CDAC Singapore 2025: Bridging Ideas and Solution

Founded on 1st September 1992, all working Chinese Singapore Citizens and Permanent Residents started contributing monthly towards the CDAC fund as per their pay slabs.The Chinese Development Assistance Council (CDAC) is famous cause driven self-help group (SHG) which is known for serving underprivileged individuals and families within the Chinese community.

This program has been designed to extend support and uplift the Chinese community by empowering sectors such as education, employment assistance, and social work programs.

Under the CPF rules in Singapore below are the types of contributions required to be made by employees with different races or religions.

Also Read: Step-by-Step Guide to Completing IR8A Submission 2025

Why CDAC Contribution? Know The Key Factors

CDAC contribution has always remained as a prominent pillar in swifting the growth and well-being of the Chinese community within Singapore. The most talked about advantages of CDAC contribution is the emerging support towards educational empowerment. Through this commitment, CDAC has really been able to offer scholarships, bursaries, along with the educational resources that has further provided immense opportunities for the quality education for lakhs of students. CDAC does this by making the financial offering more feasible, hence empowering students to pursue their dream academic courses without any strain on their budgets which ensures that talent and potential are never deprived of any opportunity and growth they deserve.

CDAC has been improving society by focusing and supporting basics like unity, progress, and resilience, know the benefits below;

• Educational Empowerment: CDAC primarily contributes towards educational initiatives enhancing learning opportunities and offering scholarships.
• Employment Assistance: CDAC along with ensuring the quality education and opportunities also provides career guidance, training, along with job placement programs to facilitate community secure their employment chances.
• Social Welfare: CDAC also is highly inclined and hence aids in extending social welfare assistance to the financially weaker section of the society.
• Youth Development: CDAC programs recognises the unique skills which the talented youth holds and then prepares them with learning leading qualities in different capacities.

CDAC Contribution Rate for 2025

As of 2025, the CDAC contribution rates has been designed as per the different monthly income levels:

Is CDAC Contribution Obligatory?

While CDAC has been encouraging the employers and employees in Singapore to contribute for a social cause and asks them to participate in its initiatives for the upliftment of the Chinese community within Singapore, it recognises the gap and respects the diverse opinions and the financial circumstances and viability of the working individuals in Singapore. Hence, it’s quite evident from this flexible rule that CDAC contribution is mandatory completely depending upon the choice. Unlike different mandatory deductions under CPF, CDAC contribution remains a flexible one which enables earning individuals the autonomy to decide if they need to be involved within this cause.

Who Contributes to CDAC?

As per the guidelines mentioned in the Central Provident Fund Act (Chapter 36, Section 76(3)), all working Chinese Singapore Citizens and Permanent Residents can contribute every month towards the CDAC Fund.

Who Does Not Need to Contribute To CDAC?

As we discussed above it’s completely a question of choice and CDAC has outlined certain sections of individuals who are not required to make these financial contributions.

1. Full-Time National Servicemen: Those individuals who are serving full-time National Service are completely exempted from CDAC contribution during their service period.
2. Students: Students who are pursuing full-time education, even within the pre-university level or in higher education institutions, are also exempted to contribute to CDAC.

Also Read: How Can LMS Training Improve Employee Performance?

How To Opt-Out From CDAC?

To opt out from the CDAC contribution, earning individuals in Singapore can follow the process outlined below and stop the CDAC contribution. By simply informing CDAC of their decision, their request will be received and processed seamlessly.

Individuals can easily submit their opt out form to CDAC email at cdacfund@cdac.org.sg. They can also call at CDAC service support to know the process and get it completed

Steps to opt Out of CDAC Contribution;

1. Contact CDAC’s Customer Service
2. Provide personal/work Information
3. Mention the opt-out request
4. Confirm the opt-out decision
5. Receive Confirmation from CDAC

Conclusion

CDAC is known for offering society improvement services like career counselling, Skill Development Workshops, Social Welfare Support, Community Engagement Activities. They have greatly recognised the major factor helping an individual, then a society and then a nation grow and become a strong economy and hence focus on quality education and its concerning factors.

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