Paying Government Fines in Installments via Etimad: A Decision Within 24 Days, and the Window Closes on January 1, 2027

Etimad is among Saudi Arabia's top searches today, and the reason is a new service: private-sector and non-profit establishments can now request, online through Etimad, to pay in installments the government fines registered against them on the Efaa platform. The short version for an owner: the authority that issued the fine reviews your request within 10 days, and the Ministry of Finance decides within 14 days, about 24 days in total. But the exception that allows installments expires by January 1, 2027, roughly 7 weeks from today, unless it is extended or the new State Revenue Law takes effect first. The hard part of the request is not the form; it is the financial data you will be asked for.

What changed on Etimad this week

The National Center for Government Resource Systems announced that a fine-installment request service is ready on Etimad for private and non-profit establishments, covering violations that government entities have recorded against the establishment on Efaa, according to Al-Eqtisad on November 9, 2026. According to Sada Tabuk, citing the service guide:

• The establishment selects one or more registered violations, and the total amount due is displayed.
• It proposes a repayment period, and the system calculates the installment amount electronically before the request is formally submitted.
• The government entity that issued the fine reviews the request, which is then referred to the Ministry of Finance to assess the establishment's financial position and ability to pay before a final decision.
• The guide sets no minimum or maximum value for eligible fines and no cap on the number of installments.

The legal basis: what Decision 105 actually says

The service is not a standalone initiative. It is the digital implementation of Council of Ministers Decision No. 105 dated 22/01/1448 AH and Royal Decree No. M/44 dated 28/01/1448 AH, both published in the Umm Al-Qura official gazette on July 24, 2026. The official text provides:

• The exception: as an exception to Articles 20 and 22 of the State Revenue Law, financial fines owed to the state by private and non-profit establishments may be paid in installments, under rules approved by the Minister of Finance.
• The process: the establishment applies to the authority that issued the fine, which studies it and refers its findings to the Ministry of Finance within 10 days; the Ministry decides within 14 days of receipt.
• A second chance: an establishment may apply even if an earlier request was not approved before the decision took effect.
• Duration: it applies from the day after 14 days have passed since publication and ends by January 1, 2027, or when the draft State Revenue Law and its implementing regulations take effect, whichever comes first.
• Automation: the decision tasked the Saudi Data and AI Authority and the National Center for Government Resource Systems, in coordination with the Ministry of Finance, with automating installment requests for debts owed to the state through national platforms within 45 days. The service now on Etimad is the result of that clause.

The financial documents: where most establishments stall

The decision ties approval to the establishment's ability to pay, which is why the service guide, as reported by Sada Tabuk, asks for financial and bank disclosure: the bank name, the statement period, total deposits, the closing balance, financial statements or a letter stating they are unavailable, a SIMAH credit report, commercial debtor records, and proof of existing financial and contractual obligations.

An establishment that keeps its books in scattered ledgers or Excel sheets that do not reconcile with the bank will spend days assembling these figures, and may submit contradictory numbers that weaken its request. One that closes its books monthly in an accounting system reconciled with the bank can pull most of this data in an hour. The difference is not only technical; it is the credibility of your request before the authority judging your ability to pay.

Before you apply: know what is registered against you on Efaa

Many establishments discover a violation only when a service stops or a registration renewal fails. The Ministry of Finance explains on its page for paying government violations registered against establishments that Efaa shows every violation issued by government entities, such as environmental, commercial, traffic and intellectual property violations; that the lookup uses the commercial registration or establishment number; that the service is free; that payment is via SADAD, mada or credit card; and that support is on 19990.

• Make one employee responsible for checking Efaa monthly, and log every violation with its date and issuing authority.
• Separate what you will contest from what you accept: installments are for amounts you will actually pay.
• Remember that Etimad's guide for exemption and installment requests says no request can be filed on a debt that already has another active request, so do not duplicate applications.

The Origami view

What stands out is not the installments themselves but the path: a decision issued in July, an order to automate it through national platforms within 45 days, and it reaches the business as an online form that calculates the installment automatically. Government now deals with businesses through data, judging ability to pay from bank statements and a SIMAH report, not from a letter explaining circumstances.

That is why we see readiness for this service and the ones that will follow as starting inside the business: books closed monthly, reconciled bank statements, and a clear record of obligations. An establishment with this data ready benefits from each new government facility within days; one without it misses the deadlines. If you want to know where to start organising your company's data, that is what we work on in Origami's services.

The bottom line: what to do this week

• Log in to Efaa with your commercial registration number and pull the list of violations registered against your establishment and their total value.
• Prepare bank statements and the latest available financial statements, and request your establishment's SIMAH credit report.
• File through Etimad early: the legal process takes up to 24 days, and the exception ends by January 1, 2027.
• If an earlier request was rejected before the decision took effect, the text allows you to apply again.