B40 & Need-Based Scholarships in Malaysia 2026
Scholarships that set household income as a criterion, including awards reserved for B40 families.
Quick answer
Degreemate's catalogue lists 51 need-based scholarships (reviewed August 2026): 19 full sponsorships, 25 partial or tiered awards, 4 convertible loans and 3 study loans. The list is not exhaustive; dates and criteria change every cycle, so confirm on each sponsor's official page.
See which scholarships match your resultsThe scholarships (51)
- AIA PUBLIC Takaful Scholarship (IIUM & UM)
AIA PUBLIC Takaful Bhd
Need-based · Full sponsorship · Degree
Tuition fees and living expenses for up to four years
- Anugerah Yayasan RISDA 2026
Yayasan RISDA
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off RM2,000
- Bank Rakyat BRIGHT (PPBU) 2026
Yayasan Bank Rakyat
Need-based · Convertible loan · Degree
Convertible financing (PPBU) (Convertible per terms)
- Bantuan Sara Hidup (BSH) Mahasiswa Anak Negeri Sembilan 2026
Yayasan Negeri Sembilan / Kerajaan Negeri Sembilan
Need-based · Partial / tiered · Diploma / TVET, Degree
Living-cost aid; amount not published; check the provider
- Biasiswa Anak eKasih PTPTN (BAeK PTPTN) 2026
Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
Need-based · Full sponsorship · Diploma / TVET, Degree
PTPTN loan converted to a scholarship: RM4,750/year (diploma), RM6,180/year (arts degree), RM6,650/year (science degree)
- Biasiswa Yayasan RISDA (BYR) – UCAM
Yayasan RISDA
Need-based · Full sponsorship · Pre-University, Diploma / TVET, Degree
Actual tuition fees
- Genting Malaysia Scholarship Award 2026
Genting Malaysia Berhad
GLC · Full sponsorship · Degree
Full financial support plus internship opportunities; amounts not published; check the provider
- Great Eastern Supremacy Scholarship Award 2026
Great Eastern Life Assurance (Malaysia)
Foundation · Full sponsorship · Degree
Academic fees per year plus living allowance
- Insentif Siswa Yayasan Perak (INSISYP) 2026
Yayasan Perak
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off start-up aid: RM300 certificate, RM500 diploma, RM1,000 degree (local); RM1,500–5,000 overseas by country category
- JPA Dermasiswa B40 (DB40) 2026
Jabatan Perkhidmatan Awam (PSD/JPA)
Government · Full sponsorship · Diploma / TVET
Full sponsorship for diploma at selected UA, polytechnics, MARA TVET, ILKA in strategic fields (JPA service bond applies)
- Kedah Bantuan Awal Kemasukan ke IPT (BAKIPT) 2026
Seksyen Pembiayaan Pendidikan Negeri Kedah (SPPNK)
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
One-off RM300
- KEN Foundation Scholarship Programme 2026
KEN Foundation (Ken Holdings)
Foundation · Partial / tiered · Degree
RM6,000-RM10,000 per academic year (Yes (bond period attached))
- Khazanah Watan Scholarship – Equity Pathway Programme
Yayasan Khazanah
Need-based · Full sponsorship · Pre-University, Degree
Scholarship; details not published; check the provider
- KPJ Healthcare University Dermasiswa (B40)
KPJ Healthcare University (KPJU)
Need-based · Partial / tiered · Diploma / TVET, Degree
Waiver equal to the gap between total tuition and the approved PTPTN loan
- Lembaga Zakat Negeri Kedah Skim Agihan Awal IPT 2026
Lembaga Zakat Negeri Kedah (LZNK)
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off start-up aid; amount not published; check the provider
- Lembaga Zakat Selangor Bantuan Dermasiswa Pengajian Tinggi (BDPT) 2026
Lembaga Zakat Selangor (MAIS)
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
Tuition fees, IPT entry-preparation allowance and flight ticket (if relevant); pocket money RM400/month for existing BDPT students; other costs via co-financing
- MAIPs Bantuan Pelajaran IPT
Majlis Agama Islam dan Adat Istiadat Melayu Perlis (MAIPs)
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
RM1,200 (certificate/asasi/matriculation/pre-diploma), RM1,700 (diploma), RM2,000 (degree), RM2,500 (overseas degree)
- MAIWP Bantuan Persediaan IPT 2026
Majlis Agama Islam Wilayah Persekutuan (MAIWP)
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
One-off cash aid for start-up costs, up to RM8,000 by study level
- MARA Tertiary Education Loan Programme (TESP)
Majlis Amanah Rakyat (MARA)
Loan · Convertible loan · Diploma / TVET, Degree
Study loan (Pinjaman Boleh Ubah) for MARA-designated fields and institutions; amount not published; check the provider
- MARA Young Talent Development Programme (YTP) 2026
MARA
Government · Full sponsorship · Pre-University, Degree
Full sponsorship (MARA bond)
- MiED Study Loan 2026
Maju Institute of Educational Development (MiED, MIC)
Loan · Study loan · Diploma / TVET, Degree
Partial tuition fees paid to the institution, for the current year of application
- MMU Ibnu Haitham & Jawhar Scholarship (Yayasan Universiti Multimedia)
Yayasan Universiti Multimedia / Tabung Amanah Zakat MMU
Need-based · Full sponsorship · Pre-University, Diploma / TVET, Degree
Ibnu Haitham: fully funded from MMU zakat fund; Jawhar: amount not published; check the provider
- Penang Future Foundation – PFF Mutiara Scholar 2026
Penang Future Foundation (Penang State Government)
Need-based · Full sponsorship · Degree
RM500/month living allowance; tuition up to RM60,000 for the whole course; Penang work bond
- Penang Future Foundation – PFF Penang Scholar 2026
Penang Future Foundation (Penang State Government)
Foundation · Full sponsorship · Degree
RM800/month living allowance; tuition up to RM100,000 for the whole course; bond to work in Penang (1 year per RM20,000)
- Penang iBITA – Bantuan Pendaftaran Pelajar ke IPT 2026
Kerajaan Negeri Pulau Pinang
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off registration aid: RM1,000 (Peninsula university), RM1,200 (Sabah/Sarawak university), RM300 (polytechnic)
- PPBU Yayasan Bank Rakyat (Pembiayaan Pendidikan Boleh Ubah)
Yayasan Bank Rakyat
Need-based · Convertible loan · Degree
Convertible financing (Convertible per performance)
- Program Biasiswa Aspirasi Negeri Sembilan 2026
Uni Enrol with partner universities (supported by Negeri Sembilan State Government, JPN N9, Yayasan Negeri Sembilan)
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
20 full (100% tuition waiver) and up to 9 partial (50%) scholarships; RM1.3 million fund
- PTPTN (Perbadanan Tabung Pendidikan Tinggi Nasional)
PTPTN / KPT
Loan · Study loan · Diploma / TVET, Degree
A study loan, not a scholarship: it must be repaid, with an ujrah (service charge). Discounts are offered for early or full settlement.
- Sarawak Unity Education Fund (SUEF) Scholarship – Curtin Malaysia
Sarawak Unity Education Fund
Need-based · Full sponsorship · Degree
Full and partial bond-free scholarships covering tuition and other study expenses
- SEGi Sentuhan Kasih Initiative (B40 EduLoan)
SEGi University & Colleges
Loan · Study loan · Diploma / TVET
1% EduLoan covering the tuition gap left after PTPTN; repayment starts after graduation
- Senheng Education Assistance (SEA) Program 2026
Senheng Electric (KL) Sdn Bhd
Foundation · Partial / tiered · Degree
RM20,000 total + 3-year employment with Senheng after graduation + internships during semester breaks (Yes - 3-year employment with Senheng)
- Tabung Baitulmal Sarawak Bantuan Kemasukan ke IPT
Tabung Baitulmal Sarawak (TBS)
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off registration support; amount per TBS rate guidelines; check the provider
- Tan Sri (Dr.) Lim Goh Tong – UTAR Scholarship Fund
UTAR / Lim Goh Tong fund
Need-based · Partial / tiered · Pre-University, Degree
Up to 100% tuition fee waiver
- TAR UMT JINBODHI Bursary
TAR UMT / Jinbodhi
University · Partial / tiered · Diploma / TVET, Degree
Up to RM10,000/annum; max RM30,000 per programme; RM40,000 per family
- TAZU Full Foundation Programme (UTP)
Tabung Amanah Zakat UTP (TAZU) / Yayasan UTP
Need-based · Full sponsorship · Pre-University
Full foundation sponsorship; details not published; check the provider
- Tunku Abdul Rahman Scholarship 2026 (YTAR)
Yayasan Tunku Abdul Rahman
Foundation · Full sponsorship · Degree
Scholarship for an MQA-accredited degree at a public or private Malaysian university; amounts not published; check the provider
- UNITEN YCU Aspire Scholarship 2026
Universiti Tenaga Nasional (UNITEN) / Yayasan Canselor UNITEN
University · Full sponsorship · Pre-University, Diploma / TVET
100% tuition fee waiver
- Yayasan DayaDiri Post-SPM Scholarship 2026
Yayasan DayaDiri
Foundation · Full sponsorship · Pre-University, Degree
Full tuition + living expenses (Verify (foundation terms))
- Yayasan Pelajaran Johor Pinjaman Pelajaran Dalam Negara (PPDN) Sesi 1/2026
Yayasan Pelajaran Johor (YPJ)
Loan · Convertible loan · Diploma / TVET, Degree
Interest-free (0%) loan; repayment rebates for strong results (e.g. degree CGPA 3.75+)
- Yayasan Pendidikan MAIDAM Bantuan Awal Pengajian Dalam & Luar Negara 2026
Majlis Agama Islam dan Adat Melayu Terengganu (MAIDAM) – Yayasan Pendidikan MAIDAM
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
One-off start-up aid paid to the student; amount not published; check the provider
- Yayasan Sabah Biasiswa Cemerlang Pelajar Luar Bandar (BCPLB) 2026
Kumpulan Yayasan Sabah
Need-based · Full sponsorship · Pre-University, Diploma / TVET, Degree
Scholarship; amount not published; check the provider
- Yayasan Sarawak Special Financial Assistance (Bantuan Kewangan Khas) Phase 1, 2026
Yayasan Sarawak
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off financial assistance; amount not published; check the provider
- Yayasan Sime Darby Special Needs Bursary (PwD) 2026
Yayasan Sime Darby (YSD)
Need-based · Partial / tiered · Diploma / TVET, Degree
Bursary; amount not published; check the provider
- Yayasan Sime Darby TVET Bursary 2026
Yayasan Sime Darby (YSD)
Need-based · Partial / tiered · Diploma / TVET
Bursary; amount not published; check the provider
- Yayasan Sime Darby Undergraduate Excellence Scholarship 2026
Yayasan Sime Darby (YSD)
GLC · Full sponsorship · Degree
Tuition, monthly allowance, laptop and book allowances; 3-year bond with Sime Darby Berhad / Sime Darby Property
- Yayasan UniKL Scholarship Scheme (YUSS) – Foundation
Yayasan UniKL
Need-based · Partial / tiered · Pre-University
Tuition-only, partial or full scholarship (covers living allowance for foundation)
- Yayasan UTP Education Grant 2026
Yayasan Universiti Teknologi PETRONAS (YUTP)
University · Partial / tiered · Pre-University, Degree
Full or partial tuition fees (partial = 50% of academic fees), up to 5 years
- Yayasan UTP Undergraduate Full Scholarship 2026
Yayasan Universiti Teknologi PETRONAS (YUTP)
University · Full sponsorship · Degree
Full scholarship; details not published; check the provider
- Yayasan Wilayah Persekutuan Skim Bantuan Awal IPTA/IPTS
Yayasan Wilayah Persekutuan (YWP)
Need-based · Partial / tiered · Diploma / TVET, Degree
One-off aid for registration and start-up costs (RM700 per student in the Oct 2025 round)
- Zakat MAINPP Bantuan Dermasiswa
Zakat Majlis Agama Islam Negeri Pulau Pinang (MAINPP)
Need-based · Partial / tiered · Diploma / TVET, Degree
Bursary; amount not published; check the provider
- Zakat MAINPP Skim Agihan Permulaan ke IPT 2026
Zakat Majlis Agama Islam Negeri Pulau Pinang (MAINPP)
Need-based · Partial / tiered · Pre-University, Diploma / TVET, Degree
One-off: RM800 (certificate/matriculation/Form 6), RM900 (vocational diploma), RM1,000 (diploma), RM1,200 (degree), RM2,500 (overseas degree); +RM200 for Sabah/Sarawak placements
Frequently asked questions
How many need-based scholarships are there in Malaysia?
Degreemate's catalogue lists 51 need-based scholarships (reviewed August 2026): 19 full sponsorships, 25 partial or tiered awards, 4 convertible loans and 3 study loans. The list is not exhaustive; dates and criteria change every cycle, so confirm on each sponsor's official page.
Do need-based scholarships come with a bond?
14 of the 51 we checked carry a service bond or repayment obligation under their official terms; 37 do not. A bond usually means working for the sponsor for a set period after graduating, or repaying the award.
When do applications for need-based scholarships open?
Most usually open in April, March and August, while 13 accept applications year-round. Exact dates are announced each cycle on the sponsor's official page.
Who can apply for need-based scholarships?
Each sponsor sets its own criteria. In this list, 47 set household income as a criterion, 2 are restricted to Bumiputera students and 18 are limited to students from particular states. Read the full criteria on each scholarship's page.
How do I know which scholarships I qualify for?
Enter your SPM results, state and preferred field in Degreemate's scholarship checker. It compares your profile against each award's official criteria and shows the reason. The result is a guide, not a guarantee of an offer.
Criteria, coverage and dates change every cycle. The sponsor's official page is the authority; we link it from every scholarship page. Catalogue reviewed: August 2026.