CPFB | Contributions to self-help groups

Employer obligations

Contributions to self-help groups

As an employer, you’re expected to deduct your employees’ contributions to self-help groups (SHG) from their wages. Find out what the SHGs are and how much to deduct.

Overview

What are the SHG funds?

SHGs were set up to uplift low-income households and the less privileged, in the Chinese, Eurasian, Muslim, and Indian communities in Singapore. The CPF Board collects SHG contributions on behalf of the SHGs. You’re expected to deduct SHG contributions from your employees’ wages.

Chinese Development Assistance Council (CDAC) Fund

The fund is administered by CDAC.

Eurasian Community Fund (ECF)

The fund is administered by the Eurasian Association (EA).

Mosque Building and Mendaki Fund (MBMF)

The fund is administered by Majlis Ugama Islam Singapura (Muis).

Singapore Indian Development Association (SINDA) Fund

The fund is administered by SINDA.

Obligations

Who should contribute to the SHG funds?

Employees working in Singapore should contribute to the respective SHG funds shown below. Employees who do not wish to contribute or wish to contribute a different amount can contact the respective SHGs for more information. You’re expected to deduct the SHG contributions from your employees' wages.

CDAC Fund

Employees who belong to the Chinese community and are:

Singapore Citizens
Singapore Permanent Residents

Learn more

ECF

Employees who belong to the Eurasian community and are:

Singapore Citizens
Singapore Permanent Residents

“Eurasian” means a person defined as such in his/her identity card or a person of both European and Asian ancestry.

Learn more

MBMF

Employees who are Muslims and are:

Singapore Citizens,
Singapore Permanent Residents, or
Foreign employees

Learn more

SINDA Fund

Employees of Indian descent who are:

Singapore Citizens,
Singapore Permanent Residents, or
Employment Pass holders

This includes Bangladeshis, Bengalis, Parsees, Sikhs, Sinhalese, Telegus, Pakistanis, Sri Lankans, Goanese, Malayalees, Punjabis, Tamils, Gujaratis, Sindhis and all people originating from the Indian sub-continent.

Learn more

Contributions to SHGs are based on the employee’s race or religion

Contributions to the MBMF are based on the employee’s religion. Contributions to other SHGs are based on the employee’s race indicated on the NRIC. For employees with double-barrelled race, you can refer to the first component of the double-barrelled race to determine which SHG fund your employee should contribute to.

See examples

Payment matters

SHG contribution rates

CDAC contribution rates

Monthly Total Wages	Monthly contribution
$2,000 or less	$0.50
> $2,000 to $3,500	$1
> $3,500 to $5,000	$1.50
> $5,000 to $7,500	$2
> $7,500	$3

ECF contribution rates

Monthly Total Wages	Monthly contribution
$1,000 or less	$2
> $1,000 to $1,500	$4
> $1,500 to $2,500	$6
> $2,500 to $4,000	$9
> $4,000 to $7,000	$12
> $7,000 to $10,000	$16
> $10,000	$20

MBMF contribution rates

Monthly Total Wages	Monthly contribution
$1,000 or less	$3
> $1,000 to $2,000	$4.50
> $2,000 to $3,000	$6.50
> $3,000 to $4,000	$15
> $4,000 to $6,000	$19.50
> $6,000 to $8,000	$22
> $8,000 to $10,000	$24
> $10,000	$26

SINDA contribution rates

Monthly Total Wages	Monthly contribution
$1,000 or less	$1
> $1,000 to $1,500	$3
> $1,500 to $2,500	$5
> $2,500 to $4,500	$7
> $4,500 to $7,500	$9
> $7,500 to $10,000	$12
> $10,000 to $15,000	$18
> $15,000	$30

Payment and refunds

Payment

Pay SHG contributions together with your CPF contributions

You’re expected to deduct SHG contributions from your employees’ wages. You can pay the contributions to the CPF Board when making your CPF contributions.