Use this free PTPTN loan repayment calculator to estimate your monthly payment, total ujrah (service charge), and full repayment amount. Updated for 2026 with both Ujrah (1% Shariah-compliant) and Conventional (3%) schemes.
PTPTN Loan Repayment Calculator
Estimate your monthly repayment for Ujrah (1%) or Conventional (3%) schemes
How Does This PTPTN Calculator Work?
This calculator estimates your monthly PTPTN loan repayment based on three inputs: your total loan amount, your chosen repayment period (5 to 20 years), and your repayment scheme (Ujrah or Conventional). It uses the official PTPTN formulas to give you an accurate estimate of what you will owe each month.
Ujrah vs Conventional — Which PTPTN Scheme Should You Choose?
Since 2019, PTPTN has encouraged borrowers to switch to the Ujrah scheme, which charges a flat 1% per annum service fee. This is significantly cheaper than the Conventional scheme at 3% compound interest. For a RM 30,000 loan over 10 years, the Ujrah scheme saves you approximately RM 1,800 compared to Conventional.
The Ujrah scheme is Shariah-compliant and calculates the total service charge upfront (principal x 1% x years), then divides the total evenly across all monthly payments. The Conventional scheme uses compound interest, meaning you pay more interest in the early years when your balance is highest.
PTPTN Repayment Tips for 2026
- Repay within 12 months of graduating — no ujrah or interest is charged at all during this grace period.
- Set up auto-debit — PTPTN offers salary deduction (Potongan Gaji) which ensures you never miss a payment.
- Make extra payments — even small additional amounts reduce your total interest significantly over time.
- Check your JBB (Jadual Bayaran Balik) — log into myPTPTN to view your official repayment schedule.
- Budget 2026 update — first-class honours graduates from B40/M40 families at public universities may be exempt from repayment.
What Happens If You Don’t Repay Your PTPTN Loan?
Starting in 2026, PTPTN borrowers who have not made any repayment for more than 5 years and earn above RM 6,000 monthly will face overseas travel restrictions. Your name may also be listed with CCRIS (Central Credit Reference Information System), which affects your ability to get bank loans, credit cards, or mortgages. Taking repayment seriously from the start protects your financial future.
Frequently Asked Questions
How much is PTPTN monthly payment?
Your PTPTN monthly payment depends on your loan amount, repayment period, and scheme. For example, a RM 30,000 loan on the Ujrah scheme over 10 years costs approximately RM 275 per month. Use the calculator above to estimate your specific payment.
What is the PTPTN interest rate in 2026?
PTPTN offers two schemes: the Ujrah (Shariah-compliant) scheme at 1% per annum flat rate, and the Conventional scheme at 3% per annum compound interest. Most borrowers are on the Ujrah scheme, which PTPTN has actively promoted since 2019.
When do I start repaying my PTPTN loan?
You must begin repaying your PTPTN loan 12 months after completing your studies. You do not need to wait for a repayment notice from PTPTN. No ujrah or interest is charged during this 12-month grace period.
Can I pay off my PTPTN loan early?
Yes. There is no penalty for early repayment. In fact, PTPTN encourages it. Paying off your loan early, especially within the first 12 months, means you pay zero ujrah or interest. Even partial lump-sum payments reduce your total cost.
What is the maximum PTPTN loan amount?
The maximum PTPTN loan depends on your course and institution. For degree programmes at public universities, the maximum is typically RM 45,000 to RM 75,000. For diploma programmes, it ranges from RM 15,000 to RM 25,000.