Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) has announced a higher dividend rate of 4.10% for the Simpan SSPN scheme in 2025, marking its strongest payout in 11 years and reflecting improved fund management performance and investment returns.
The dividend will benefit 6.07 million deposit accounts, with a total allocation of about RM505.68 million. This brings cumulative dividend distributions since the scheme’s launch in 2004 to RM2.63 billion.
PTPTN said the dividend will be credited directly into Simpan SSPN accounts, with depositors able to check their statements via the myPTPTN application from 7 May 2026.
The 4.10% rate is higher than the 4.05% recorded in 2024 and is described as the highest level in over a decade, supported by stronger investment performance and disciplined fund management.
“The increase in dividend rate reflects the efficiency of PTPTN’s management of savings funds based on strong governance, integrity and strategic planning to ensure optimal returns for customers,” PTPTN said in its statement, adding that the performance was supported by Malaysia’s Education Ministry.
The higher payout was driven by shariah-compliant investment strategies across money market instruments, sukuk and fixed income assets, which PTPTN said helped preserve capital while generating competitive returns. The dividend also outperformed Malaysia’s Overnight Policy Rate of 2.75% maintained throughout 2025.
For 2025, Simpan SSPN recorded RM3.33 billion in deposits, up RM154.10 million or 4.86% from the previous year, alongside more than 500,000 new account openings. Total deposits now stand at RM23.88 billion as at end-2025.
PTPTN also highlighted enhancements to its benefits structure, including tax relief of up to RM8,000 per year, free takaful protection, government-guaranteed savings and expanded eligibility under the Geran Padanan Ihsan initiative, which now allows eligible families to receive up to RM5,000 in matching grants.
