PTPTN borrowers may receive additional incentives for repaying their student loans under a new campaign launched by Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) and CIMB Islamic Bank.

The “Setel PTPTN dengan CIMB” campaign introduces a RM500,000 incentive pool aimed at encouraging borrowers to make consistent repayments while managing their loans through CIMB Islamic’s Daily Unrestricted Investment Account-i (DURIAN-i). The campaign runs from 1 January to 31 December 2026.

The initiative links loan repayment activity with a Shariah-compliant investment account, allowing borrowers to manage repayments while potentially building savings at the same time.

Incentives For Consistent Repayments

Borrowers who make PTPTN repayments through the DURIAN-i account can accumulate reward points through eligible transactions.

Participants may stand a chance to settle PTPTN loans of up to RM25,000 through the campaign’s incentive structure. Those who deposit savings into the DURIAN-i account may also qualify for additional rewards such as gold bars.

The campaign is designed to encourage more borrowers to maintain regular repayments while developing stronger financial habits.

Ensuring The Sustainability Of PTPTN Loans

PTPTN plays a key role in supporting access to higher education in Malaysia. Since its establishment, the fund has assisted more than 4.27 million borrowers and disbursed over RM77 billion in education loans.

Each year, the government allocates around RM3 billion to support education financing for roughly 600,000 students. Repayments from past borrowers help replenish this pool, which means consistent repayments are important for ensuring the fund remains available for future students.

By linking repayment behaviour with incentives and financial tools, the collaboration aims to encourage borrowers to stay consistent with their loan obligations.

Financial Education Included In The Initiative

In addition to the incentive campaign, PTPTN borrowers will also gain access to financial literacy programmes supported by CIMB.

These include initiatives such as Be$mart and JagaDuit, which provide practical guidance on budgeting, savings, and financial planning.

The inclusion of financial education is intended to help borrowers strengthen their money management skills while managing their loan commitments.

Investment Account Used For The Campaign

The campaign uses CIMB Islamic’s DURIAN-i account, a Shariah-compliant investment account that allocates funds to sustainable financing assets.

Borrowers who open the account and use it for PTPTN repayments may participate in the campaign while also benefiting from the account’s investment returns.

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