eBaki MARA Online

eBaki MARA is an online platform designed for individuals with education loans with Majlis Amanah Rakyat (MARA). It allows them to check their loan balance and obtain loan statements online.

eBaki Mara also facilitates the checking and repayment of loan balances online. It is a convenient tool for borrowers both within and outside Malaysia.

How to Login eBaki MARA Online

To register and login to the eBaki MARA system, follow these steps:

  1. Visit the eBaki MARA portal.
  2. If you’re a new user, click on “Pengguna Baru” (New User).
  3. Enter your Identification Card number and click ‘Search’ (‘Cari’).
  4. Complete the registration by filling in the required details.
  5. Once registered, log in to the eBaki MARA portal using the User ID and password you’ve registered with.
  6. Your MARA education loan list will be displayed.
  7. Done.

Services Offered by eBaki MARA Online

Through eBaki MARA, users can access several services related to their MARA education loans. These services include:

  • Checking educational loan balances
  • Viewing educational loan statements
  • Applying for loan reduction
  • Requesting moratoriums
  • Making educational loan repayments.

Types of MARA Educational Loans

MARA provides two types of educational loans:

Tertiary Education Loan Program (TESP)

Specifically for students who have completed SPM, Certificate, and Diploma to pursue Diploma or First Degree studies in specified fields and institutions within Malaysia.

Excellent Student Program (IPMa)

Designed for outstanding students of the MARA Education Institute (IPMa) to continue their studies at diploma and first-degree levels both domestically and abroad, based on excellent academic achievements and active involvement in current curricular activities at IPMa at certificate and diploma levels.

Post-Graduation Loan Repayment

Students are required to repay the MARA educational loans upon completing their studies. The repayment amount is determined based on their academic achievements post-graduation.

eConversion for Loan Repayment Reduction

Besides checking loan balances, eBaki MARA also links to the eConversion, loan repayment reduction application system. Applicants can make only one application and must not have any arrears in their MARA educational loan account. Additionally, applicants must pay a commitment fee of RM300 during the application.

What is “Permohonan Pengurangan Pinjaman Pelajaran MARA”?

“Pengurangan eBaki MARA” pertains to reducing education loan repayment amounts for borrowers under the Majlis Amanah Rakyat (MARA) scheme. Here’s a detailed explanation about the education loan reduction process:

  1. Borrowers can apply for a reduced repayment amount through the eBaki system. This process is officially known as “Permohonan Pengurangan Pinjaman Pelajaran MARA“, which translates to Application for Reduction of MARA Educational Loan. Borrowers must log into the eConversion system using their eBaki credentials to make this application.
  2. The eligibility to apply for a repayment reduction includes conditions like the borrower completing their studies under the MARA Educational Loan Scheme within the stipulated time specified in the Offer Letter/Agreement.
  3. Once an application for repayment reduction is made, the official approval status can be checked through the system at https://apps.mara.gov.my/ebakiv2. Due to the volume of applications, the approval process for repayment reduction takes at least 6 months from the time the application is received/registered.
  4. The application process requires borrowers to ensure that all information is filled out completely and accurately before submission. Only one application is allowed per applicant. Applicants should ensure no arrears in their MARA educational loan account when applying for a repayment reduction.

How to Make “Bayaran Balik Pinjaman Pelajaran MARA”?

“Bayaran Balik” through eBaki MARA refers to the repayment of MARA education loans. The repayment process has been using eBaki and e-Bayar. Here’s a detailed guide on how to make repayments:

Online Repayments via e-Bayar

Since April 2005, MARA has provided an online payment facility known as MARA e-Bayar, enabling electronic repayment of MARA loans and rentals. This can be done via internet banking, ATM machines, SMS, and Mobile 3G, as well as through bank counters. This facility has been provided in smart partnerships with several banks.

Online Repayments via eBaki MARA

To make online repayments using eBaki MARA, follow this guide:

  1. Visit the eBaki portal at https://apps.mara.gov.my/ebakiv2/. If you are a new user, click on “Pengguna Baru” to register. Enter your Identification Card number for the search, and complete the registration by filling in the required details.
  2. Once logged in, you can check the repayment schedule of your education loan by go to the “Jadual Bayaran Balik” column and clicking on “Papar”.
  3. Under the section where you check your repayment schedule, options for making a repayment towards your education loan will be available. Follow the prompts to make your repayment.

Other Repayment Methods

  1. Payment at MARA Offices: You can also make repayments at nearby MARA District/State offices.
  2. Payment at Post Offices: Payments can be made at all counters in the Post Office.
  3. Salary Deductions: Employers can arrange for salary deductions to facilitate loan repayments.
  4. EPF Withdrawals: EPF (Employee Provident Fund) withdrawals can be used for loan repayments.
  5. Online Banking: Loan repayments can be made through online banking systems outside of eBaki and e-Bayar.
  6. MARAeps: This facility enables MARA customers to make payments via internet banking, debit/credit cards, and mobile apps.

Please ensure that you adhere to the repayment schedule to avoid any penalties or additional charges. It’s advisable to check the official MARA website or contact MARA customer service for the most accurate and up-to-date information regarding loan repayments.

Additional Support and Contact Information

For more support or questions related to eBaki MARA, individuals can refer to the FAQ section provided by MARA or contact MARA through:

  • Official Portal: MARA
  • MARA Call Centre: 03-2613 2000 (with various extensions for different departments).

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