PTPTN Repayment Calculator
See your monthly PTPTN repayment and the total ujrah over the life of the loan. Enter your balance and how long you want to take.
Official source, coverage and how this is calculated: see our data methodology →
Based on the 1% p.a. ujrah (administrative charge) on the reducing balance.
PTPTN periodically offers settlement or early-repayment discounts — these change and are not applied here. Check the latest terms directly with PTPTN before making a lump-sum payment.
Where these figures come from
- PTPTN — Ujrah loans (1% p.a. administrative charge)pending review
Figures marked pending review are being fact-checked against the primary source by our editor before final publication. Always confirm the current-year figure with the official source before acting on it.
PTPTN vs other debt
At just 1% ujrah a year, PTPTN is one of the cheapest debts you will ever hold. If you also carry credit card balances (15–18% a year) or a personal loan, clear those first — the maths is not close. Keeping PTPTN on schedule while investing spare cash often leaves you better off, though clearing it early brings real peace of mind.
Frequently asked questions
How is PTPTN repayment calculated?
Loans under the ujrah system carry a 1% per annum administrative charge (ujrah) on the reducing balance — much lower than a normal loan. Your monthly instalment spreads the balance plus ujrah over your chosen repayment period.
What is ujrah?
Ujrah is the administrative charge PTPTN applies instead of conventional interest, in line with Shariah principles. For most current loans it is 1% per year on the outstanding balance.
Are there discounts for settling early?
PTPTN has periodically offered discounts for full settlement or consistent scheduled repayment. These are time-limited promotions that change, so this calculator does not apply them — always check PTPTN's current terms before making a lump-sum payment.
Should I pay off PTPTN faster or invest instead?
Because the 1% ujrah is very low, the maths often favours keeping the schedule and investing spare cash where returns exceed 1% — but clearing debt also has real peace-of-mind value. Compare against the returns in our investing guides.
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