How to Use the e-Insolvensi Portal for Bankruptcy Search

What Is the e-Insolvensi Portal in Malaysia?

The e-Insolvensi portal, managed by the Malaysian Department of Insolvency (MdI), is the official online system for insolvency-related services.

It serves as a secure digital gateway for users to manage various insolvency processes, including:

• Individual Bankruptcy Status check
• Company Winding-Up Status lookup
• Making Monthly Insolvency Instalment Payments
• Depositing Petitioner Security Deposits

This portal is indispensable for anyone needing to verify bankruptcy status quickly, whether for loan applications, property purchase due diligence, employment vetting, or business partnerships.

How Do I Access the e-Insolvensi Portal?

Here’s how to begin using the portal:

1. Visit the official portal at e-insolvensi.mdi.gov.my or log in via the main MdI site
2. First-time users: Click “Daftar Baru” (New Registration).
3. Complete the registration form with:
   
   
   • Full Name
   • MyKad/IC Number
   • Email Address
   • Phone Number, Address, and Postcode
     
     
4. Submit and wait for account activation.
5. For best results:
   
   
   • Use Google Chrome, Firefox, Safari, Opera, or Microsoft Edge
   • Ensure Adobe Reader is installed to view PDF documents
   • Maintain a stable internet connection (recommended ≥ 1 Mbps) 

Security Tip: Always double-check that the URL is exactly “e-insolvensi.mdi.gov.my” to avoid phishing attempts.

Read more: FPX vs DuitNow: What’s the Difference for Online Payments?

How Do I Perform a Bankruptcy Search on e-Insolvensi?

The e-Insolvensi portal, part of Malaysia’s Integrated Insolvency System (INSIST), offers a secure and straightforward way to check if someone is declared bankrupt. It’s widely used by professionals and individuals for due diligence.

1. Log in

Go to the e-insolvensi site and enter your User ID and Password, then click Login.

2. Open the correct service

From the services list, choose “Carian Status Kebankrapan Individu” (Individual Bankruptcy Status).

3. Enter search details exactly as per MyKad

• Key in the full name (as on MyKad).
• Enter No. KP Baru (new IC) without hyphens.
• If available, add Old IC too, for police/army/passport searches, fill the relevant field.
• Click Tambah to add the entry (repeat for multiple names), then Teruskan.

4. Review and choose payment channel

• The system shows the total payable amount for your search(es).
• Select one payment method and proceed:
  • FPX – B2C (individual account), or
  • FPX – B2B (business account), or
  • JomPAY (you’ll use Biller Code 3210 and the Ref-1 transaction ID generated by the portal).

5. Complete payment

Follow your bank’s prompts. After a successful transaction, go to Akaun & Transaksi (Account & Transactions) to retrieve documents. 

6. Download your official result

• When the payment status shows “Berjaya/Pembayaran Selesai”, click Cetak KCR.
• In the results list, click Papar to view your Keputusan Carian Rasmi (KCR), then Cetak or save the PDF. This is the official search certificate confirming whether the individual is a bankrupt.

Tips for Malaysians

• Enter names and IC numbers precisely to avoid mismatches.
• If you need portal help (login or payment issues), MdI lists e-Insolvensi Helpdesk contacts in the manual.

“According to the Malaysian Department of Insolvency (MdI), 233,483 bankruptcy cases were under administration as at December 2023. Data for 2020–July 2024 shows the largest age band is 35–44, followed by 25–34, meaning the 25–44 group forms the majority of cases.” 

Source: Jabatan Insolvensi Malaysia, 2024

How Much Does a Bankruptcy Search Cost in Malaysia?

• MdI e-Insolvensi portal: Each search costs RM10. You pay via FPX (individual or business accounts) or JomPAY, and the system processes the request immediately.
  
• MyEG portal:  Each search costs about RM12. The fee is slightly higher because it runs through a third-party provider, though it still queries the official Insolvency Department database.
  

How Fast Will I Get the Results?

• e-Insolvensi portal: Results are available instantly once payment is confirmed. Users can download or print the Keputusan Carian Rasmi (KCR) certificate directly from the portal.
  
• MyEG portal: Results are delivered by email within 24 hours after payment is made. This is convenient for those already using MyEG’s e-services.

In both cases, the search produces an official MdI certificate, which is generally valid for 30 days and accepted for legal, employment, or financial purposes in Malaysia.

“When purchasing property in Malaysia, your lawyer will usually ask for a recent bankruptcy search result before completion (firms commonly use a 30-day freshness standard, but this varies by firm/bank).”

When Should You Use MyEG Over e-Insolvensi?

While the e-Insolvensi portal is the official and cheaper option (RM10 per search, instant results), MyEG can be more practical in certain situations. You might prefer MyEG if:

• ✅ You already use MyEG services for road tax, summons, or immigration matters and want everything in one portal.
  
  
• ✅ You don’t want to register a new account with e-Insolvensi, MyEG allows you to run a search as long as you have a MyEG login.
  
  
• ✅ You prefer email delivery, results and the official certificate are sent to your inbox within 24 hours, so you don’t need to log back in.
  
  
• ✅ You need multiple searches managed together, MyEG makes it easier to batch services if you’re an employer or law firm.

“For one-off personal checks, e-Insolvensi is cheaper and faster. For frequent or bundled use (HR, legal, compliance), MyEG is often more convenient.”

Read more: Sdn Bhd / Sole Proprietorship / LLP: Which One Right for You?

Conclusion: Why e-Insolvensi Matters 

The e-Insolvensi portal is the fastest and most reliable way to check bankruptcy status in Malaysia. 

From applying for a housing loan to completing a property Sale & Purchase Agreement, or even making critical hiring decisions, this simple online check can prevent costly mistakes and legal complications.

By spending just RM10 and a few minutes online, you gain peace of mind knowing you have accurate, government-verified information. In today’s financial climate, that certainty is invaluable.

Disclaimer: This article is for informational purposes only. Always verify bankruptcy searches via the official e-Insolvensi portal or MyEG, and seek professional legal advice where required.