{"id":18463,"date":"2019-03-20T20:00:00","date_gmt":"2019-03-20T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/ptptn-pgb-loan-repayment.html"},"modified":"2026-03-27T13:00:43","modified_gmt":"2026-03-27T05:00:43","slug":"ptptn-pgb-loan-repayment","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/loans\/ptptn-pgb-loan-repayment.html","title":{"rendered":"PTPTN PGB – What’s That? Loan Repayment, That’s What."},"content":{"rendered":"\n

 <\/p>\n

PTPTN borrowers will soon have to repay their loans in specific amounts depending on their monthly income by automatic deduction – whether they like it or not. PTPTN will be working with several different agencies such as EPF to carry out the PGB, Potongan Gaji Berjadual<\/i>. Want to know how much you’ll have to repay? Read on to find out.<\/p>\n

<\/p>\n

Wan Saiful Wan Jan, chairman of PTPTN, said that PTPTN will be moving forward with the salary deduction scheme for PTPTN repayment with PGB, Potongan Gaji Berjadual<\/em>. This is inline with the announcement by Finance Minister Lim Guan Eng in the 2019 Budget<\/a>.<\/p>\n

\n

“Fair as it ensures that those not earning as much will not feel burdened while the rich will not be able to take advantage.” – Wan Saiful Wan Jan on the PGB scheme.<\/p>\n<\/blockquote>\n

PGB deductions will work very much like the current PCB (Potongoan Cukai Berjadual<\/em>) deductions for income tax. Employers will automatically deduct the loan repayment amount from an income. Employers who help to repay their staff’s PTPTN loans via the PGB scheme will also be able to enjoy tax relief for the amount paid. The scheme will begin in January 2019.<\/p>\n

Income information of the borrowers will be obtained through cooperation with other agencies such as EPF and the Immigration Department. Employer information will be obtained in the same way too.<\/p>\n

PTPTN PGB Rates<\/h2>\n

The scheme will see the following deductions (by percentage) according to the monthly income:<\/p>\n

    \n
  • RM2,000 and below = 0%<\/li>\n
  • RM2,001 to RM2,499 = 2% (RM40 – RM49.99)<\/li>\n
  • RM2,500 to RM2,999 = 3% (RM75 – RM89.99)<\/li>\n
  • RM3,000 to RM3,999 = 5% (RM150 – RM199.99)<\/li>\n
  • RM4,000 to RM5,999 = 8% (RM320  – RM479.99)<\/li>\n
  • RM6,000 to RM7,999 = 10% ( RM600 to RM799.99)<\/li>\n
  • RM8,000 and above = 15% (RM1,200 and above<\/li>\n<\/ul>\n

    PTPTN Repayment Exemption<\/h2>\n

    There will, of course, be exemptions to the repayment. Students can be exempted from the loan repayment, provided they fulfill the following requirements:<\/p>\n

      \n
    • Obtain first-class honours<\/li>\n
    • Complete their studies in 2019<\/li>\n
    • Full-time students<\/li>\n
    • Complete studies within the given time frame<\/li>\n
    • From B40 and M40 households after study completion<\/li>\n<\/ul>\n

      Senior citizens earning between RM2,000 to RM4,000 and have consistently been paying their loans for three years before they reach the age of 60 will have their loan balance waived.<\/p>\n

      As it stands currently, there is a total of 1.4 million PTPTN borrowers who have not made repayments (that’s a lot!). 225,000 borrowers, on the other hand, are earning below RM2,000 and will be exempted from repayment.<\/p>\n

      Will this be a good move to have PTPTN borrowers repay their dues?<\/p>\n

      Information sourced from New Straits Times.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

        PTPTN borrowers will soon have to repay their loans in specific amounts depending on their monthly income by automatic deduction – whether they like it or not. PTPTN will be working with several different agencies such as EPF to carry out the PGB, Potongan Gaji Berjadual. Want to know how much you’ll have to…<\/p>\n","protected":false},"author":268230141,"featured_media":60306,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[420],"tags":[],"class_list":["post-18463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loans"],"yoast_head":"\nPTPTN PGB - What's That? 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Familiar with those phrases? Chances are, you have used it yourself, or have heard your friends or family using it. Read on to find out the common money mistakes Malaysians made in 2018.\u00a0 I'll Get It! Whether it is\u2026","rel":"","context":"In "Money Tips"","block_context":{"text":"Money Tips","link":"https:\/\/www.comparehero.my\/blog\/money-tips"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-8.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-8.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-8.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/image-8.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18694,"url":"https:\/\/www.comparehero.my\/blog\/loans\/what-happens-dont-pay-ptptn.html","url_meta":{"origin":18463,"position":1},"title":"What Happens If You Don’t Pay Your PTPTN loan","author":"CompareHero","date":"10 February 2022","format":false,"excerpt":"\u00a0 Have you been taking your PTPTN loan repayments too lightly? PTPTN Deputy Chief Executive Officer, Mastura Mohd Khalid tells us what can happen if you don\u2019t make prompt repayments and how to get help if you are having difficulties making the repayments. PTPTN requires about RM5 billion each year\u2026","rel":"","context":"In "Loans"","block_context":{"text":"Loans","link":"https:\/\/www.comparehero.my\/blog\/loans"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/generic_1-03.png?fit=1200%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/generic_1-03.png?fit=1200%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/generic_1-03.png?fit=1200%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/generic_1-03.png?fit=1200%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/generic_1-03.png?fit=1200%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17509,"url":"https:\/\/www.comparehero.my\/blog\/government-budget\/budget2023-get-ptptn-repayment-discounts-of-up-to-20.html","url_meta":{"origin":18463,"position":2},"title":"#Budget2023: PTPTN Repayment Discounts Of Up To 20%","author":"CompareHero","date":"11 October 2022","format":false,"excerpt":"If you\u2019ve yet to make repayments on your PTPTN, this news is for you because PTPTN repayment discounts will be offered to borrowers once again!\u00a0 During the Budget 2023, Finance Minister Tengku Seri Zafrul Abdul Aziz said the discount for repayments is set to begin from November 1, 2022 to\u2026","rel":"","context":"In "Government Budget"","block_context":{"text":"Government Budget","link":"https:\/\/www.comparehero.my\/blog\/government-budget"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_bajet2023.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_bajet2023.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_bajet2023.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_bajet2023.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_bajet2023.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":17953,"url":"https:\/\/www.comparehero.my\/blog\/government-budget\/budget-2023-20-discount-on-ptptn-repayments-6-month-loan-moratorium.html","url_meta":{"origin":18463,"position":3},"title":"Budget 2023: 20% Discount On PTPTN Repayments, 6 Months Loan Moratorium","author":"CompareHero","date":"27 February 2023","format":false,"excerpt":"#ICYMI National Higher Education Fund Corporation (PTPTN) borrowers, who are earning less than RM1,800 per month will be eligible for a 6-month loan moratorium.\u00a0 \u00a0 Not only that, Finance Minister, Datuk Seri Anwar Ibrahim has also announced that the government would allow a 20% discount on PTPTN loan repayments for\u2026","rel":"","context":"In "Government Budget"","block_context":{"text":"Government Budget","link":"https:\/\/www.comparehero.my\/blog\/government-budget"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_budget2023-01.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_budget2023-01.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_budget2023-01.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_budget2023-01.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_budget2023-01.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18747,"url":"https:\/\/www.comparehero.my\/blog\/government-policy\/ptptn-loan-repayment-first-class-degr.html","url_meta":{"origin":18463,"position":4},"title":"You Can Get A 100% Exemption From Your PTPTN Loan If You Have A First Class Degree","author":"CompareHero","date":"27 September 2021","format":false,"excerpt":"If you\u2019re a student who\u2019s about to graduate, one of your biggest concerns would be your student debts\/loans, if there are any. Ideally, once you start working, you\u2019d like to clear off your loans bit by bit. But education isn't cheap, and paying your loans off can take a while.\u00a0\u2026","rel":"","context":"In "Government Policy"","block_context":{"text":"Government Policy","link":"https:\/\/www.comparehero.my\/blog\/government-policy"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/ptptn-loan-repayment-first-class-degree-featured-image.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/ptptn-loan-repayment-first-class-degree-featured-image.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/ptptn-loan-repayment-first-class-degree-featured-image.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/ptptn-loan-repayment-first-class-degree-featured-image.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/ptptn-loan-repayment-first-class-degree-featured-image.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":3632,"url":"https:\/\/www.comparehero.my\/blog\/money-tips\/5-things-students-need-to-know-ptptn-2.html","url_meta":{"origin":18463,"position":5},"title":"5 Things Students Need To Know About PTPTN","author":"CompareHero","date":"26 November 2015","format":false,"excerpt":"The National Higher Education Fund Corporation (PTPTN) is popular among Malaysians as a way to save even more money if you're enrolled in public university (which tution fees are already among the cheapest in the world!). PTPTN also provides and manages funds for private tertiary education purposes in Malaysia for\u2026","rel":"","context":"In "Money Tips"","block_context":{"text":"Money Tips","link":"https:\/\/www.comparehero.my\/blog\/money-tips"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/11\/student.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/11\/student.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/11\/student.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2015\/11\/student.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2019\/03\/students.png?fit=1024%2C768&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18463","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=18463"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18463\/revisions"}],"predecessor-version":[{"id":58222,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18463\/revisions\/58222"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/60306"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=18463"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=18463"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=18463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}