The withdrawal scheme allows EPF members to withdraw from their account II of the EPF Fund to pay tuition fees for their children or for themselves to pursue further studies at any local or overseas higher educational institution.
Withdrawals for a member’s children’s education were introduced on 1 April 2000 and for member’s education on 2 January 2001.
Applicant’s Eligibility
- Members are allowed to apply for withdrawal if they or their children are not receiving any full or partial scholarship/financial aid for education from any organisations.
- In the case where a member or their children obtains a study loan, withdrawal can be made to settle the outstanding balance of study loan only on further condition that the Study Loan Agreement is executed on or after the effective date of this Education Withdrawal.
Purpose of Withdrawal
Withdrawal can only be done for the following purposes:
- To make payment for tertiary study fees (which includes tuition, practical training, computer laboratory and library fees, thesis examination fees, and final examination fees), and
- Flight tickets for the purpose of travelling To the place of study
Conditions for Withdrawal of Fund
- Type of Courses
Applicants / or their children must have registered for any academic / professional / vocational courses at one of the institutions of higher learning mentioned below. - Levels of Education
This withdrawal can be used to pursue one of the following programmes:
Members : Diploma, Advanced Diploma, Bachelor’s Degree, Master’s Degree, PhD or any of the its equivalent
Member’s children : Bachelor’s Degree, Master’s Degree, PhD or any of its equivalent - Courses that are allowed under the EPF Withdrawal Scheme
- Overseas Higher Educational Institutions
Withdrawal is allowed for full-time study courses pursued abroad offered by overseas higher educational institutions, subject to the approved level of education. - Distance Learning and On-line Programmes with Higher Educational Institutions Abroad
Withdrawal is allowed for distance learning / online programmes that are conducted by overseas institutions in collaboration with local private institutions which are approved by the Ministry of Higher Education. Courses pursued directly with overseas institutions or through a local agent will not be considered. - Professional Courses
Professional courses approved by the Public Services Department (PSD) such as ACCA & CIMA and other approved courses which involve lecturer-student face to face learning interaction can also be considered under the withdrawal scheme. - Franchised Programmes
- Public universities’ franchised study programmes conducted by private higher educational institutions
- Overseas institutions’ franchised study courses conducted by local private higher educational institutions which have the approval of the Ministry of Higher Education
Types of Withdrawals
Members are allowed to apply for withdrawals to pay for:
- Tuition* fees which have not been paid to the institution of higher learning; or
- To reimburse the tuition fees which you have paid to the institution of higher learning based on the payment receipt issued by the institution, with the condition that the date of the application does not exceed one year from the date of the payment receipt; and you must still be pursuing the course concerned; or
- To pay for the outstanding tuition fees to the educational institution, subject to the effective date of this Education Withdrawal; or
- Outstanding education loans which was made with any organisation that are licensed under the Bank and Financial Institutions Act 1989 (BAFIA), Bank Rakyat, Jabatan Pendidikan Awam (JPA) or also known as Public Services Department (PSD), MARA, PTPTN, State Foundation, State Education Foundation or any licensed operative society registered with ‘Bahagian Pembangunan Koperasi’ provided the loan is made under your name or your child’s name or both. (*all fees charged by the institution including hostel fees as well as one-way air fare)
Amount Entitled for Withdrawal
Members may withdraw the maximum amount of the total fees or the entire amount in account II, whichever is lower.
Frequency of Withdrawal
- Members can apply for this withdrawal:
- every semester; or
- every academic year (one withdrawal per academic year); or
- the overall module fees
- You can apply for this withdrawal once every semester / academic year / entire module fees for every child.
- You can also apply for this withdrawal jointly with your spouse to finance your children’s education.
Mode of Payment
Basically, there are three modes of payment made by the EPF under this scheme.
- Payment is made to the local institution of higher learning through a banker’s cheque to the university concerned.
- Payment for reimbursement of tuition fees is directly credited into the member’s bank account. (For more information regarding direct payment to your bank account and the list of banks appointed by EPF, please refer to ‘Direct Crediting into Member’s Bank Account System’)
- Payment to settle the study loan is made through a banker’s cheque payable to the financial institution concerned.
Loan Application Procedure
- Withdrawal Form
Members are required to submit a duly completed Form KWSP 9H (AHL) which can be obtained from the nearest EPF counter. - Supporting Documents
This form must be submitted with the following original and photocopied documents: - Letter of Offer from the institution of higher learning (for first time applications only)
- Confirmation Letter (of enrolment) from the institution of higher learning for you or your child (for the first and subsequent applications in the same learning programme as stated in the Offer Letter)
- A copy of the EPF member’s identification card / military identification card or the following identification cards affixed with your right and left thumbprints:
- MyKad
- Police identification card and a letter from your employer confirming that the number and identification card number belongs to the same person
- Academic qualification certificates such as SPM, STPM, degree and other related qualifications
- Approval letter to conduct the course issued by the Private Education Department, Ministry of Higher Education (PEDMOHE) to the private institution of higher education, if applicable
- Student card and examination result slip from the previous semester / academic year
- Other related documents as requested by the EPF from time to time
In the case of Children’s Education Withdrawal Scheme, additional documents are needed. These include:
- A copy of your marriage certificate (if an application is made together with your spouse)
- A copy of your child’s identification card and birth certificate
- Reimbursement of Tuition Fees to Institutions
- For reimbursement of tuition fee, an application must be submitted within a year from the date the payment receipt of the tuition fees which is issued by the institution concerned
- For education loan repayments, a statement on the outstanding amount must be provided for such applications
Enquiries and Contact Details
For enquiries or further information on the withdrawal applications:
Customer Service Hotline: 03-8732 6000
E-mail: [email protected]
Website: www.kwsp.gov.my
or visit your nearest EPF office.