Contributor Information

The CDAC Fund is used to fund CDAC’s programmes and assistance schemes to help the students, workers and families from the lower income groups overcome their challenges and achieve social mobility.
Needy students, low-wage workers, low-income families, and seniors are our key beneficiaries.
We help students to realise their potential; workers to secure jobs and upgrade their skills; families to be self-reliant and more resilient; and seniors to stay active and connected with the community.
Under the Central Provident Fund Act (Chapter 36, Section 76(3)), all working Chinese Singapore Citizens and Permanent Residents will contribute monthly to the CDAC Fund.
 Effective 1 January 2015

*Gross Wages/Month Minimum Monthly Contribution to CDAC
≤ $2,000 $0.50
> $2,000 to $3,500 $1.00
> $3,500 to $5,000 $1.50
> $5,000 to $7,500 $2.00
> $7,500 $3.00

*Gross wages refer to all remuneration in money due or granted to an employee in respect of his employment, including overtime pay, allowances (e.g. food, shift or transport allowances), commission and bonus.

Please refer to Annex A for the types of remuneration to employees.

Students

We offer more than 40,000 places in tuition and enrichment programmes annually to help students level up and maximise their potential. We also assist more than 5,000 students with bursary and other support schemes.

Families

We support about 10,000 low-income families annually with holistic assistance to help them work towards self-reliance. We organise parents development programme and family bonding activities to help parents become better stewards of their households and strengthen family bonding.

Workers

We provide integrated support to workers in employment and training  by working closely with various government agencies.

Besides employment, we also provide holistic support to workers by offering education programmes and assistance to their children, parenting programmes to them and their spouses, and financial assistance to their families.

Seniors

We help seniors to stay active and lead meaningful lives through learning and volunteering through programmes such as information sharing sessions (on topics such as Lasting Power of Attorney, MediShield Life and CPF Life), weekly news sharing programme, IT courses and volunteering programmes.

Should you wish to make changes to your monthly contribution, please fill in the relevant form below and submit it to CDAC via fax (Fax: 6841 4882), email (Email: ) or post:

The employer can effect the changes immediately after the form has been submitted to CDAC.

For further enquiries, you may call our hotline at 6841 4889 or email to .

Other Information for Employees

No. An employee is required to contribute regardless of his monthly wage.
Work pass holders and students belonging to the following groups:

  1. N- & O-level Government school students working during the scheduled school holidays.
  2. A-level students working during scheduled school holidays before their A-level examinations.
  3. Students working during vacation or term, under training programme approved by the following institutions:
    1. National University of Singapore
    2. Nanyang Technological University
    3. Singapore Management University
    4. Singapore University of Technology and Design
    5. Singapore Institute of Technology
    6. Nanyang Polytechnic
    7. Ngee Ann Polytechnic
    8. Republic Polytechnic
    9. Singapore Polytechnic
    10. Temasek Polytechnic
    11. Institute of Technical Education
  1. Students studying overseas and who return to Singapore to work during vacation or term, under a training programme approved by their overseas tertiary education institution, and the training period does not exceed 6 months.
Under the Central Provident Fund Act (Chapter 36, Section 76(3)), employers are required to automatically deduct contributions from the wages of their Chinese employees, unless the employees opt-out from the scheme. (Refer to Q6 on the opt-out procedures).
The CDAC Opt-Out Form requires the endorsement of the employer. The purpose is for the employer to take note of the opt-out and hence can stop the deduction once the form is submitted. If your wage is still being deducted of the CDAC contribution, please check with your employer. Your company could seek for refund on the contributions if there is any excess/ error. (Refer to Q23 to Q26 on the refund procedures)
Yes. As contribution to the CDAC Fund is on a per employment basis, you would have to submit a new Opt-Out Form to your new employer and forward the completed form to CDAC if you wish to continue to opt-out from the scheme.
Yes, CDAC has been granted status of an Institution of a Public Character (IPC). Your donation to the CDAC Fund made from 1 January 2016 to 31 December 2018 is entitled to 2.5 times tax deduction. The tax deduction will be automatically reflected in your IR8A statement.
You may call our hotline at 6841 4889 or email your queries to .

Other Information for Employers

For employees with double-barrelled race, the employer can refer to the first component of the double-barrelled race to ascertain which SHG fund your employee should contribute to.
With reference to Q14, the employee will have to contribute to the Singapore Indian Development Association Fund (SINDA). However, as all working Muslims are subjected to contribute to the Mosque Building and Mendaki Fund (MBMF), your employee will also need to contribute to the MBMF. Employees who do not wish to contribute to either one of the Fund will have to submit the Opt-Out Form to the respective agency.

Please refer to Annex B for the contributions to be made by employees with multiple races or religion.
The employer can stop the CDAC contribution of the employee immediately after the Opt-Out Form is sent out. A copy of the Opt-Out Form should be filed by the employer for record. No acknowledgement will be given by CDAC upon receipt of the Opt-Out Form.
The employer should make up for the contribution that was not paid or underpaid in the next contribution submission to CPF Board.
Yes. The employer shall compute the contribution rate based on the gross wages of the employee received in the month.
No. The employee can choose to contribute for one company and opt-out from the rest of the companies he/she is working for. The employee may also choose to contribute to the CDAC Fund through the various companies.
CDAC contributions are not mandatory for Singapore Citizens or Permanent Residents working overseas. However, the employee can choose to make voluntary contributions to the CDAC Fund.
Yes, after CDAC has verified that the contributions have indeed been paid in error to the CDAC Fund.
You may submit a written request on your company’s letterhead, together with copies of CPF Form 90 and the Contributions Details report. Your letter should state the reason for the refund, amount to be refunded as well as the cheque payee name.

Please note that the period for any refund of amount paid in error is one year from the date on which the CDAC contribution was paid by an employee.

Any refund on excess contributions shall be paid to the company. The company would then make the adjustment to refund their employee on the excess contributions to the CDAC Fund.
CDAC will process the refund upon receipt of the employer’s letter and copies of CPF Form 90 and the Contributions Details report.

Annex A

Types of Remuneration to Employees

The table below is a general guide as to when to account for CDAC contributions on such payments.

S/N Types of Payment Description of Payment CDAC contribution required?
1 Annual Wage Supplement (AWS)/ Bonus/ Variable Payment Payment to employees for 13th month/ good performance/ incentive payment Yes
2 Allowances e.g. field, food, holiday, housing, maternity, phone, shift, transport allowances Fixed payments to employees for various purposes Yes
3 Commission Payment to employees for services provided based on percentage of sales achieved Yes
4 Education/ training reimbursement Reimbursement of course fees No
5 Flexible benefits Allowance given to employees for lifestyle needs No
6 Internship allowance Wages paid to students on internship No
7 Leave pay Encashment of unutilized leave Yes
8 Long service award Cash reward for long service Yes
9 Maternity subsidy Reimbursement of maternity expenses No
10 Overtime pay Payments made to employees for working overtime Yes
11 Part-time employment wages Wages paid to individuals working part time Yes
12 Reimbursements e.g. entertainment, handphone, holiday, housing, meal, medical/ dental, transport reimbursements Reimbursements for expenses paid in advance by employees No
13 Termination benefits Retirement benefits, retrenchment payment, salary in-lieu of notice, severance pay No
14 Workmen’s compensation Payment for injuries awarded under the Workmen’s Compensation Act No

 

Annex B

Types of Contributions to be made by Employees with Multiple Races or Religion

The table below is a guide on the types on contributions that employees with multiple races or religion should make.

S/N Races/ Religion SHG to contribute to
1 Chinese-Indian CDAC
2 Chinese-Eurasian CDAC
3 Chinese-Muslim CDAC & MBMF*
4 Chinese-Indian-Eurasian CDAC
5 Chinese-Indian-Muslim CDAC & MBMF*
6 Indian-Chinese SINDA
7 Indian-Eurasian SINDA
8 Indian-Muslim SINDA & MBMF*
9 Indian-Eurasian-Chinese SINDA
10 Indian-Muslim-Chinese SINDA & MBMF*
11 Muslim-Chinese MBMF & CDAC*
12 Muslim-Indian MBMF & SINDA*
13 Muslim-Eurasian MBMF & EA*
14 Muslim-Chinese-Indian MBMF & CDAC*
15 Muslim-Eurasian-Chinese MBMF & EA*
16 Eurasian-Chinese EA
17 Eurasian-Indian EA
18 Eurasian-Muslim EA & MBMF*
19 Eurasian-Indian-Chinese EA
20 Eurasian-Chinese-Muslim EA & MBMF*
21 Chinese-German CDAC
22 Chinese-German-Indian CDAC
23 Chinese-German-Muslim CDAC & MBMF*

* Employees who do not wish to contribute to either one of the Fund will have to submit the Opt-Out Form to the respective agency.