14th July 2026 - 2 min read
A minimum savings requirement of RM15,000 introduced by Tabung Haji has helped cut the haj offer deferment rate to 18% this year, down from about 50% last year, Deputy Minister in the Prime Minister’s Department (Religious Affairs) Marhamah Rosli told the Dewan Rakyat.
If you’re on the haj waiting list, this is the same RM15,000 threshold your own account will need to meet before you can accept your offer.
Among pilgrims who deferred their haj offer this season, 10% did so due to insufficient savings, 36% cited health issues, 37% personal factors, and the remaining 17% other reasons, Marhamah said.
The RM15,000 savings requirement is set based on the lowest payment rate for eligible lower-income pilgrims under the Muassasah scheme, rather than the full haj cost of RM33,300. These pilgrims receive a 55% subsidy of about RM18,300 funded through Tabung Haji’s investment returns, along with RM1,000 in government financial assistance.
Marhamah said Tabung Haji does not plan to introduce a special haj offer category, since doing so could disrupt the existing queue system and affect other depositors who have been waiting longer for their turn.
She said the approach is in line with the principles of fairness, transparency and equity that Tabung Haji has long applied in managing the haj queue.
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Iman writes about personal finance with curiosity. She is interested in the stories behind money, the hesitation around big decisions, and the small habits that shape financial futures. Off the clock, she is either dissecting a film or climbing her way up the leaderboard in her favourite games.
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