THE National Higher Education Fund Corporation (PTPTN) announced a 4.10% dividend distribution for the National Education Savings Scheme (Simpan SSPN) for the 2025 financial year – the highest in 11 years.
PTPTN chairman Datuk Seri Norliza Abdul Rahim said that it surpasses 2024’s payout of 4.05% and will benefit 6.07 million Simpan SSPN depositor accounts involving an estimated allocation of RM505.68mil.
This brings the total dividend payout to RM2.63bil since Simpan SSPN was introduced in 2004, which will be credited directly to the depositor’s account.
Depositors can check their savings statements for the dividend via the myPTPTN mobile app starting May 7.
Norliza shared that the increase reflects the success of efficient management, receiving the full support of Higher Education Minister Datuk Seri Dr Zambry Abd Kadir as a sign of confidence in the fund management’s sustainable and competitive performance.
Norliza added that the increase is also supported by short and long-term Syariah-compliant investment strategies in the local money market and sukuk that preserve principal, in addition to competitive return offers.
“Effective risk management strategies and strategic investment portfolio selection in long-term fixed deposits and sukuk have successfully increased investment returns,” said Norliza.
The dividend increase indicates a positive net investment return compared with the Overnight Policy Rate (OPR) set by Bank Negara, which remains at 2.75% throughout 2025.
In 2025, the total Simpan SSPN deposits received were RM3.33bil.
This amount shows an increase of RM154.10mil or 4.86% compared to the achievement in 2024, which was RM3.17bil.
In addition, more than 500,000 new account openings were also recorded last year. This brings the total deposits received until Dec 31, 2025 to RM23.88bil.
“This encouraging performance shows that depositors continue to place their trust in Simpan SSPN,” shared Norliza.
More than just savings
Simpan SSPN offers various privileges other than competitive dividend rates to boost your child’s future education funds.
It is the only savings product that provides income tax assessment relief on savings of up to RM8,000 per year.
Depositors will also benefit from free takaful protection, Matching Grant of up to RM10,000 for eligible families, as well as government-guaranteed and Syariah-compliant savings.
Under Budget 2025, the government has agreed to expand the Matching Grants eligibility for Simpan SSPN Prime for students pursuing higher education at institutions of higher learning to include families earning between RM4,000 and RM6,000 monthly through the Geran Padanan Ihsan (GAPAI) scheme for a period of two years.
Eligible depositors can now apply for a matching grant of up to RM5,000 per family.
Depositors also stand a chance to participate in PTPTN’s Cabutan Simpan SSPN 2026 Campaign that runs all year from Jan 1 to Dec 31 with a prize pool worth approximately RM1.4mil.
“I hope that this competitive dividend rate will continue to attract more new depositors to save in Simpan SSPN and increase the motivation of existing depositors to increase their savings,” shared Norliza.
“I am optimistic that Simpan SSPN will continue to remain superior as the community’s preferred education savings product for children’s higher education purposes.”
Visit PTPTN’s official portal www.ptptn.gov.my for information about Simpan SSPN, or the myPTPTN application for easier, faster and safer services.
