How to check your MARA education loan balance on eBaki: log in, register, print statements
- Check your balance on apps.mara.gov.my/ebakiv2 with your identity card number and password, or MyDigital ID.
- No account yet? Click Daftar Pengguna Baru (register new user) and enter your new identity card number.
- The Annual Statement and Repayment Schedule are no longer posted. Print them yourself on eBaki.
- Repayment starts in the seventh month after sponsorship ends, according to the MARA FAQ.
- Missing payments for three consecutive months can get a borrower blacklisted.
Source: MARA: eBaki portal and e-Baki FAQ
MARA education loan balances and statements are checked on eBaki (apps.mara.gov.my/ebakiv2) with your identity card number and password, or MyDigital ID. Annual Statements and Repayment Schedules are no longer posted and must be printed yourself.
eBaki is the Majlis Amanah Rakyat (MARA) system for checking the balances and statements of MARA loans, facilities and scholarships. This guide is based on the eBaki portal and the e-Baki FAQ shown on it, which we read on 25 Oct 2026.
How to log in to eBaki
- Open apps.mara.gov.my/ebakiv2. Type the address into your browser yourself.
- Enter your identity card number and password, then click "Log Masuk" (log in). You can also choose "Log Masuk MyDigital ID".
- If you have not registered, click "Daftar Pengguna Baru?" (register new user) and enter your new identity card number. Your old identity card number or company registration number is filled in if you have one.
- If you have forgotten your password, click "Lupa kata laluan?" on the login page.
What you can check and print
- Loan balance and financial statement: including whether a payment you made has been received. According to the FAQ, check three working days after the payment date.
- Annual Statement: since 2015, MARA no longer sends it by post. You print it yourself on eBaki.
- Repayment Schedule: since 2017, the schedule is no longer sent by post and can be printed on eBaki.
- Repayment deferment status: can be checked and printed on eBaki.
The eBaki login page also links to online conversion applications, online loan payments, the FAQ and Contact Us.
When repayment starts
According to the e-Baki FAQ, repayment of a MARA education loan is scheduled to start in the seventh month after the student's sponsorship ends.
A repayment deferment is considered only if the borrower continues full-time studies. Applications are made to MARA's Credit Control Division, with a confirmation letter from the institution stating the programme name, start date and expected end date.
The same FAQ states that borrowers are blacklisted if monthly payments are not made for three consecutive months.
Contacting MARA
The main MARA Call Centre line is 03-2613 2000. Loan enquiries can also be made through the Contact Us link on the eBaki portal.
Beware of fake links
Check balances and pay loans only through MARA's official portal. Do not open "loan balance check" or "settlement discount" links from unknown messages, and never give your eBaki password to anyone.
If you have been scammed, call the 24-hour 997 line as soon as possible so the accounts involved can be blocked (Berita RTM, 6 Jul 2026). You can check a suspicious message with our Scam Message Checker.
Frequently asked questions
How do I check my MARA loan balance
When do I start repaying my MARA loan
Where can I get my MARA loan annual statement
What happens if I do not repay my MARA loan
Can I defer repaying my MARA loan
Sources & how we checked
- eBaki system: login — Majlis Amanah Rakyat (MARA) · accessed 25 Oct 2026
- eBaki system: new user registration — MARA · accessed 25 Oct 2026
- MARA e-Baki FAQ (Education Sponsorship Division and Credit Control Division) — MARA · accessed 25 Oct 2026
- Scam victims urged to call 997 at once to block transactions (6 Jul 2026) — Berita RTM · accessed 25 Oct 2026
Checked on 25 Oct 2026 against the login and new user registration pages of MARA's eBaki portal and the e-Baki FAQ hosted on it (Credit Control Division: repayment schedule, deferment, payment checks, annual statements and blacklisting). The eBaki portal and FAQ were rechecked on 27 Oct 2026.
The first draft of this article was AI-assisted from the sources above. Every figure was checked by Amirul.
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