See your monthly study loan repayment

PTPTN loan repayment

Calculate your monthly PTPTN education loan repayment under the Ujrah scheme, from your loan amount and repayment period.

Formula

total payable = loan × (1 + 1% × years) · monthly installment = total payable ÷ (years × 12)

Assumptions

• Uses the Ujrah (Shariah-compliant) scheme's 1% per annum fee — older loans on the Conventional Scheme may instead charge 3-5% per annum.
• Ujrah is charged flat, matching PTPTN's published formula: total Ujrah = loan balance × 1% × repayment period in years, fixed up front rather than re-accruing on a reducing balance. Ujrah is billed monthly from month 13.
• Repaying in full within 12 months of finishing your studies waives the Ujrah fee and admin costs entirely — this calculator assumes a standard multi-year repayment instead.
• Excludes any periodic repayment discounts PTPTN sometimes announces — these are not guaranteed each year and are not modeled here.
• Repayment is assumed to start immediately for simplicity — in practice it begins 12 months after completing your studies.

Frequently asked questions

What's the difference between the Ujrah and Conventional schemes?
Ujrah is the current, Shariah-compliant scheme with a flat 1% per annum fee. Older loans taken before the Ujrah scheme was introduced may still be on the Conventional Scheme, which charges a higher 3-5% per annum interest rate instead.

Can I save money by repaying early?
Yes — repaying your full loan within 12 months of graduating waives the Ujrah fee and admin costs entirely. Beyond that window, PTPTN has occasionally offered lump-sum repayment discounts, though these aren't guaranteed every year.

When does repayment actually start?
Repayment begins 12 months after completing your studies, regardless of whether you have started working by then.

Sources

• PTPTN — Education loan repayment