Carum melalui i-Saraan untuk hari persaraan kelak : Panduan mohon disini!

Carum melalui i-Saraan sekarang untuk hari persaraan kelak. Cara permohonan disini. Ketahui lebih lanjut mengenai berita bantuan kerajaan semasa melalui laman web Bantuan Kerajaan.

 

I-SARAAN


PENGENALAN i-SARAAN KWSP 2024

 

i-Saraan adalah insentif Kumpulan Wang Simpanan Pekerja (KWSP) di bawah Bajet 2024 yang membolehkan mereka yang bekerja sendiri dan mereka yang tidak mempunyai pendapatan tetap mencarum secara sukarela ke arah matlamat persaraan mereka sambil menerima caruman tambahan sebagai insentif daripada kerajaan.

I-SARAAN

 

FAEDAH CARUMAN i-SARAAN KWSP 2024

 

  • Insentif Khas Terima insentif khas 15% daripada jumlah caruman anda sehingga maksimum RM500 pada tahun semasa*


  • Dividen Tahunan Nikmati dividen tahunan ke atas simpanan persaraan anda


  • Bantuan Kematian Tertakluk kepada terma dan syarat KWSP


  • Pelepasan Cukai – Tertakluk kepada terma dan syarat LHDN

 

I-SARAAN

 

Nota Penting : Had insentif seumur hidup sebanyak RM5,000 atau mencapai umur 60 tahun, mana-mana terdahulu​. Tertakluk kepada terma dan syarat kerajaan.

 

SYARAT KELAYAKAN

 

  • Warganegara Malaysia
  • Ahli KWSP
  • Belum capai umur 60 tahun
  • Bekerja sendiri – individu yang bekerja dan mendatangkan hasil dan bukannya bekerja di bawah mana-mana majikan

 

KAEDAH BAYARAN 

 

 

Bayaran caruman akan dikreditkan ke akaun ahli KWSP dalam tempoh 3 hari bekerja untuk pembayaran elektronik dan 7 hari perniagaan untuk pembayaran melalui saluran lain.

 

Boleh rujuk rajah dibawah : 

 

Kaedah BayaranCara pembayaran
Aplikasi Mudah AlihPembayaran secara elektronik melalui aplikasi mudah alih KWSP i‑Akaun. Untuk maklumat lanjut, rujuk bahagian Soalan Lazim.
Perbankan Internet​Pembayaran secara elektronik melalui:

  1. Alliance Bank
  2. Bank Islam
  3. Bank Muamalat
  4. BSN
  5. CIMB Bank
  6. Hong Leong Bank
  7. Kuwait Finance House
  8. Maybank
  9. MBSB
  10. Public Bank
  11. RHB Bank
  12. Ambank
Kaunter Ejen BankPembayaran secara tunai/cek di kaunter ejen bank:

  • BSN
  • Maybank
  • Public Bank
  • RHB Bank – Hanya menerima pembayaran kad debit dan pemindahan debit.​​

Nota: Sila lampirkan borang pembayaran sumbangan i-Saraan/i-Suri – KWSP 6A (2)

Jika membayar melalui cek atau draf bank:

  1. Bayaran hendaklah dibuat kepada KUMPULAN WANG SIMPANAN PEKERJA.
  2. Sila catatkan nombor ahli KWSP anda, bulan caruman dan nombor telefon di belakang.
Pejabat KWSP
  • Pembayaran secara tunai (maksimum RM500)/cek/draf bank/kiriman wang/wang pos boleh dibuat di Kaunter Peresitan Pejabat KWSP berikut:​
  1. KWSP Shah Alam​
  2. KWSP Kuala Lumpur​
  3. KWSP Ipoh​
  4. KWSP Seberang Jaya​
  5. KWSP Alor Setar​
  6. KWSP Kangar​
  7. KWSP Johor Bahru​
  8. KWSP Muar​
  9. KWSP Melaka​
  10. KWSP Seremban​
  11. KWSP Kuantan​
  12. KWSP Kuala Terengganu​
  13. KWSP Kota Bharu​
  14. KWSP Kota Kinabalu​
  15. KWSP Kuching​
  • Pembayaran secara Kad Debit disediakan di semua Pejabat KWSP.​

Nota: Sila lampirkan borang pembayaran sumbangan i-Saraan/i-Suri – KWSP 6A (2)

KWSP tidak menggalakkan ahli membuat pembayaran secara tunai untuk jumlah yang besar di kaunter Pejabat KWSP.

Jika membayar melalui cek atau draf bank:

  1. Bayaran hendaklah dibuat kepada KUMPULAN WANG SIMPANAN PEKERJA.
  2. Sila catatkan nombor ahli KWSP anda, bulan caruman dan nombor telefon di belakang.
Pasukan Mobile KWSP / Relationship & Advisory (RA)
  • Pembayaran elektronik melalui kad debit.​
  • Amaun bayaran caruman bergantung pada had transaksi Kad Debit pembayar.​​

​Untuk maklumat lanjut, rujuk bahagian Soalan Lazim di bahagian bawah.

Bayaran caruman secara kad debit melalui perkhidmatan Pasukan Mobile KWSP/ Relationship & Advisory (RA) adalah tertakluk kepada jadual lawatan.​

 

HAD CARUMAN

 

 

Minimum : Tiada had

 

Bergantung pada saluran pembayaran

 

Maksimum: RM100,000 setahun

 

Jumlah had maksimum untuk caruman sukarela (Caruman Pilihan Sendiri, Caruman i-Saraan, Caruman i-Suri dan Caruman Penambahan Simpanan Akaun Persaraan) melalui semua saluran pembayaran adalah RM100,000 setahun.

 

CARA MENDAFTAR

 

 

JENIS PENDAFTARANCARA DAFTAR
KWSP i-Akaun*Pendaftaran i-Suri melalui aplikasi i-Akaun KWSP dalam menu pendaftaran i-Saraan
Laman Web KWSP*Pendaftaran i-Saraan melalui portal i-Saraan
Self Service Terminal (SST)*
  • Lawat mana mana lokasi SST
  • Sediakan MyKad
Pejabat KWSP
  • Borang Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i-Suri – KWSP 16G (M)

 

  • Sediakan MyKad​

 

BORANG PENTING UNTUK MENDAFTAR

 

  • Borang i-Saraan – KWSP 16G (M) (Pendaftaran kali pertama sahaja)
  • Borang i-Saraan – KWSP 6A (2) (Semasa pembayaran)

 

RUJUKAN PENTING

 

 

MAKLUMAT LANJUT

 

Untuk sebarang pertanyaan berhubung Caruman Sukarela i-Saraan KWSP, sila layari www.kwsp.gov.my atau hubungi Talian Khidmat Pelanggan  di talian 03-8922 6000 atau hantar pertanyaan melalui pertanyaan atas talian.

 

SEMAK BANTUAN LAIN YANG BOLEH ANDA MOHON

 

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