HCP/ PC Information

Golf Course/ Slope Rating

  Men's Blue Tee Men's White Tee Ladies' Red Tee Ladies' White Tee
Front 9 35.8 / 137 35.1 / 126 36.6 / 140 37.8 / 145
Back 9 36.7 / 149 35.3 / 136 37.2 / 135 38.5 / 155
18 Holes 72.5 / 143 70.4 / 131 73.8 / 137 76.3 / 150
Tee Posiitions Blue White Red White
Course Handicap Table

USGA Handicap System

This handicap system makes the game of golf more enjoyable by enabling golfers of differing abilities to compete on an equitable basis. This article will attempt to explain to members, in as simple a manner as possible, the intricacies of the USGA Handicap System.

Definitions of the System

Before working on an example using the Handicap System, here are some definitions used in the System.

a. Equitable Score Control (ESC)

If you have been playing well and then “blow up” a few holes with double-digit figures, the system will not accept those high scores for handicapping purposes. The maximum allowable score will be based on the following table:
If your course handicap is: Your maximum allowable score on ANY hole is
9 or less Double Bogey
10 - 19 7
20 - 29 8
30 - 36 9

b. Adjusted Gross Score (AGS)

This is what we get when we apply the ESC to the raw score you submitted. So, if you replace all the “blow-up” holes with the maximum allowable scores according to the chart above, your new total will be the AGS for that round.

c. Course Rating (CR)

This is the playing difficulty of a course for scratch golfer under normal course and weather conditions. The CR can be found on the scorecard.

d. Slope Rating (SR)

Put simply, SR is the measurement of the relative difficulty of a course. It recognises that some courses are more difficult than others and attempts to measure that difficulty. In the USGA system, the lowest SR is 55 and the highest is 155, and a golf course of standard playing difficulty has a SR of 113.

e. Handicap Differential (HD)

A HD is calculated for every scorecard submitted by a player. This takes into account the AGS for the round, the CR and SR for the course. The formula used in the USGA Handicap System is: HD=(AGS - CR) x 113/Slope Rating

f. Handicap Index (HI)

A HI is a measurement of a player’s potential ability on a course of standard playing difficulty expressed up to one decimal point. After converting all the submitted raw scores to HDs using the above formula, the system will select the appropriate number of HDs using the following table:
Number of Scorecards you have submitted Number of HDs Used to Calculate HI
5 to 6 Lowest 1
7 to 8 Lowest 2
9 to 10 Lowest 3
11 to 12 Lowest 4
13 to 14 Lowest 5
15 to 16 Lowest 6
17 Lowest 7
18 Lowest 8
19 Lowest 9
20 Lowest 10
The selected HDs are then averaged out, and multiplied by 0.96. The resulting number to one decimal place (no rounding up or down) is your Handicap Index.

g. Course Handicap (CH)

To convert a HI to a CH, refer to the Course Handicap Table, found usually on the first tee. This table uses the SR of the course to convert a HI to a CH. (Note: If the Slope Rating of the course is 113, your Handicap Index will be your Course Handicap rounded to the nearest whole number.)

Calculating a Handicap Index

For the purpose of this example, let us assume that you have returned a raw score of 104 for 18 holes on a course with a Course Rating of 71 and a Slope Rating of 120. You also have scored two 10s, and a 9 during the round. From the Equitable Score Control chart, you will note that you are allowed to score a maximum of eight on any hole. So you will deduct 5 from your raw score, giving yourself an Adjusted Gross Score of 99. From the formula provided, your Handicap Differential for this particular round of golf is: Handicap Differential = (99 – 71) x 113/120 = 26.366 = 26.3 Moving along, let us assume that you now have submitted 7 cards, and the calculated HDs for the submissions are 26.3, 22.5, 29.9, 25.5, 29.5, 29.8, and 24.3. From the HI chart you will need to select the two lowest Handicap Differentials to calculate your Handicap Index. These are 22.5 and 24.3. The average of the two is (22.5 +24.3)/2 = 23.4 Multiply this by 0.96, and your Handicap Index is 22.4 Why this multiplication by 0.96? This is called a “Bonus for Excellence” and is the incentive that is built into the USGA Handicap System for players to improve their golf games. As your Handicap Index improves (gets lower), you have a slightly better chance of placing high or even winning a handicap event. So, the next time you play a course, stop by the Course Handicap Table and find out your Course Handicap using your Handicap Index of 22.4

Implications for Golfers With Few Submissions

You would have noted in the example given that the calculated Handicap Index is significantly lower than the simple average the seven Handicap Differentials. If you refer to the definition of a Handicap Index, you will note that the Handicap Index is a measure of the golfer’s potential ability. As the calculation for the HI is done using the lowest scores, it is easy to see why the Handicap Index will pected to stabilise upwards with the submission of more cards, and more HDs are selected for the calculation. Remember to check your Handicap Index with the Club before you be considerably lower than current capability for golfers with fewer submissions. The HI can be explay in a tournament to avoid playing to a wrong handicap index and subsequently being disqualified.

Submission of Score Cards Reminder

  1. Players should submit scorecards as soon as practicable after completion of the round(s).
  2. Post scores from both home and away.
  3. Post scores in all forms of play-match play, stroke play, even team competitions in which you were requested to take up.
  4. Post your score when you play at least 13 out of 18 holes or at least seven out of nine holes. On the hole(s) you didn’t play, record a par plus any handicap strokes you would have received.
  5. If you play less then seven holes, indicate in the card “played less then seven holes” and submit in the scorecard submission box.
  6. Post a score if you play two nines even if it is the same nine, or nines from different days.
Note: The material used for this article was culled from the USGA website at http://www.usga.org/playing/handicaps/manual/manual.html

Proficiency Certificate

A Keppel Member who does not posses any official handicap index or is a beginner must first apply for a Proficiency Certificate (PC) test. The PC test will be conducted in two separate sessions:
  1. PC range test
  2. PC workshop on Golf Etiquette & Golf Rules
A member of the Club’s Handicap Committee will conduct the PC range test to ensure that the tested candidate demonstrates a reasonable skill in ball striking abilities e.g., good contact in ball striking, able to hit short, mid, long irons/fairway woods/hybrids and ball strike must be able to take off consistently. A candidate who passed the range test must then undergo the PC workshop on Golf Etiquette & Golf Rules before being proficiency certified. Only a successful candidate will be issued a temporary golf bag tag.


  1. Keppel PC holders are only recognised within Keppel Club.
  2. Keppel Club will only recognise a member who has undergone and passed the PC test in Keppel.
  3. A person holding a PC not issued by Keppel Club will have to take the PC test again if he/ she wants to play at Keppel Club.
  4. Keppel PC holders must apply for golfers’ insurance at the administration office.
  5. A Keppel junior with a PC must be accompanied by an adult at all times.
  6. Keppel PC holders will not be allowed to book online. Members are to follow Keppel Club booking procedures.
  7. Keppel PC holders will be allowed to play.
For PC test application procedures, please contact our golf reception at 6375-5569/70/71.


A Keppel Member is required to sit for a Courtesy Round (CR) before being awarded an official USGA Handicap Index. A member of the Club’s Handicap Committee will conduct the CR to ensure that the tested member possesses a reasonable understanding of the rules of golf, golf skills and awareness of etiquette required during the Courtesy Round.

Pre-requisites For The Courtesy Round

To be eligible for CR, a candidate must have:
  1. Passed the Proficiency Test.
  2. Attended and passed the Golf Workshop on etiquette and golf rules.
  3. Can only apply for the test three months after passing the PC test.
  4. Submitted 10 x 9-hole game scorecards or 5 x 18-hole game scorecards that generate a Handicap Index of at least 36.4 for men and 40.4 for ladies.
  5. A member without any card submissions (*) reflected in the computer system will not be allowed to sit for the round.
  6. Member must have golfers’ insurance coverage.

Conduct Of The Courtesy Round

  1. The CR will be conducted over nine holes only.
  2. A candidate will be judged on his turnout, golfing skills, understanding and knowledge of etiquette and rules.
  3. A candidate must collect their course ticket at the golf booking counter.
  4. Report to golf office/tester 15 min before tee-off time.


A candidate must collect his course ticket at the golf booking counter. A candidate must report to the golf office/tester 15 minutes before tee-off time.

Golfing Etiquette/ Rules

A candidate must demonstrate an adequate understanding and knowledge of golf etiquette and rules. Failure to show basic etiquette and demonstrate an understanding of a golf rule, e.g., not repairing divots and pitch marks, not raking bunkers, slow play etc, may result in a retest.

Golfing Skill

A candidate must demonstrate a reasonable skill in ball striking abilities. For Handicap test application procedures, please contact our golf reception at 6375-5569/70/71.

Other Important Considerations

Click on the buttons below for more details.
  • All insurance claim forms are obtainable at Administration Office / Golfing Office.