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EPF⚡ Visual story

EPF Simpanan Shariah Zakat: What Gets Deducted From Your Dividend

The zakat cut hits Simpanan Shariah dividends only. Your regular EPF accounts are untouched.

Ringgit2U · 6 cards · 2 min read
Visual story explaining the new EPF Simpanan Shariah zakat deduction from dividends, showing what changes and what stays the same.
ENBM中文
  1. A close-up of a financial statement with a deduction highlighted
    01/06

    Your EPF dividend just got a new cut.

    EPF now deducts zakat directly from Simpanan Shariah dividends. If you use that pool, your take-home dividend changes from the next payout.

    Photo: CC0 via Openverse
  2. 02/06Photo: CC0 via Openverse
    Two separate jars sitting side by side, one distinctly different
    People say

    “EPF is one pot, so zakat comes off everything.”

    The rule says

    Zakat deduction is limited to Simpanan Shariah dividends only.

    Zakat hits every EPF account. No. The deduction applies only to Simpanan Shariah dividends. Your regular EPF savings in Akaun Persaraan, Sejahtera and Fleksibel are untouched.

  3. 03/06

    Before vs after the new facility.

    BeforeYou calculated and paid zakat yourself
    NowEPF deducts it from the dividend automatically

    You no longer calculate and pay zakat yourself. EPF handles it at the source.

  4. 04/06

    Simpanan Shariah is not your regular EPF.

    It is a separate shariah-compliant savings pool. The exact deduction rate and how it appears on your statement are on kwsp.gov.my.

  5. 05/06

    Who this actually affects.

    1. You hold Simpanan Shariah (not just regular EPF)
    2. The cut is from dividends, not your contributions
    3. Regular EPF accounts: no change

    Three checks before you worry:

  6. Bottom line06/06

    One new line on your EPF statement.

    If you use Simpanan Shariah, expect a smaller dividend from the next payout. The rest of your EPF is the same as always.

Questions people ask

Does EPF zakat deduction apply to all my EPF accounts?

No. The Simpanan Shariah Business Zakat facility deducts only from Simpanan Shariah dividends. Akaun Persaraan, Akaun Sejahtera and Akaun Fleksibel are not affected.

Do I still need to calculate and pay zakat on Simpanan Shariah myself?

No. EPF now handles the deduction at the source, directly from the dividend. You no longer need to calculate and pay it separately.

Where do I find the exact zakat deduction rate?

Check kwsp.gov.my for the full details on the Simpanan Shariah Business Zakat facility, including the rate and how it shows on your statement.

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