U-Save & S&CC Rebates 2026 for HDB Home Business Owners

Up to S$570 for HDB Home Business Owners

If you run a home-based business from your HDB flat, you may be eligible for significant government rebates in the 2026 financial year. The Ministry of Finance (MOF) and HDB have confirmed the continuation of the U-Save rebates and Service & Conservancy Charges (S&CC) rebates as part of the permanent GST Voucher (GSTV) scheme.

What Are U-Save and S&CC Rebates?

The U-Save (Utilities-Save) rebate is a quarterly credit applied directly to your HDB utilities account to offset electricity and water bills. The S&CC rebate offsets your monthly Service & Conservancy Charges, which are payable for all HDB flats.

For home business owners, these rebates are particularly valuable because your home serves as your workplace. Higher utility usage from running a home baking business or home office means every dollar saved on utilities and service charges directly improves your profit margin.

How Much Can You Get in 2026?

The exact rebate amount depends on your HDB flat type. The table below shows the total U-Save rebates for FY2026 (April 2026 to March 2027) and the S&CC rebates by flat type, based on the official MOF announcement.

Source: Ministry of Finance, GST Voucher Scheme – U-Save Rebates FY2026. Figures are based on published rates. Rebates are credited quarterly.

Am I Eligible as a Home Business Owner?

Eligibility for U-Save and S&CC rebates is based on your household status, not your business registration. According to the Ministry of Finance, you qualify if:

• You live in an HDB flat (yours is the registered address with HDB)
• At least one household member is a Singapore citizen
• You have no more than one property (HDB rules)

Note on rental: If your flat is partially rented out or not rented out, there must be at least one Singaporean owner or occupier. If the entire HDB flat is rented out, there must be at least one Singaporean tenant. Households whose members own more than one property are not eligible for U-Save rebates. Source: MOF

Your ACRA business registration and home-based business status do not affect eligibility. Even if you have registered a sole proprietorship or private limited company using your home address, you still receive the rebates automatically.

If you are unsure whether your business activity is permitted under HDB rules, review our complete home-based business license guide or consult HDB directly.

Do You Need to Apply?

No application is required. The rebates are automatic for eligible HDB households.

• U-Save rebates – Credited directly to your utilities account with SP Services every quarter (April, July, October, January). You will see the deduction in your SP Services bill.
• S&CC rebates – Automatically deducted from your monthly S&CC bill with your respective Town Council. If you pay via GIRO, you will see a lower or zero charge for the rebate months.

For home business owners who have registered their business with ACRA through a registered filing agent, the rebates apply regardless of your business structure.

When Will You Receive the Rebates in 2026?

The rebates are spread across four quarters. For home business owners with higher utility usage (e.g., home bakers using ovens or home office users running computers and air conditioning), the U-Save rebate helps offset the increased electricity costs of operating a business from home.

How to Maximise These Rebates for Your Home Business

• Keep your HDB address current – Ensure your flat is your official residence. If you moved, update your address with HDB and SP Services.
• Register your business properly with ACRA – Using your residential address as your business address is permitted under the Home Office Scheme. Our company incorporation guide for Singapore citizens and PRs explains how.
• Check your SP bill – The U-Save rebate appears as a line item on your utilities bill labeled "GSTV – U-Save". Verify it is reflected each quarter.
• Check your S&CC eligibility online – Residents can check their S&CC rebate eligibility by logging into MyHDB Page via Singpass and following: My Flat > Purchased/Rental Flat > View Service & Conservancy Charges (S&CC) Rebate. Source: MOF
• Combine with other business deductions – While rebates reduce your household expenses, your home business may also qualify for tax deductions on utilities. Consult our tax incentives guide for details.

What If Your Home Business Grows Beyond HDB Limits?

The U-Save and S&CC rebates are designed for HDB households, not commercial entities. If your home business scales significantly, you may need to upgrade from a home business to a private limited company and move to a commercial space.

Signs it is time to upgrade include:

• Annual revenue exceeds S$100,000
• You need to hire employees beyond the Home Office Scheme limit of two
• You require a commercial address for credibility or client meetings

Once you move to commercial premises, you will no longer receive HDB rebates. However, commercial properties have their own tax benefits, including deductible business expenses and GST input claims.

Frequently Asked Questions