The SINDA Fund was set up in 1992 as a community fund for the benefit of the Singaporean Indian community. Through this Fund, SINDA is able to benefit lives in the community, including children, students, youths, families and the elderly.
All working Indians who are Singapore Citizens, Permanent Residents or Employment Pass holders and who are of Indian descent (including Bangladeshis, Bengalis, Parsees, Sikhs, Sinhalese, Telegus, Pakistanis, Sri Lankans, Goanese, Malayalees, Punjabis, Tamils, Gujaratis, Sindhis and all people originating from the Indian sub-continent) should contribute to the SINDA Fund.
The contribution rates are:
| Monthly Total Wages of Employee | Monthly Contribution by the Employee |
|---|---|
| $1,000 or less | $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 |
Employees – Frequently Asked Questions
Is contribution to the SINDA Fund mandatory?
Yes, all employees (including full-time, casual, part-time, temporary staff) are required to contribute to SINDA Fund.
Why should I contribute to the SINDA Fund?
Each Self-Help Group (SHG) is set up to help less-privileged individuals in its respective community. As a SHG, SINDA works hand-in-hand with a wide network of stakeholders to uplift Singaporean Indians. Your contribution as a member of the community will help to improve the lives of in-need children, students, youths, families and the elderly.
How does SINDA utilise my contributions?
SINDA channels your contributions towards a wide range of programmes and assistance schemes for those in need. These include tuition and enrichment for children, motivational programmes for youths, support to in-need families and elderly support. These groups of people also benefit from financial help if they are from low-income backgrounds.
Are contributions to SINDA Fund tax deductible?
Yes, SINDA is an Institute of Public Character (IPC) and there will be a 2.5 times tax exemption for contributions.
What should I do if I wish to discontinue my SINDA Fund contribution?
We strongly encourage you to consider contributing to the SINDA Fund to help in-need members of the community. However, should you still wish to reduce your contribution to a lesser amount or opt out of your contribution, please complete the digital notification form by clicking the link on this page to notify SINDA and your employer.
What is the validity period of the processed SINDA Fund form?
A processed SINDA Fund form is valid throughout your employment with the same employer. In the event of a change in employer, you are required to submit a new form, should you wish to reduce or opt out of your SINDA Fund contribution.
If I previously opted out and wish to resume contributions, what should I do?
Inform your HR department to resume deductions from the next payroll cycle. No form is required.
Do I need to contribute during no-pay leave?
No, contributions are not required during periods when no salary is received.
Can I request for a letter from SINDA for the contributions I have made?
Your contribution statement may be available from your company’s HR department. SINDA does not have purview over individual contributions, as we receive only collated information from the CPF Board. Hence, we are unable to provide a letter or certificate stating an employee’s individual contribution to the SINDA Fund.
Employers – Frequently Asked Questions
Who is required to contribute to the SINDA Fund?
All working Indians who are Singapore Citizens, Permanent Residents or Employment Pass holders and who are of Indian descent (including Bangladeshis, Bengalis, Parsees, Sikhs, Sinhalese, Telegus, Pakistanis, Sri Lankans, Goanese, Malayalees, Punjabis, Tamils, Gujaratis, Sindhis and all people originating from the Indian sub-continent) should contribute to the SINDA Fund.
What type of salary attracts SINDA Fund contribution?
SINDA Fund contributions are based on total gross income earned in a calendar month.
Which Self-Help Group should I contribute to if I have a double-barrelled race on my NRIC?
If the first component of your double-barrelled race on your NRIC is Indian, you should contribute to the SINDA Fund. However, each individual can choose which SHG to contribute to.
Are Company Directors required to contribute?
Directors who are salaried are considered employees and are required to contribute.
Must self-employed individuals contribute to the SINDA Fund?
Self-employed individuals may voluntarily contribute via the GIRO Scheme.
If an employee works for more than one company, is SINDA Fund deducted by each company?
Yes, contributions are payable for each employer unless the employee opts to contribute only through one employer.
Are students on internship programmes required to contribute to the SINDA Fund?
Contributions to the SINDA Fund are payable for students on internship programmes, if CPF contributions are payable.
My employee has left the organisation. Do we still need to contribute for SINDA fund?
Contributions are payable as long as there are outstanding wages payments to be made.
Can employers request a refund of SINDA Fund contributions?
Refunds are allowed if contributions were made in error and must be requested within one year, with supporting documents. Employers may contact SINDA via email and they will receive a link to upload the required supporting documents, for review and processing.
What should I do if I omitted or underpaid the SINDA Fund contribution amount?
Employers are required to pay back starting from January of the current year even if there were omissions for past years. Employers are also required to begin deducting the correct contribution amount from employees starting from the current month.
If an employee is stationed overseas and the payroll is processed in Singapore, is the employee required to contribute?
Employees stationed overseas whose payroll is processed in Singapore are still required to contribute to the SINDA Fund.
SINDA Fund Fix/Opt-out
Each year, SINDA works to improve the lives of thousands of Singaporean Indian students, families and individuals in need. Our help services include:
- Financial help to people in need, including low-income families, the elderly and physically-challenged individuals
- Providing subsidised education to low-performing students
- Providing bursaries, school essentials and meals to students in need
- Providing enrichment and growth opportunities to youths
- Building resilience and self-confidence in those facing challenges in life
You can read more about SINDA’s programmes and services here.
Your monthly contributions to the SINDA Fund have made such community betterment efforts a reality, and go a long way in bringing meaningful difference to lives. With your help, we can build a stronger and more vibrant Indian community together.
We appeal to you to reconsider opting out of SINDA Fund contributions. Should you wish to consider to fix or opt out of your monthly contributions, please complete the digital notification form using the link below to notify your employer and SINDA.
(With effect from 27 October 2025, only submissions made through this link will be accepted for processing).
SINDA is grateful for your continued support.