PTPTN Student Loan Repayment Calculator
Estimate your monthly PTPTN student loan payments, total administrative Ujrah charges (1% flat rate p.a.).
Monthly PTPTN Installment
RM159.72
Original loan amount (principal)RM25,000.00
Total Ujrah admin fee (1% p.a. flat)RM3,750.00
Total repayment amountRM28,750.00
Loan Details
Repayment Tenure15 years (180 months)
Assumptions
- PTPTN Ujrah is calculated at a flat rate of 1% per annum on the original outstanding balance.
- Default tenure is determined based on the total loan amount range.
- Waiver of Ujrah is 100% applicable if the loan is fully settled within the 12-month grace period after graduation.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-05-25 · Result type: official-rate implementation
Frequently Asked Questions
What is the Ujrah fee for PTPTN?
PTPTN charges a flat administrative fee of 1% per annum (Ujrah) on the original loan balance.
Can I get a 100% waiver on my PTPTN Ujrah?
Yes, if you settle your PTPTN loan in full within 12 months after graduation, the 1% Ujrah is fully waived.