Financial Assistance (Local)

Financial Assistance

1. Criteria for PTPTN Loan


  • Citizen of Malaysia
  • Does not exceed 45 years of age on the date of application;
  • Been offered a place at IPTA/ IPTS and Polytechnic by fulfilling entry requirements determined by the Ministry of Education and Malaysian Qualifications Agency (MQA);
  • Programme pursued must have registration approval from the Ministry of Education;
  • For IPTS students, programme pursued must have the Certificate of Accreditation from the MQA and still valid on the date of application;
  • For a student who has other qualifications, verification must be obtained from the department or agency as stated above;
  • Remaining period of study at time of the application should not be less than one (1) year;
  • Has no other sponsor(s); and
  • Has opened SSPN account.


How to apply PTPTN loan:

  1. Open a savings account (Student Personal Account) with CIMB Bank.
  2. Open SSPN Account at Maybank with RM20.
  3. Pay RM5.00 to get a PIN number at Bank Simpanan Nasional (BSN). The PIN number is valid for only 3 months from the day you obtain from BSN.
  4. Log on to the PTPTN website (
  5. Fill in PTPTN Application Form with complete supporting documents.
  6. Supporting Documents:
  7. Photocopy of BSN PIN number (RM5.00)
  8. Photocopy of student Identity Card
  9. Photocopy of Offer
  10. Photocopy of CIMB Account Statement
  11. Photocopy of Account Slip or SSPN Card
  12. Photocopy of SPM/ STPM/ Diploma result
  13. Photocopy of parents/ guardian Identity Card
  14. Photocopy of parents/ guardian pay slip/pension (if applicable)

2. Criteria for EPF Loan

Supporting Documents:

  • Malaysian Citizen; OR A Malaysian Citizen who has made Leaving The Country Withdrawal before 1 August 1995 and later opted to re-contribute to the EPF; OR
  • A Non-Malaysian Citizen who:
    • Has become an EPF member before 1 August 1998; OR
    • Has obtained a Permanent Resident status (PR)
    • Has not reached the age of 55 on the date the application is received by EPF; AND
    • Having savings in EPF Account 2


For full terms and conditions, please refer to: