PTPTN Repayment Calculator
PTPTN instalment = (principal + principal × 1% ujrah × years) ÷ months. A RM30,000 loan over 15 years carries RM4,500 ujrah and an instalment of RM 191.67 a month; over 20 years RM 150.00 a month. Repayment starts 12 months after you finish studying. Enter your loan below.
Your repayment
Monthly instalment
180 months · total RM 34,500.00 · ujrah RM 4,500.00
| Loan (principal) | RM 30,000.00 |
|---|---|
| Ujrah 1% a year | RM 4,500.00 |
| Total repaid | RM 34,500.00 |
| Monthly instalment | RM 191.67 |
| Settle in full now (principal balance) | RM 30,000.00 |
|---|---|
| Ujrah saved | RM 4,500.00 |
An estimate. The exact figures follow your repayment schedule (JBB) and account statement on the PTPTN portal.
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PTPTN instalment by loan amount
| Loan | 10 years | 15 years | 20 years |
|---|---|---|---|
| RM 10,000.00 | RM 91.67 | RM 63.89 | RM 50.00 |
| RM 20,000.00 | RM 183.33 | RM 127.78 | RM 100.00 |
| RM 30,000.00 | RM 275.00 | RM 191.67 | RM 150.00 |
| RM 40,000.00 | RM 366.67 | RM 255.56 | RM 200.00 |
| RM 50,000.00 | RM 458.33 | RM 319.44 | RM 250.00 |
| RM 70,000.00 | RM 641.67 | RM 447.22 | RM 350.00 |
| RM 100,000.00 | RM 916.67 | RM 638.89 | RM 500.00 |
How the PTPTN instalment is worked out
- Ujrah = principal × 1% × period (years). No compounding.
- Total repaid = principal + ujrah.
- Monthly instalment = total repaid ÷ (years × 12).
- Full settlement: the principal balance only, because ujrah is charged up to the current month.
Example: RM30,000 × 1% × 15 = RM4,500 ujrah; RM34,500 ÷ 180 months = RM191.67 a month.
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PTPTN repayment rules
- Start: 12 months after the loan ends, without waiting for a notice. Ujrah starts in the 13th month.
- Discounts: no repayment discount under Budget 2026.
- Restructuring: the period can be extended to age 60 with a minimum instalment of about 5–8% of gross income, subject to approval.
- Salary deduction: employers can deduct instalments straight from salary; check your statement every year.
Sources
- PTPTN official portal: repayment
- PTPTN: what you must know about repayment
- RinggitPlus: PTPTN repayment guide
Disclaimer: An estimate only. Your PTPTN repayment schedule (JBB) is the official reference for the instalment and period.
Frequently asked questions
How is PTPTN repayment calculated?
Work out the ujrah as principal × 1% × the period in years, add it to the principal, then divide by the number of months. A RM30,000 loan over 15 years: RM4,500 ujrah, RM34,500 in total, RM191.67 a month.
What is the PTPTN instalment for RM30,000?
RM191.67 a month over 15 years (RM4,500 ujrah), or RM 150.00 a month over 20 years (RM6,000 ujrah). A longer period lowers the instalment but adds ujrah.
When does PTPTN repayment start?
Repayment starts 12 months after the loan ends, that is after you finish studying, without waiting for a notice from PTPTN. Monthly ujrah is charged from the 13th month; paying early within those 12 months carries no ujrah.
How much do I save by settling PTPTN early?
Full settlement only charges ujrah up to the current month, so the remaining future ujrah is not payable. For RM30,000 over 15 years, after 5 years of payments the principal balance is RM 20,000.00 and you save RM 3,000.00 of ujrah.
Is there a PTPTN repayment discount in 2026?
No. PTPTN has stated there is no repayment discount under Budget 2026. The earlier 10% to 20% discounts were time-limited campaigns that have ended.
Can I lower my PTPTN instalment?
Yes, through restructuring the period can be extended to age 60 with a minimum instalment of about 5% to 8% of gross income, subject to PTPTN's approval. The 1% a year ujrah applies for the extended period.
What is PTPTN ujrah?
Ujrah is a 1% a year service charge (fee) under Shariah principles, replacing conventional interest. It is worked out on the principal for the repayment period and does not compound.
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