Malaysia’s Income Classifications: Meaning of B40, M40, T20, and B50

b40 m40 t20 what is that

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Malaysia Income Group: B40, M40, and T20

B40, M40, T20 in Malaysia. Everyone has heard of these income-related terms before. Household per capita income is considered as family income that only households occupied by two/more people related by marriage, birth, or adoption, and it measures the income earned by each individual in a given area.

According to the 2019 statistics in Malaysia, our government classified our population into three main groups based on their gross monthly household income: B40 meaning bottom 40% (low income), M40 meaning medium 40% (average income), and T20 meaning top 20% (high income). 

What is B40 in Malaysia?

B40 represents the Bottom 40% of low-income earners. They are the bottom-tier families that have an income of less than RM4850.

What is M40 in Malaysia?

M40 represents the Medium 40% of average income earners. They are medium-tier families that have an income of between RM4850 to RM10959.

What is the difference between B40 and M40?

The B40 and M40 groups have different income tiers, which affect the types of aid and assistance they are eligible to apply for.

What is T20 in Malaysia?

T20 represents the Top 20% of Top income earners. They are Top tier families that have an income higher than RM10959.


The B40, M40, and T20 income groups are further classified according to the 2019 Malaysia Statistics. Take a look at the table below!

Malaysia Income Classification
B40, M40, and T20 meaning

As for B40/M40/T20, what can I expect from Malaysia Budget 2023?

The Malaysian government announced the latest Malaysia Budget 2023, but how can we benefit from it? Here is the summary.

Read more about Malaysia’s budget for 2023 here!

What is The B50 Malaysia Income Group?

The B50 Income Malaysia Group is categorized as under 50 percent of the low-income group. This group is for those with a monthly income of RM 5,880 or lower and experiencing loss of employment & income reduction of at least 50%.

Currently, it still hasn’t had official news about the income range to define the B50 Malaysia group, but just as an add-on under the URUS (Program Pengurusan dan Ketahanan Kewangan) scheme below.

We may apply for URUS application forms directly through our bank or via internet banking associations or walk into any branches. Urus said multiple banks remain committed to assisting bank customers during this time. After that URUS will contact our respective banks to discuss another loan/financing facility repayment options that would suit their individual financial circumstances to help your economy gradually recovers.

1 B40 B50
2 M40 M30
3 T20 T20

*as per 15 Oct 2021

B50: Resilience Programme & Financial Management Scheme by URUS

In a gist, the Urus Financial Management Scheme is aimed to help the B50 income Malaysia group. The Bernama report states that this new scheme would consist of tax-exempts of up to three months, smaller installments of up to 24 months, and lower interest rates. 

This comprehensive financial aid initiative will also target B40 and B50 groups in Malaysia whose income falls under RM5,880 or experiencing income reduction. 

Other than URUS (Resilience Programme), there are also a few packages announced by the Malaysia Government before as listed below.


Through the announcement by the Prime Minister, YAB Muhyiddin Yassin, the government will assist the people through PEMULIH or the People and Economic Protection Package.

To the people, two focuses will help ease their burden during this difficult time.

Meneruskan Agenda Prihatin Rakyat

The government will channel cash aid to the people amounting to 10 billion ringgit. Direct Cash Assistance includes:

  • Bantuan Prihatin Rakyat (BPR):
  • RM500 for July starting 29 June and RM100 – RM1,400 in September.
  • Bantuan Khas Covid-19 (BKC):
  • Miskin Tegar:
  • Household: RM1,300
  • Payment RM500 August, RM500 November, and RM300 December.
  • Single: RM500
  • RM200 August, RM300 NovemberB40
  • Household: RM800
  • Payment RM500 August, and RM300 December.
  • Single: RM200
  • Payment RM200 AugustM40
  • Household: RM250
  • Payment RM250 August
  • Single: RM100
  • Payment RM100 August
  • Bantuan Kehilangan Pendapatan (BKP)
  • RM500 in October to 1 million people affected
  • Job hunting allowance
  • Through myfuturejobs allowance of RM30

Menyokong Perniagaan

  • Geran Khas Prihatin 4.0 (GKP)
  • Registration mid-July RM500 September and RM500 November.
  • Program Subsidi Upah (PSU 4.0)
  • To aid 500 employees by all employers.
  • Employers can apply aid for employees and no salary cap
  • RM600 each employee throughout 4 months
  • i-Citra
  • Withdrawal KWSP RM5,000. RM1,000 a month. Application opens 15 July at The first payment will be received in August.
  • Moratorium six months to those in B40, M40 or T20, and micro-businesses. Apply and guarantee approval. Application opens 7 July at all banks websites.

2. Kita Prihatin – BPN2.0

After the Malaysian government announced the extension of The Recovery Movement Control Order (RMCO) till the end of the year, they launched “Bantuan Prihatin Nasional 2.0″ (BPN 2.0), a part of the “Kita Prihatin” economic stimulus package, on September 23rd at 2.30 pm.

Prime Minister Muhyiddin announced the below benefits to these groups:

·       RM1000 for B40 families
(Benefits 3.7 Million families)
·       RM500 for B40 single Malaysians
(Benefits 3.8 Million individuals)
·       RM600 for M40 families
(Benefits 1.4 Million families)
·       RM300 for M40 single Malaysians
(Benefits 1.4 Million individuals)

The government will distribute the cash aid to eligible Malaysians in two phases: RM700 at the end of October 2020 and RM300 in January 2021.

Furthermore, the 10.6 million eligible Malaysians will not have to register for the “Kita Prihatin” cash aid and automatically receive it from the government!

3. PEMERKASA – Incentives to help the B40/M40/T20

Here are a few incentives to benefit those in the B40/M40/T20 groups;

7th Incentive

  • From the success of the PenjanaKerjaya 2.0, RM300 million will be allocated to benefit 60,000 where each will receive RM600, and temporary or gig workers will receive RM200 for the next 6 months.
  • Through the National Employment Council, they will create 500,000 job opportunities. 

12th Incentive

  • Starting May 2021, Bantuan Prihatin Rakyat (BPR) receivers will receive a subsidy of RM300 for households with children still in schooling to purchase smart devices.
  • MyDIGITAL and Malaysia Digital Economy Corporation introduced the 5G services needed to inspire innovation, and new job opportunities will start operating by the end of the year.

15th Incentive 

  • The government will provide a one-off financial aid of RM500 to those in the B40 category who has lost their jobs and an additional RM500 to receivers of BPR with an income of RM1,000 and below.

16th Incentive 

  • The mySalam incentive has benefited over 70,000 people from the B40 category. Thus the scheme has been improved by allocating RM50 during the 14 day home quarantine to those affected, which supported documentation from a Medical Office

Did you hear that? You can become a REN starting from RM188!

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