For most small teams, HR admin is a quiet drain – payroll runs, leave approvals, compliance filings and the software that would lift that weight reads as a cost that’s hard to justify. What many businesses don’t realise is how heavily Singapore funds exactly this kind of digitalisation. The catch is that the schemes are scattered, overlapping, and easy to misread, so most companies claim one, or none. This guide maps every grant that applies to HR software: who each is for, and how they fit together.

Start here: Which grant is yours?

The schemes serve different audiences, so it’s worth knowing where you sit before reading on:

• SMEs → PSG and SFEC, plus the CTC Grant for bigger transformation projects

• Trade associations and chambers → Digi-TAC

• Social service agencies and charities → NCSS TSS

Some of these can be combined, more on that shortly.

Productivity Solutions Grant (PSG)

The most widely used scheme, run by Enterprise Singapore and the IMDA. It covers up to 50% of qualifying costs, capped at S$30,000 per financial year, and HR software is a pre-approved category under SMEs Go Digital.

• Eligibility: registered in Singapore, with turnover of no more than S$100m or fewer than 200 employees, and 30% local shareholding for selected solutions

• The rule that trips people up: it works on reimbursement, so you must apply before signing or paying

• New for 2026: PSG now covers a wider range of AI-enabled solutions

SkillsFuture Enterprise Credit (SFEC)

A one-off S$10,000 credit that covers up to 90% of your out-of-pocket costs, with no application needed, as eligible employers are notified through their Corppass administrator. What sets SFEC apart is that it stacks on top of other grants rather than replacing them.

The deadline is the thing to note: the current credit expires on 30 November 2026, and unused credit won’t carry over, though a redesigned SFEC follows from 1 December 2026.

The smart move: stacking PSG and SFEC

Here’s the part most businesses miss; you can combine these two grants. PSG covers up to 50% of your HR software, then SFEC absorbs up to 90% of what’s left. Stacked, a full HR system costs a fraction of its sticker price but only while the current SFEC window is open.

NTUC Company Training Committee (CTC) Grant

Managed by NTUC’s e2i, the CTC Grant funds up to 70% of a transformation project, with no fixed cap. The trade-off is scope: it requires forming a Company Training Committee and a plan that links new tools to real gains for workers: job redesign, new skills, better pay. It suits businesses planning more than a straight software swap.

Digi-TAC

This one is for Trade Associations and Chambers rather than individual SMEs. Jointly run by the Singapore Business Federation and SGTech, it covers 70% of costs in year one, up to S$60,000 over three years. Eligibility sits with the association itself; membership size, staffing and registration criteria, and it lets a secretariat modernise its own operations rather than only advising members to.

NCSS Transformation & Sustainability Scheme (TSS)

For the social service sector, and the most generous rate here. Run by NCSS, TSS offers up to 80% co-funding, with individual solutions capped at S$40,000 and total funding at S$150,000.

• Open to NCSS members and MSF-funded agencies

• Requires a valid OHFSS assessment, applied for through OurSG Grants

• HR management systems are a named, supported solution

Where JustLogin fits

The common thread is that JustLogin is a pre-approved solution across these schemes, so the same platform is fundable whichever grant applies to you – payroll, leave, attendance, expense, people and appraisal, with Justina, our AI assistant, now built in.

Finding your grant

The barrier to digitalising HR usually isn’t budget – it’s knowing which scheme fits. With that now mapped, the next step is simply matching your organisation to the right one. Explore JustLogin’s grant-supported packages or speak to our team, and we’ll help you find it.