year’s promise
Conventional Savings has a statutory minimum dividend of 2.5%; Shariah Savings is based on actual performance without that same minimum. Neither point turns the latest declared rate into a forecast. For planning, compare more than one assumed growth rate and label each as a scenario. Do not replace 2026’s pending value with an estimate in a historical table.
Background source: KWSP — Dividend history and calculation
Keep contributions separate from growth
Suppose an account starts with RM50,000, receives RM6,000 of new contributions and finishes at RM59,000 with no withdrawals or other adjustments. The RM9,000 increase is not all investment growth: RM6,000 was new money and RM3,000 is the remaining movement. This fictional reconciliation is not a calculation of EPF’s actual effective yield, which depends on timing.
Put it into practice
Enter contributions and an explicitly assumed return to explore a savings scenario. The calculator is a projection, not your official EPF dividend statement.
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Source and scope check · 19 October 2026
Rechecked the latest published row: 2025 is 6.15% for both savings types. The year of announcement is not the year earning the dividend. This check does not re-certify every historical row; check the linked official table before relying on a particular year.
This is an AI-assisted source comparison, not a professional review or a claim that the operator has approved every statement.