EPF Interest is calculated using the existing account balance and the dividend rate of Konvensional or Shariah account.
The interest is calculated on an annual basis after topup, withdrawal and deductions.
Example.
@ Age 37
EPF Account 1 Balance: $100,000
EPF Contribution (Income): $14,784
EPF Deductions (Investment): $14, 035.20
EPF Remaining Balance: $100,748.80
EPF Interest (@ 6.15%): $6,196.05