All working Indians in Singapore who are Singaporeans, Permanent Residents, Employment Pass holders and from the following groups with ethnic origins in the Indian sub-continents, such as Bangladeshis, Bengalis, Gujaratis, Parsees, Sikhs, Sinhalese, Telugus, Pakistanis, Sri Lankans, Goans, Malayalees, Punjabis, Sindhis and Tamils) may contribute a monthly sum to the SINDA fund, according to the income levels indicated below:

Income Range
Minimum Monthly Contribution
Up to $600 $1.00
$601 – $1,500 $3.00
$1,501 – $2,500 $5.00
Above $2,500 $7.00

The new rates from 1 January 2015 are as follows:

Total amount of an employee’s wages for the calendar month
Contributions payable by an employee for the calendar month
≤ $1,000 $1.00
> $1,000 to $1,500 $3.00
> $1,500 to $2,500 $5.00
> $2,500 to $4,500 $7.00
> $4,500 to $7,500 $9.00
> $7,500 to $10,000 $12.00
> $10,000 to $15,000 $18.00
> $15,000 $30.00

Who is affected by the change?

  • Anyone earning more than $2500 has been contributing a flat rate of $7 per month. The middle income group earning up to $4500 continues to contribute the same quantum at $7 per month.
  • The upper middle income of those earning from $4500 to $7,500 will see an increase by $2, paying $9 per month.
  • The higher earners will contribute more at $12 or $18.
  • Only those earning more than $15000 per month will contribute $30 per month.

Why is there a need to increase in SINDA Fund contributions?

  • The revision to the rates was last done in 1996. Since then, salaries have gone up in tandem with the rising cost of living.
  • Following the SINDA 2020 review and the need to increase our reach and enhance programmes and services there is an increase in expenditure. We have also experienced budget deficits over the last 3 years.
  • As we continue to increase our reach and expand our services to the right target group, we expect our costs to go up, and hence appeal to the community to contribute more.

How is SINDA going to use the additional funds?

  • The increased contributions will go towards improving the quality of our existing programmes, introducing new programmes and expanding our reach to specific target groups.
  • The prescribed amounts will be automatically deducted from the wages of employees. If any employee wishes to contribute different amounts or opt out of the scheme, he has to obtain the relevant forms from SINDA and submit them to his employers. Foreign workers on the Foreign Worker Levy Scheme do not have to contribute to the Fund.

If you wish to reduce or opt out of your monthly contributions, please fill in the form below.