The Employees Provident Fund (EPF) has declared a 6.15 percent dividend rate for both conventional and syariah savings for 2025, slightly lower than the 6.30 percent announced for both accounts the previous year.

While the percentage drop indicates a moderation in returns, the total payout for 2025 has increased to RM79.6 billion from RM73.24 billion.

Of the total payout to its members for 2025, RM67.1 billion is...