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PTPTN repayment calculator

RM30,000 PTPTN balance, about RM192 a month for 15 years. Pick a shorter period and see how much ujrah you skip.

Rates checked 25 October 2026.

RM
Monthly repaymentRM191.67for 15 years
Loan balance
RM30,000.00
Ujrah (1% a year)
RM4,500.00
Total you repay
RM34,500.00

Other repayment periods

PeriodMonthly repaymentUjrah (1% a year)
5 yearsRM525.00RM1,500.00
10 yearsRM275.00RM3,000.00
15 years (PTPTN default)RM191.67RM4,500.00
20 yearsRM150.00RM6,000.00

Ujrah is worked out once, on the years you sign up for, so a shorter period is the main way to pay less. Before settling in full, get the exact balance in the myPTPTN app.

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How PTPTN works out your repayment

PTPTN charges ujrah, a service charge of 1% a year, instead of interest. It is worked out once when your repayment starts: your balance, times 1%, times the number of years. That is added to the balance and split evenly across the months. PTPTN's own example: a RM19,432 balance over 10 years has RM1,943.20 of ujrah, about RM178.13 a month.

Repayment period

PTPTN sets the period by your balance: 5 years up to RM10,000, 10 years up to RM22,000, 15 years up to RM50,000 and 20 years above that. Because the ujrah grows with every extra year, a shorter period costs less overall, even though each month is bigger. Repayment starts 12 months after you finish studying.

Discounts and exemptions

PTPTN has said there is no repayment discount under Budget 2026. Graduates with first-class honours from a public university in the B40 and M40 groups can apply to have the loan waived within 12 months of convocation. If you want to settle everything at once, get the exact balance in the myPTPTN app first.

Source: PTPTN repayment.

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