PTPTN Repayment — When & How to Pay Back

Key Dates

What	When
Monthly payment deadline	Before 15th every month
Salary deduction	Follows your employer’s pay cycle
Direct debit	1st of every month

Ways to Pay

1. Salary deduction — Auto-deduct from gaji, paling senang
2. Direct debit — Set up auto-payment from bank account
3. Online — Pay at ptptn.gov.my portal
4. Bank counter — CIMB, BSN, Bank Rakyat
5. JomPAY — Biller Code: 67088 (through banking app)

JomPAY is probably the easiest if you don’t want salary deduction. Just set up recurring payment in your banking app.

How to Check Balance

1. Go to ptptn.gov.my
2. Login with your ID
3. Click “Semak Pinjaman”
4. Can see total balance, payment history, everything

Tips

• Pay more than minimum if can — save on interest
• If kena salary deduction, it’s automatic, don’t worry
• Keep payment receipts for tax relief claim
• PTPTN repayment can get tax relief up to RM7,000/year