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.
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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.
Who should contribute to the SHG funds?
Employees 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.
Employees who belong to the Chinese community and are:
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.
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.