How it's calculated
Total Ujrah = balance × 1% × years. We add that to your balance and divide across the repayment months. Your official myPTPTN schedule may also include account-specific adjustments.
PTPTN Repayment Calculator Malaysia
Estimate your monthly PTPTN repayment and total Ujrah using the official balance-based standard term or a custom restructured term.
Rates basis: Estimate
Your loan
Monthly repayment
RM 255.56
PTPTN standard schedule · 180 months
Monthly repayment: RM 255.56
- Total Ujrah (1%/yr)
- RM 6,000.00
- Total to repay
- RM 46,000.00
- Settle in full today
- RM 40,000.00
- Saved by settling
- RM 6,000.00
PTPTN applies 1% annual flat Ujrah. Standard terms are 5, 10, 15 or 20 years by principal band; restructuring and your official myPTPTN schedule may differ.
Example scenarios
RM40,000 standard schedule
The official RM22,001–RM50,000 band uses 15 years.
≈ RM256 / month
RM20,000 standard schedule
The official RM10,001–RM22,000 band uses 10 years.
≈ RM183 / month
Understanding the numbers
How the figures above are worked out — the rules, rates and reasoning behind every line.
Estimates only. Results are for planning purposes and may differ from official figures. Confirm against the relevant authority before making financial decisions.
Repaying your PTPTN loan
PTPTN charges a 1% per-year flat Ujrah (service fee), rather than compound interest. The standard repayment term is 5, 10, 15 or 20 years depending on the Ujrah principal.
Frequently asked questions
Does PTPTN charge interest?
PTPTN charges a 1% yearly Ujrah (an administrative fee) on the loan, not compound interest, making it much cheaper than a typical loan.
Formula governance
- Formula version
- Ujrah 1% + official tenure bands
- Effective date
- Current PTPTN schedule
- Government source
- PTPTN
- Last updated
- 24 Jul 2026