India in Singapore — Social Security Sources
Pensions, contributions, benefits and social insurance for India nationals in Singapore — sourced from official government domains.
Key facts at a glance
- •Cpf Contributions validity period: 1 January 2027 (CPF Board)
- •The salary threshold for Cpf Contributions is 750 SGD (CPF Board)
- •Medisave/medishield Life Reimbursements processing takes 4 to 6 weeks (CPF Board)
- •The tax relief eligibility income limit for Medisave Account is 8,000 SGD (CPF Board)
- •Matched Medisave Scheme (mmss) requires: 1 January 2026 (CPF Board)
Extracted from 181 official pages across 1 government source. Auto-updated daily.
Official Sources
- CPF Board181 pages
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Key Policy Facts
Data points extracted from official government pages. Updated automatically.
Cpf Contributions
- Validity Period
- 1 January 2027
- Employee Age Above 70
- 12.5 %
- Employee Age Above 65 To 70
- 16.5 %
- Employee Age Above 60 To 65
- 25 %
- Employee Age Above 55 To 60
- 34 %
- Employee Age 55 And Below
- 37 %
- Salary Threshold
- 750 SGD
- Excess Contribution Refund
- 370 $
- Salary Threshold
- 50 SGD
there will be an increase to the CPF contribution rates from 1 Jan 2027
Contribution rates from 1 January 2026 (monthly wages > $750) Above 70 7.5 5 12.5
Contribution rates from 1 January 2026 (monthly wages > $750) Above 65 to 70 9 7.5 16.5
Contribution rates from 1 January 2026 (monthly wages > $750) Above 60 to 65 12.5 12.5 25
Contribution rates from 1 January 2026 (monthly wages > $750) Above 55 to 60 16 18 34
Contribution rates from 1 January 2026 (monthly wages > $750) By employer (% of wage) By employee (% of wage) Total (% of wage) 55 and below 17 20 37
the following table summarises the current contribution rates for Singaporeans and SPRs (from third year and onwards) with monthly wages above $750
However, you mistakenly declared an OW of $5,000 and resulting in an excess CPF contribution of $370.
Source: CPF Board — Tax - Declaring Accurate Wage Information
you’re required to pay CPF contributions for employees who are Singapore Citizens or Singapore Permanent Residents earning total wages of more than $50 per month.
Source: CPF Board — Tax - Who Should Receive CPF Contributions
Employee's Salary
- Pro Rated Wages
- 5000 $
Your employee’s salary stated in the employment contract is $5,000 per month.
Source: CPF Board — Tax - Declaring Accurate Wage Information
Cpf Board
- Maximum Jail Time
- 6 months
- Maximum Fine
- 5000 SGD
If convicted, a first offender may be fined up to $5,000 or jailed for up to 6 months, or both.
Source: CPF Board — Tax - Declaring Accurate Wage Information
If convicted, a first offender may be fined up to $5,000 or jailed for up to 6 months, or both.
Source: CPF Board — Tax - Declaring Accurate Wage Information
Additional Wages
- Ceiling
- 102000 SGD
The Additional Wage ceiling is computed as follows. $102,000 - Total Ordinary Wage subject to CPF for the year.
Source: CPF Board — Tax - What Payments Attract CPF Contributions
Ordinary Wages
- Ceiling
- 8000 SGD
The Ordinary Wage (OW) ceiling limits the amount of OW that attract CPF contributions in a calendar month for all employees.
Source: CPF Board — Tax - What Payments Attract CPF Contributions
Direct Debit Authorisation (dda) Form
- File Size
- 0.32 MB
complete the Direct Debit Authorisation (DDA) form (PDF, 0.32MB)
Source: CPF Board — Healthcare - Medisave and MediShield Life Reimbursements
Medisave/medishield Life Reimbursements
- Processing Time
- 4 to 6 weeks
This usually takes four to six weeks.
Source: CPF Board — Healthcare - Medisave and MediShield Life Reimbursements
Deferment Revocation
- Revocation Period
- 14 days
The member has a right to revoke the deferment granted within 14 days of receiving the CPF Board's notification.
Deferment Notification
- Notification Period Before Repayment
- 3 months
the student will be notified by post on the commencement date for repayment, 3 months before the deferment period expires.
Deferment For Currently Unemployed
- Maximum Deferment Period
- 1 year
Currently unemployed 1 year
Deferment For Studying Full-time
- Maximum Deferment Period
- 3 years
Studying Full-Time Period of the course of study, subject to a maximum of 3 years
Deferment For Serving National Service
- Maximum Deferment Period
- 3 months
Serving National Service Up to 3 months after ORD date
Cpf Education Loan Scheme
- Interest Accrual
- monthly
- Maximum Repayment Period
- 12 years
- Repayment Start Time
- 1 year
Interest will continue to accrue monthly and be compounded annually at the prevailing CPF interest rate until the loan is fully repaid.
The maximum repayment period is 12 years.
a student is required to repay the CPF savings withdrawn including the interest that would have been accrued if the withdrawal has not been made, 1 year after the graduation date or date of leaving institution, whichever is earlier.
Medisave Account
- Voluntary Top Up Deadline
- last day of the calendar year
- Tax Relief Eligibility Income Limit
- 8,000 SGD
- Tax Relief Limit For Others Top Up
- 8,000 SGD
- Tax Relief Limit Self Top Up
- 8,000 SGD
Voluntary top-ups must be made by the last day of the calendar year to be considered for tax relief in the same year.
the spouse/sibling must not have an annual income exceeding $8,000 in the year preceding the year of top-up
You can enjoy an additional tax relief of up to $8,000 per calendar year for cash top-ups to your spouse, parents, parents-in-law, grandparents, grandparents-in-law and siblings’ MA and/or SA/RA.
You can enjoy tax relief of up to $8,000 per calendar year for cash top-ups to your MA and/or Special/Retirement Account (SA/RA).
Matched Medisave Scheme (mmss)
- Matching Grant Eligibility Start Date
- 1 January 2026
- Annual Cap
- 1,000 SGD
From 1 January 2026, for MMSS-eligible members, the first $1,000 per year of cash top-ups to MA received from self and loved ones will attract the MMSS matching grant.
for every $1 of cash top-up received by your MA in the year, the Government will match it up to an annual cap of $1,000.
Education Loan Repayment
- Maximum Repayment Period
- 12 years
- Repayment Start Time
- 1 year years
- Minimum Monthly Instalment Rate
- $100
The moneys withdrawn under the Education Loan Scheme and its accrued interest must be fully repaid over a maximum period of 12 years.
Repayment will commence one year after the student has completed his course of study; or one year from the date the student leaves the institution if he did not complete his course of study, whichever is applicable.
The proposed new rate for any course of study should be minimally $100 or such higher amount as CPF Board may determine.
Hdb Mortgage Rate
- Concessionary Interest Rate
- 0.1 %
- Interest Rate
- 2.6 %
- Interest Rate
- 2.6 %
the concessionary interest rate for HDB mortgage loans, which is pegged at 0.1% above the OA interest rate
HDB mortgage rate from 1 April 2019 to 30 June 2019 Remains unchanged at 2.6% per annum
HDB mortgage rate from 1 July 2019 to 30 September 2019 Remains unchanged at 2.6% per annum
Cpf Members Aged 55 And Above
- Maximum Interest Rate
- 6 %
- Additional Interest
- 1 %
- Maximum Interest Rate
- 6 %
- Additional Interest
- 1 %
As a result, CPF members aged 55 and above will earn up to 6% interest per year on their retirement balances.
CPF members aged 55 and above will earn an additional 1% extra interest on the first $30,000 of their combined balances
As a result, CPF members aged 55 and above will earn up to 6% interest per year on their retirement balances.
CPF members aged 55 and above will earn an additional 1% extra interest on the first $30,000 of their combined balances
Cpf Retirement Account
- Interest Rate
- 4 %
- Interest Rate
- 4 %
The RA interest rate will be maintained at 4% per annum from 1 January 2019 to 31 December 2019
The RA interest rate will be maintained at 4% per annum from 1 January 2019 to 31 December 2019
Cpf Special And Medisave Accounts
- Interest Rate
- 4 %
- Interest Rate
- 4 %
The SMA interest rate will be maintained at 4% per annum from 1 April 2019 to 30 June 2019
The SMA interest rate will be maintained at 4% per annum from 1 July 2019 to 30 September 2019
Cpf Ordinary Account
- Interest Rate
- 2.5 %
- Interest Rate
- 2.5 %
The OA interest rate will be maintained at 2.5% per annum from 1 April 2019 to 30 June 2019
The OA interest rate will be maintained at 2.5% per annum from 1 July 2019 to 30 September 2019
Home Purchase Planner
- Age Limit
- 21 years
This planner is only applicable to members aged 21 and above.
Housing Loan
- Minimum Interest Rate
- 4 %
The minimum rate set by MAS is 4%.
Housing Grant
- Maximum Amount
- 230,000 SGD
Housing grants of up to $230,000 are only applicable if you are purchasing a HDB flat.
Data last updated: 7 Aug 2026
Topics Covered
CPF Board
Work Permit - Workfare Support · Tax - CPF Policy FAQ · Healthcare - Healthcare Hub · Withdrawing CPF when leaving Singapore · Tax - CPF Changes Announced in Budget and COS 2025 · Housing - Home Buying Guide · CPF for foreign employees · Policy - Changes to CPF in 2024 and Beyond · Tax - Income Tax Planning · Housing - CPF for Housing from Age 55 · Insurance - Health Insurance Declaration · Housing - Protecting Against Losing Your Home · Education - Education Loan Repayment · Housing - Home Purchase Flexibility · Education - Education Loan Repayment · Insurance - Integrated Shield Plan · Healthcare - Using Your Medisave Savings · Work Permit - Government Support for Platform Workers · Housing - Withdrawal of CPF Savings for Property Owners · Work Permit - Workfare Program · Housing - Considerations for Seniors · Housing - Housing Planning Checklist · Healthcare - Getting Supplementary Coverage · Housing - Home Ownership Planning · Banking - Workfare Income Supplement · Healthcare - MediShield Life Premiums · Healthcare - Health Coverage · Tax - Workfare Income Supplement · Healthcare - Healthcare in Singapore Updates · Housing - Home Purchase · Tax - CPF Amendment Bill Highlights 2023 · Banking - Reverse Mortgage Product · Tax - CPF Changes in 2025 · Healthcare - MediShield Life Proration · Housing - Exemption from Home Protection Scheme · Healthcare - Healthcare Payments and Claims History · Housing - Home Financing · Tax - Planning with CPF · Housing - Cumulative CPF Savings Withdrawn for Housing · Insurance - Home Protection Scheme Participation · Healthcare - What MediShield Life Covers You For · Insurance - Home Protection Scheme Claims · Healthcare - Healthcare Insurance Coverage · Housing - CPF Refund When Selling or Transferring Property · Healthcare - Basic Healthcare Sum · Work Permit - Platform Workers CPF Transition Support · Housing - Retirement Housing Options · Tax - CPF Top-Up and Tax Reliefs · Housing - Managing Housing Loans · Healthcare - MediShield Life · Healthcare - Using Medisave for Hospitalisation · Healthcare - MediShield Life Premiums and Subsidies · Healthcare - Healthcare in Singapore · Healthcare - Managing Healthcare Costs · Tax - New CPF Contribution Rates for Senior Workers · Healthcare - CareShield Life · Healthcare - Long-Term Care Premiums · Education - Educational Resources · Healthcare - Staying Covered for Healthcare Expenses · Housing - CPF Housing Refund · Housing - Budgeting for House and Renovations · Healthcare - Health Insurance · News - CPF Policy Announcements · Housing - Home Purchase Planner · Healthcare - MediShield Life Premiums · Healthcare - Healthcare Financing · Healthcare - CareShield Life Premiums · Housing - Housing Planning Resources · Housing - Use of CPF Under Housing Scheme · Policy - News Releases · Housing - Selling Your Home · Tax - What Payments Attract CPF Contributions · Work Permit - Platform Worker Opt-In Status Checker · Housing - Retain $20,000 in Your OA if You Are Taking a Housing Loan · Healthcare - ElderShield Premiums · Healthcare - MediShield Life Premiums · Healthcare - CareShield Life · Healthcare - CareShield Premiums and Subsidies · Insurance - Protecting Dependants · Housing - Home Ownership · Housing - HDB Option Fee and Expenses · Housing - Buying Your First Home · Banking - Changes to CPF in 2023 · Housing - Home Buying Guide for Members Above 55 · Housing - CPF Savings for Home Purchase · Housing - Home Ownership · Healthcare - MediShield Life · Healthcare - Health Insurance Planner · Housing - Home Purchase Planner · CPF for employees · Healthcare - Healthcare Services · Housing - Claiming Under the Home Protection Scheme · Banking - Registering a Bank Account · Housing - Considerations When Using CPF to Buy Property · Healthcare - Supplementary Coverage · Healthcare - Health Insurance Costs · Education - Education Overview · Healthcare - Healthcare Planning · Housing - Home Purchase Budgeting · Healthcare - Detailed Notes for Health Insurance Planner · Insurance - CareShield Life · Tax - Declaring Accurate Wage Information · Housing - Using CPF to Buy a Home · Housing - Enhanced CPF Housing Grant · Housing - CPF Housing Usage · Insurance - Health Insurance Overpayment · Housing - Essential Budgeting Tips for Your BTO · Housing - Property Purchase Guidelines · Healthcare - Basic Healthcare Sum · Banking - HDB Mortgage Rate · Housing - Home Ownership Statistics · Healthcare - Medisave Care for Long-Term Care Needs · Healthcare - Medisave Claims · Healthcare - CareShield Life Premiums · Housing - Home Buying Guide for Members Below 55 · Healthcare - Healthcare Statistics · Healthcare - Healthcare Insurance Claims · Healthcare - Medisave Uses · Healthcare - Healthcare Overview · Banking - On Leaving Singapore · Healthcare - Applying to Use Your Healthcare Plans · Healthcare - Health Declaration by Permanent Resident · Healthcare - Getting Reimbursed for Medical Expenses · Healthcare - ElderShield · Healthcare - Healthcare Financial Planning · Healthcare - Healthcare Financing · Insurance - Health Insurance Planning · Residency - Closure of CPF Accounts for Non-Singapore Citizens and Non-Permanent Residents · Housing - HDB Loan vs Bank Loan · Housing - Home Protection Scheme · Tax - CPF Clarifications · Healthcare - Using Medisave for Outpatient Treatments · Housing - CPF Withdrawals for Housing · Insurance - Dependants Protection Scheme · Housing - First-Time Resale Flat Buyers · Tax - Employer Obligations · Education - Education Loan Repayment · Tax - How Much CPF Contributions to Pay · Insurance - Home Insurance · Retirement - Withdrawing for Property Owners · Healthcare - Integrated Shield Plan · Healthcare - Basic Healthcare Sum · Healthcare - Medisave and MediShield Life Reimbursements · Housing - Home Financing · Healthcare - Health Insurance Planning · Housing - Apply to Use CPF for Your Property · Tax - Who Should Receive CPF Contributions · Healthcare - Medisave Account Top-Up · Healthcare - Basic Healthcare Sum · Healthcare - Basic Healthcare Sum · Healthcare - Basic Healthcare Sum · Healthcare - MediShield Life Payouts · Banking - HDB Mortgage Rate · Tax - CPF Changes Announced · Insurance - Home Protection Insurance · Healthcare - Medisave Savings · Housing - Home Purchase Planning · Housing - HDB Flat Eligibility · Insurance - Home Protection Insurance · News - CPF Related Announcements · Banking - Withdrawal of Savings Above BRS · Banking - Withdrawal of Savings Above BRS via PayNow · News - New Contribution Rates · Banking - Transfer to Retirement Account · Healthcare - MediShield Life · Banking - Matched Retirement Savings Scheme · Tax - CPF Amendment Bill Highlights 2021 · Healthcare - Healthcare Financing · Banking - Online CPF Withdrawals · Healthcare - Medisave Interest Rate · Healthcare - Medisave Account Top-Up · Healthcare - MediShield Life Review · Healthcare - CPF and Healthcare Needs · Housing - Home Protection Scheme · Housing - Budgeting for First Home · Housing - Buying Your First Home · Housing - Housing Heartland · Healthcare - MediShield Life Premium Discounts · Tax - CPF Contributions for Part-Time Employees · Healthcare - MediShield Life · Housing - HDB for Singles
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