Lembaga Tabung Haji Dividends

Below is the complete historical payout track record compiled from iSaham's Historical Dividends Tracker and Ecentral's TH Reports:

Annual Profit Distribution Rates (1994–2025)

All announced rates are fully net payouts distributed directly to accounts after Tabung Haji deducts and settles the 2.577% corporate zakat obligation on behalf of all Muslim depositors. [1, 2]

Financial Year	Base Dividend / Hibah	Special Bonus Payout
2025	3.50%	None
2024	3.25%	None
2023	3.10%	None
2022	3.10%	None
2021	3.10%	None
2020	3.10%	None
2019	3.05%	None
2018	1.25% (Historic restructuring low)	None
2017	4.25%	+ 1.75% Hajj Bonus (for 1st-time pilgrims)
2016	4.25%	+ 1.50% Hajj Bonus
2015	5.00%	+ 3.00% Hajj Bonus
2014	6.25%	+ 2.00% Hajj Bonus
2013	6.00%	+ 2.00% Hajj Bonus
2012	6.50%	+ 1.50% Hajj Bonus
2011	6.00%	None
2010	5.50%	None
2009	5.00%	None
2008	5.00%	None
2007	5.00%	+ 2.00% Special Bonus
2006	4.75%	None
2005	4.50%	None
2004	4.30%	None
2003	4.00%	None
2002	3.50%	None
2001	3.25%	None
2000	5.50%	None
1999	8.00%	None
1998	8.00%	None
1997	9.50% (All-time peak yield)	None
1996	9.50%	None
1995	9.50%	None
1994	5.50% (Inaugural distribution year)	None
1963–1993	0.00%	No payouts offered during early years

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Crucial Distribution Mechanics

• Monthly Minimum Calculation: Dividends are strictly derived from your lowest net balance recorded each month (from January 1st to December 31st) rather than your closing balance. [1, 2]
• Hajj Bonus Rules: Past historical "Hajj Bonuses" were capped exclusively at a maximum deposit of RM9,980 and reserved solely for depositors who had not yet performed their pilgrimage. [1]
• Interesting, an all-time peak yield of 9.50%, in the years 1994 to 1997!
• An all-time low of 1.25% after the debacle and restructuring after Pakatan Harapan tookj over the government after GE14 in 2018!
• After the restructuring and under the new leadership of the chairman, the board of directors, and a professional, competent management team, LTH returned to a stronger and more sustainable footing through the implementation of strategic plans, reforms, and improved governance, all without government interference. 
• Check out the full article :: Tabung Haji bailout in 2018 averted massive deposit withdrawal, financial market crisis 
• So it looks like the LTH can be a going concern under proper management and without the interference of politicians.
•  TH depositors ask the same question: why is the dividend lower than what EPF or ASB offers? The answer lies in three key differences.

  First, investment structure. EPF and ASB prioritise maximum returns through equities, bonds, real estate, and global financial instruments. TH, on the other hand, maintains strict Shariah compliance, investing conservatively to ensure high liquidity for Hajj withdrawals. This means lower risk, but also lower returns.

  Second, zakat payments. TH pays 2.5775% zakat on behalf of depositors, ensuring their savings are clean. In contrast, EPF and ASB do not automatically deduct zakat, leaving individual depositors to handle it themselves.

  Third, the balance between returns and social responsibility. TH isn’t just about wealth accumulation — it’s about wealth with barakah. Yes, EPF and ASB might offer higher returns, but TH provides a different kind of value: spiritual security. Every sen in TH is guaranteed halal, and depositors benefit from knowing their savings contribute to zakat distributions that support the less fortunate.

  Check out the full article :: The bigger picture behind Tabung Haji’s dividend announcement 

   Additional ::

  1. FT mufti rebuts Mujahid's claim of 'haram' Tabung Haji dividends  :: Opinions differ, dividends not haram.

  2. Mujahid: Depositors shouldn't be happy receiving 'haram' Tabung Haji dividends :: Dividends haram?

  3.  CAP claims existence of 'Malaysian Epstein Class' behind Tabung Haji scandal 

  4.