First thing first..

Your qualify?

Below 60yo, no monthly salary job @ no employer EPF contribution...

Then must register i-saraan at website & got pop up massage

Then only dump $$$ into EPF... Wait for September / October (for deposit January - June period)

when did you deposit ?
Deposit in 2024 only gets max govt RM500 i-Saraan (max 10 years)
Deposit in 2023 only gets max govt RM300 i-Saraan

That where my doubt arises...

How EPF know which is which??
Let say, u got i-saraan, i-suri & even that account 1 additional contribution.... So totally 3 under your account....

EPF rule says everything combined is 100k limit...

🤔

It's until 60yo 🙏

Yup. It's stated in the statement...

My question is how they know which is which?
But as other says...
EPF system very efficient... Superb AI in place...

The issues now is using the EPF i-akaun apps. They only got 1 option that is Self - contribution only... Don't have i--saraan stated in the menu like banks platform...

The guy above saying... It's no issues.. EPF automatic detect it's i-saraan contribution if u already registered

According to what nexona88 says up there, yes.

But just to play safe, you can put RM3335 to i-saraan to be precise. It will be reflected in the EPF akaun by the type of contribution as well.

Ex:
Transaction #1: I-Saraan RM3335

Transaction #2: Self contribution RM 96,665

As long total does not exceed RM100k.

To do this you must use Maybank website online (Maybank App doesn't have option to differentiate). Other banks i don't know.

PSA before year end. There is another category of tax relief "epf voluntary contribution / life insurance category of RM3000.00" that can be claimed.

For those reluctant to contribute extra to epf, you may do so by withdrawing from Account 3 and recontributing it. Have not try it but believe it can work.