Self-Help Group (SHG) funds are small monthly contributions deducted from an employee's wages, by community: CDAC (Chinese), MBMF/Mendaki (Muslim), SINDA (Indian) and ECF (Eurasian). The employee pays; the employer deducts and remits them with CPF. They are automatic unless the employee opts out.
This guide explains who contributes to which fund, the 2026 amounts, and the employer's role.
What are the SHG funds?
The four Self-Help Groups support their respective communities through education and assistance programmes. Employee contributions are collected by the CPF Board on the funds' behalf, alongside CPF — so there is no separate filing.
| Community | Fund |
|---|---|
| Chinese | CDAC — Chinese Development Assistance Council |
| Muslim | MBMF — Mosque Building and Mendaki Fund |
| Indian | SINDA — Singapore Indian Development Association |
| Eurasian | ECF — Eurasian Community Fund |
2026 contribution rates
Contributions are tiered by monthly wage. The full CDAC and MBMF tables, and the range for SINDA and ECF, are below.
CDAC (Chinese)
| Monthly wage | Contribution |
|---|---|
| Up to S$2,000 | S$0.50 |
| Above S$2,000 to S$3,500 | S$1.00 |
| Above S$3,500 to S$5,000 | S$1.50 |
| Above S$5,000 to S$7,500 | S$2.00 |
| Above S$7,500 | S$3.00 |
MBMF (Muslim)
| Monthly wage | Contribution |
|---|---|
| Up to S$1,000 | S$3.00 |
| Above S$1,000 to S$2,000 | S$4.50 |
| Above S$2,000 to S$3,000 | S$6.50 |
| Above S$3,000 to S$4,000 | S$15.00 |
| Above S$4,000 to S$6,000 | S$19.50 |
| Above S$6,000 to S$8,000 | S$22.00 |
| Above S$8,000 to S$10,000 | S$24.00 |
| Above S$10,000 | S$26.00 |
SINDA (Indian) ranges from S$1.00 (wages up to S$1,000) to S$30.00 (above S$15,000). ECF (Eurasian) ranges from S$2.00 (up to S$1,000) to S$20.00 (above S$10,000).
Amounts as of 2026 — always confirm the current rates with the official funds: CDAC, Mendaki/MBMF, SINDA and the Eurasian Association, or via the CPF Board.
The employer's role
You deduct the contribution from the employee's wages and remit it together with your CPF submission via CPF eZpay. The employer pays no extra share — unlike CPF (where you pay an employer portion) or the Skills Development Levy (which is fully employer-funded).
Opting out
SHG contributions are automatic for employees of the relevant community. An employee who does not wish to contribute — or who wishes to contribute a different amount — can apply directly to the relevant fund to opt out or vary it. Until they do, deduct and remit the standard amount.
How AimmPayroll handles SHG funds
AimmPayroll assigns the correct fund from each employee's community, applies the right tier for their wage, deducts it on the payslip, and remits it through the CPF eZpay file — part of the same monthly payroll cycle. Start free for up to three employees.