i-Saraan 2026: Bigger EPF Incentives For The Self-Employed

By Lara Kramer  •  02 Jul 2026 in News

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The Employees Provident Fund (EPF) has introduced enhanced incentives under its i-Saraan 2026 programme, aimed at encouraging self-employed individuals and gig economy workers to save for retirement.

Under the updated scheme, the Malaysian government will provide a special incentive of 20% on voluntary contributions made through i-Saraan, with a maximum incentive of RM500 per year and a lifetime cap of RM5,000.

In addition, a new initiative known as i-Saraan Plus has been introduced specifically for e-hailing and p-hailing workers. Eligible participants under this category can receive higher government incentives of up to RM600 annually, with a lifetime maximum of RM6,000.

i-Saraan 2026: Eligibility and Benefits

The i-Saraan programme is open to Malaysian citizens who are EPF members, under the age of 60, and either self-employed or without a fixed monthly income. This includes individuals working within the gig economy sector.

Beyond government incentives, participants can also enjoy annual EPF dividends, death benefit assistance, and tax relief, subject to the terms and conditions set by the Inland Revenue Board of Malaysia (LHDN).

Registration and Further Information

Individuals who wish to register or check their contribution status can do so via the official EPF channels:

• Official i-Saraan registration and information portal: Portal Rasmi i-Saraan KWSP

• Information for e-hailing and p-hailing workers: i-Saraan Plus KWSP

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