1. What is LTAT?

Lembaga Tabung Angkatan Tentera, is a statutory body established by an Act of Parliament, TAT Act 1973 (Act 101) to provide retirement and other benefits to members of the other ranks in the Armed Forces (compulsory contributors) and to enable officers and mobilised members of the volunteer forces in the service to participate in a saving scheme.

2. Who is the Compulsory Contributor?

LTAT’s compulsory contributors are the serving members of the other ranks in the Armed Forces who are required to contribute 10% of their monthly salary to LTAT with the government as employer contributing 15%. The total amount credited monthly is equivalent to 25% of the monthly salary.

3. Who is the Voluntary Contributor?

Voluntary Contributors are officers in the Armed Forces including commissioned officers and mobilised members of the volunteer forces with a minimum contribution of RM25.00 at a multiple of RM5.00 to a maximum of RM2,000.00 monthly.

There will be no contributions from the government and those who are interested can apply to participate in the saving scheme.

4. What are the main benefits of being Compulsory and Voluntary Contributors?

Contributors will receive annual dividend and bonus which will be credited to the members account by end of the year and contributors will also receive special bonus in the form of free unit trust shares. However, this special bonus is based on LTAT’s current financial performance.
Dividends and bonuses that are credited to the contributors’ account will qualify for future dividend and bonuses declared.
Contributions to LTAT is tax deductible (up to RM4,000.00 per year).
Death & Disablement benefits will be paid to the dependents of a contributor who passes away whilst in service.
Withdrawal of contributions will be paid in a lump sum.
Partial withdrawal is allowed for purchase of the first residential house or land for building a house.

5. What other benefits are given to the contributors?

LTAT always strives to identify new benefits to be given to the contributors, family and their next of kin.

Some of the additional benefits provided are:

Anugerah Kecemerlangan Pendidikan LTAT-Yayasan LTAT (AKP LTAT-Yayasan LTAT) provides educational assistance in the form of bursaries to children of ATM personnel in PT3 , SPM and IPTA enrollment, and the children of ATM veteran for PT3.
Low cost houses offered to the personnel of the Armed Forces / retired personnel developed by LTAT group.
MyWIRA app is a new initiative by LTAT that will allow its contributors to have quick and easy access to their account information. MyWIRA app can be downloaded from Google Play Store or Apple App Store for free.

6. How to become a compulsory contributor?

Serving members of the other ranks in the Armed Forces will automatically be a contributor when they enroll in the Armed Forces. Deductions will be made on members’ monthly salary and the contribution amount will be forwarded by UGAT to LTAT on monthly basis.

7. How to become a voluntary contributor?

Officers and mobilised members of the volunteer forces can participate as voluntary contributor by filling up an application form which is available free at (i) LTAT office (ii) download from the LTAT website at www.ltat.org.my (iii) e-kiosks located at main camps. UGAT will be adviced to process monthly deduction on payroll and to forward the monthly contribution to LTAT.

8. How long does it take for an application to be approved?

For the compulsory contributor, membership is automatic as members are enrolled in regular service and the monthly contribution is forwarded to LTAT by UGAT.
For the voluntary contributors, application will be approved immediately when LTAT received the application (subject to limitation of 2 times as a voluntarily contributors) and will be effective when the contributions are forwarded to LTAT by UGAT.

9. Does LTAT distribute annual statement to contributors?

LTAT annual statement is no longer distributed to the contributors. However, contributors can view their contribution statement via LTAT’s online platform, i-Wira.

10. How will the payment be made?

Payment will be made via credit transfer to the contributors’ bank account of choice. Listed are the 15 banks that have been appointed as the panel bank for LTAT:

Bank Code

Bank Name

Bank Code

Bank Name




Public Bank




RHB Bank




Bank Rakyat


Bank Islam Malaysia Bhd


Bank Simpanan Nasional


Alliance Bank


Bank Muamalat






Hong Leong Bank


Standard Chartered

11. When can the contribution be withdrawn?

According to sections 12 Act 101 LTAT, compulsory contributors’ (including commissioned officer) contributions can only be withdrawn when such circumstances occur:

On the death of the contributor;
One month after the contributor has been discharged or has retired from service; or
On the contributor attaining the age of fifty years and where the contributor is an officer on the officer attaining the age of compulsory retirement

For Voluntary contributor, saving withdrawal can be done anytime and are allowed to another opportunity to become a voluntary contributor after the first withdrawal.

However, under sections 15B, contributor also can withdraw a portion of their contribution withdrawal scheme for the purchase of immovable property.