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Home  > Admission > Scholarships & Financial Aid > PTPTN (Kuala Lumpur Campus)
PTPTN  (Kuala Lumpur Campus)
1.   Eligibility

Applicants must:
  • Be a Malaysian citizen
  • Not be a recipient of other loans (MARA or JPA loan) or scholarship (internal or external)
  • Possess a Sijil Pelajaran Malaysia (SPM) or O-Level*
  • Possess a Unified Examination Certificate (UEC)* and qualify to enter UCSI University
  • Possess other recognised certificates to qualify for a degree programme: STPM, A-Levels, UEC, SAM**, AUSMAT**, CPU**, CIMP**, UCSI University Foundation, Local Matriculation or Recognized Diploma
  • Enrolled in a Private Tertiary Education Institution (IPTS) that offers a full-time degree or diploma course that is approved by MQA & JPS
Other criteria:
  • For students applying for the second time, loans extended earlier by PTPTN must be settled in full prior to a fresh application.
  • Students who have received PTPTN loan through previous colleges / universities but have left or have not completed their course, are required to terminate the contract and make full payment with PTPTN before a new application can be made.
  • Students who have received a PTPTN loan and completed the diploma, kindly fill up Borang Penangguhan Bayaran Balik to extend your loan until completion of your degree programme. Please print out the form from the PTPTN website. Click here.
  • Balance of study upon application must not be less than one year.
  • As of Jan 2012, it is compulsory to open a Skim Simpanan Pendidikan Nasional (SSPN-i) account if students want to apply for a PTPTN loan.
* The application requirements may vary from time to time. Please reconfirm with us upon applying for a PTPTN loan.
** Case by case basis. Please reconfirm with us upon applying for a PTPTN loan.
*** To access important forms concerning PTPTN, please visit http://www.ptptn.gov.my/web/guest/borang2


2.   PTPTN Loan Application Process
Step 1: Check minimum academic requirements
  • To view programmes eligible with the minimum requirement for PTPTN loan applications. (Click here)
Step 2: Preparation before online registration
  • Open CIMB Saving Account
  • Open SSPN-i Account
  • Buy BSN-PTPTN Pin No. (RM5/application valid for 6 months)
Step 3: Register & submit the online application
Step 4: Check application status
  • Applicants will be notified about their application status within 10 working days after the specified deadline via email and SMS.
  • If you did not receive any notification from PTPTN, kindly login to your account in PTPTN portal to check the status.
  • If your applications being rejected , kindly consult Student Affairs and Alumni administrator for further assistance.
  • If your applications being approved, kindly follow the instruction below.
Step 5: Submit the loan agreement documents
  • Guideline to complete the agreement documents (Click here)
3.   CIMB Saving Account
All students are required to open a normal saving account (under single name) for PTPTN loan application.

For students who are below 18 years old, you need to hold on to the application until you reach 18 years old to open the normal saving account (under single name).

The PTPTN application can be done in the following intake (upon turning 18 years old).
4.   SSPN-i Account
Introduction

Skim Simpanan Pendidikan Nasional (SSPN-i) is a savings system specially designed by the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) for higher education. The system offered is Syariah compliant based on the "Wakalah Bil Istithmar" concept, whereby the depositors appoint PTPTN to manage their deposits for investment purposes.

Beginning of 1st January 2012, students who wish to apply for PTPTN education financing for their studies are REQUIRED to have an SSPN-i account with a minimum deposit of RM20.00.

The opening of an account is encouraged to be done through Maybank, Bank Islam Malaysia Berhad (Bank Islam), Agrobank, Bank Rakyat and RHB Bank to expedite the process.


Benefits
  • Eligible for educational financing application;
  • Tax relief assessment on current year net savings up to RM6,000.00 per year;
  • Free Takaful coverage for depositors who have savings of RM1,000.00 and above*;
  • Rewards of matching grant up to RM10,000.00 for eligible families**;
  • Savings guaranteed by the Government;
  • Competitive dividends and exempted from income tax; and
  • Savings access in PTPTN and over 3,000 SSPN-i agent branches.
* Free Takaful coverage in the form of death/ total permanent disabilities (RM to RM) benefit and funeral expenses is eligible for depositors aged 18 to 65 years, while beneficiaries aged 1 to 28 years are eligible to receive funeral expenses subject to the stipulated terms and conditions.

* Eligible before date of birth.

** Families with a monthly income (basic salary) not exceeding RM2,000.00 is eligible for the matching grant when their children are accepted and enrolled in higher learning institutions. The application must be attached by complete documents and submitted to PTPTN Offices. Matching Grants eligibility is subject to the stipulated terms and conditions.



Terms & conditions to opening an SSPN-i account
  • Depositor and beneficiary must be a Malaysian citizen
  • Depositor also can open account for himself as beneficiary;
  • Each depositor can only open one account for the same beneficiary;
  • Beneficiary must be 1 day up before reaching the age of 29 years (or below 29 years old);
  • Beneficiary who have had accounts opened by depositor can open an account for himself or open an account for any other citizen. This means beneficiary at the same time can be a depositor; and
  • Different depositor is allowed to open an account for the same beneficiary and no limit on the number of accounts for each beneficiary.

Opening of an Account

SSPN-i account can be opened at PTPTN counters and SSPN-i agents nationwide. Documents needed when opening an account:
  • Copy of the applicant's MyKad/ Police or Military Card;
  • Copy of the child's Birth Certificate/ MyKid/ MyKad; and
  • Letter of Declaration/ Certificate of Adoption (for parents who are opening an account for adopted child under their legal care).
For more information about SSPN-i, please click here.
 
5.   BSN-PTPTN PIN Number
  • The PIN number can be purchased from Bank Simpanan Nasional (BSN) for RM5.00 (valid for 6 months ONLY). Please keep the receipt for website log-in purposes
  • Should there be any difficulty in logging-in or in resetting the password, please contact:

    PTPTN One-Stop-Centre
    Unit 1 & 2A, 2B,
    Level 2, Stesen Sentral Kuala Lumpur
    50470 Kuala Lumpur

    Contact number : 03- 2080 4455
    Official Website : http://www.ptptn.gov.my
    Operation Hours : 8.30am to 5.00pm (Monday to Thursday)
      : 8.30am to 12.15pm, 2.45pm to 5.00pm (Friday)
 
6.  2015 PTPTN Briefing Schedule for Online Applications
Applicants must attend ONE of the briefings as mentioned below. The briefing is a step-by-step guidance on how to apply for a PTPTN loan.

Students may apply At MOST 30 days before the commencement date of class.
Intakes Date Time Venue
January TBA 12:00pm **Conference Room, Block B, 5th floor, UCSI University, Kuala Lumpur Campus (South Wing)
May 08th or 19th May 2015* 12:00pm
June / July 07th Jul 2015* 12:00pm
August
(special for Medicine & Pharmacy)
May apply for the 31st July 2015 deadline if the class is commence before 30th August.
Kindly consult SAA administrator.
August / September 08th Sep 2015* 12:00pm

* The briefing for PTPTN online application may be subjected to change until further notice.
** The venue for PTPTN briefing may be subjected to change until further notice.
*** Kindly check your STUDENT EMAIL regularly for any updated information.
 
7.   PTPTN Online Application Deadline / Tentative PTPTN Schedule

Intakes Deadline of Online Application Confirmation of application status Briefing on the PTPTN Agreement Submission Submission of the PTPTN agreement letter
January 28th Feb Within ten (10) working days after the application deadlines TBA TBA
May 31st May 11th Jun 2015** TBA
June / July / August / Sept 31st July 13th Aug 2015** TBA
September 30th Nov 10th Dec 2015** TBA
* TBA: To Be Announced.
**The briefing on the PTPTN Agreement Submission may be subjected to change until further notice.
*** Kindly check your STUDENT EMAIL regularly for any updated information.

Applicants MUST submit their online application before the deadline (according to batches as above).
  • Applicants will be notified of the status of their application (approved / rejected) via SMS and email within ten (10) working days after the above-mentioned deadlines.
  • Applicants may check the application status in the PTPTN portal.
  • The processing of loan applications normally takes between 1 – 2 months.
  • Please contact Student Affairs and Alumni administrator if there is no notification regarding application status.
 
8.   PTPTN Loan Amount
As of 1st November 2014, PTPTN will reduce the total loan amount for their new applicants. For private higher education institution, a total of 15% from the previous total loan amount will be deducted. PTPTN will also use the Bantuan Rakyat 1Malaysia (BR1M) data to determine the amount eligible to the applicants. However, total loan amount for the program of Doctor of Medicine will remain the same. There are three levels of loan amount designed by PTPTN to determine the amount eligible to the applicants. The details of the loan levels are as below:

No Level Description of Eligibility
1 Maximum Student's or parents' names are listed as recepient of BR1M
2 75% from maximum loan amount Family income lower than RM8,000 (names not listed in BR1M)
3 50% from maximum loan amount Family income higher than RM8,000 (names not listed in BR1M)

Below are the comparative table for old and new loan amount for each semester. The calculation is based on the guideline by PTPTN and has been rounded off to zero decimal place. The exact amount will be determined by PTPTN. The loan will be disbursed twice a year (long semester only).

Income group Old Loan Amount Table   New Loan Amount Table
(a) RM4,000 and below (b) RM4,001- RM5,000 (c) RM5,001 and above Maximum 75% 50%
Full loan Partial loan Tuition fee only
First Degree - Engineering & Science RM8,250 RM6,750 RM5,000 RM7013 RM5259 RM3506
First Degree - Business & Arts RM8,000 RM6,500 RM5,000 RM6800 RM5100 RM3400
Diploma - Engineering & Science RM4,000 RM4,000 RM4,000 RM3400 RM2550 RM1700
Diploma - Business & Arts RM4,000 RM4,000 RM4,000 RM3400 RM2550 RM1700
Diploma in Nursing RM7,500 RM7,500 RM7,500 RM6375 RM4781 RM3187.5
Bachelor of Nursing RM10,000 RM10,000 RM10,000 RM8500 RM6375 RM4250
Bachelor of Pharmacy RM10,000 RM10,000 RM10,000 RM8500 RM6375 RM4250
Doctor of Medicine RM15,000 RM15,000 RM15,000 RM15,000 RM15,000 RM15,000

Please click here to view the circulation by PTPTN regarding the new loan amount policy.
 
9.   Academic Performance
PTPTN will stop disbursement under the following circumstances:
  • Deferment of studies.
  • Failure to complete studies within the designated time-frame.
  • Student's Grade Point Average (GPA) is lower than 2.0 (50%).
  • Prior to disbursement of the loan, PTPTN will request the University to provide student's results at the end of each semester. Please take note that PTPTN has the right to discontinue disbursement of the loan if a student's academic performance has deteriorated.
Please refer to the example below:

Semester GPA Status of Payment
Jan. 2011 <2.0 PTPTN will disburse loan
May 2011 2.0 Stop payment based on Jan. 2011 results
Jan. 2012 <2.0 Will disburse based on May 2011 results
May 2012 2.0 Stop payment based on Jan. 2012 results

* Please note that PTPTN WILL NOT pay back STOPPED PAYMENTS.
 
10.   Insurance
Starting 1st June 2008, all student recipients of the PTPTN loan must register for the Students’ Insurance Policy.
  • The appointment of an insurance company and payment of premium (deducted from the loan total) will be handled by PTPTN.
  • Insurance deductions will be done for every semester when the loans are disbursed.
  • The insurance deduction depends on the total loan amount as below;

    Bil. Loan per semester (RM)
    (a)
    Total semester
    (b)
    Total loan (RM)
    (c)= (a) x (b)
    Total premium
    (RM)
    Deduction of premium
    every semester (RM)
    1 2,500.00 6 15,000.00 180.00 30.00
    2 3,500.00 6 21,000.00 252.00 42.00
    3 6,500.00 6 39,000.00 655.20 109.20
    4 8,000.00 6 48,000.00 806.40 134.40
    5 10,000.00 6 60,000.00 1,296.00 216.00
    6 15,000.00 10 150,000.00 3,384.00 338.40

  • For current loan borrowers whose insurance deduction prior to this is less than the amount stated, the amount will be re-calculated and extra deductions will be made.
 
11.   Loan Repayment
Subject to the latest policy, PTPTN will charge a 1% service fee per year on the total outstanding loan amount. Graduates must start repaying the loan 6 months after graduation or employment (whichever is earlier).

The repayment period for:
  • Science degree - 240 months (20 years)
  • Arts degree - 180 months (15 years)
  • Diploma - 120 months (10 years)
The repayment will be sent to the National Income Tax Board (LHDN) through the graduates’ salary deductions by their employers.
 
12.   Enquiries/Information
For enquiries, please meet Ms. Tan Huey Yen at Student Affairs & Alumni, 3rd Floor, Block A, UCSI University Kuala Lumpur Campus (South Wing) or by telephone 03-9101 8880 ext 3105, or via e-mail to tanhy@ucsiuniversity.edu.my.


Note:

The information contained in this web page has been provided by PTPTN. The information is correct at the time of upload and UCSI University reserves the right to make amendments without prior notice. We will not be held liable for subsequent changes to the information.
 
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