Self-help group fund contributions
Four community funds are collected through CPF: CDAC, ECF, MBMF and SINDA. Here is who pays which, and how much.
6 min read · Checked against CPF Board pages in October 2026
4 funds
CDAC, ECF, MBMF and SINDA
Deducted
from the employee’s wages
With CPF
can be paid together to CPF Board
Who contributes to which fund
The self-help group (SHG) funds are separate from CPF savings. The money goes to the community group, not to the employee’s CPF accounts. You are expected to deduct it from wages.
| Fund | Who contributes |
|---|---|
| CDAC | Chinese employees who are citizens or PRs |
| ECF | Eurasian employees who are citizens or PRs |
| MBMF | Muslim employees who are citizens, PRs or foreign employees |
| SINDA | Employees of Indian descent who are citizens, PRs or Employment Pass holders |
MBMF is based on religion. The other three are based on the race shown on the employee’s NRIC. If the NRIC lists two races, the first one decides.
How it is deducted and paid
- Deduct it from the employee’s wages, on top of their CPF share.
- Pay it to CPF Board together with your CPF contributions. You do not need to pay each group separately.
- Opt-outs and changes go through the group. An employee who does not want to contribute, or wants to give a different amount, contacts the relevant SHG.
- Mistakes, such as an overpayment or a payment to the wrong group, are sorted out directly with that group.
CDAC amounts
| Monthly total wages | Monthly contribution |
|---|---|
| $2,000 or less | $0.50 |
| Over $2,000 to $3,500 | $1 |
| Over $3,500 to $5,000 | $1.50 |
| Over $5,000 to $7,500 | $2 |
| Over $7,500 | $3 |
SINDA amounts
| Monthly total wages | Monthly contribution |
|---|---|
| $1,000 or less | $1 |
| Over $1,000 to $1,500 | $3 |
| Over $1,500 to $2,500 | $5 |
| Over $2,500 to $4,500 | $7 |
| Over $4,500 to $7,500 | $9 |
| Over $7,500 to $10,000 | $12 |
| Over $10,000 to $15,000 | $18 |
| Over $15,000 | $30 |
Foreign employees
SINDA applies to foreign employees only if they hold an Employment Pass. Wageclerk lets you pick SINDA for a foreign employee but shows a warning asking you to check the pass type.
MBMF amounts
| Monthly total wages | Monthly contribution |
|---|---|
| $1,000 or less | $3 |
| Over $1,000 to $2,000 | $4.50 |
| Over $2,000 to $3,000 | $6.50 |
| Over $3,000 to $4,000 | $15 |
| Over $4,000 to $6,000 | $19.50 |
| Over $6,000 to $8,000 | $22 |
| Over $8,000 to $10,000 | $24 |
| Over $10,000 | $26 |
ECF amounts
| Monthly total wages | Monthly contribution |
|---|---|
| $1,000 or less | $2 |
| Over $1,000 to $1,500 | $4 |
| Over $1,500 to $2,500 | $6 |
| Over $2,500 to $4,000 | $9 |
| Over $4,000 to $7,000 | $12 |
| Over $7,000 to $10,000 | $16 |
| Over $10,000 | $20 |
Using it in Wageclerk
- Choose a fund on the employee’s profile. Wageclerk only offers the funds that fit their residency.
- The amount comes from the tables above, using the month’s total wages, and is shown on the review page.
- If someone has asked to opt out, set their fund to none.