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Benefits

There are two two types of benefits provided by NPPF: Pension and Provident Fund.

Provident fund is paid in lump-sum i.e. accumulated contribution and rate of return. The rate of return is declared and credited to each individual account based on the investment performance. The rate of return is credited to contribution as well as accumulated interest.

Pension is a stream of income paid regularly to the members qualified for monthly pension with a minimum of 10 years of contribution and retired attaining the superannuation age. The benefit is defined by the formula that specifies the amount of benefit as percentage of basic salary.


Armed Forces

      Monthly pension = (45% x Final Basic Salary x No.of years of service)/27
      Where, Final Basic Salary is the average of the last 12 months.


For civil employees

      Monthly pension = (40% x Final Basic Salary x No.of years of service)/30

Early pension prior to five years of superannuation age is paid with reduced pension amount of 6% per annum.
Members who are not qualified for monthly pension are paid lump-sum benefit i.e. all the contributions and d rate or return.
Read more for eligibility criteria and pension benefit amount.

Links

  • Scheme
  1. Joining the scheme
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  1. Member Loan
  2. Education Loan
  3. Student Loan
  4. Housing Loan
  5. Member Home Loan
  • Pensioners
  1. Preparing for Retirement
  2. Becoming a pensioner with NPPF
  3. Benefits
  4. Eligibility Criteria and Benefit Formula
  5. Benefit Disbursement
  6. Dos and Don'ts
  • Compliance Matters

Lending Rate

"Available during office hours"

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In line with RMA’s notification on the 3rd revision of MLR from 6.66% to 6.51% dated August 03, 2017, the National Pension and Provident Fund (NPPF) would like to inform that there is no change in the interest rates for member loan products. However, interest rate for corporate clients has been revised.

Revised Lending Rate
# Loan Product Tenor (Years) Current Rate
1 Education Loan 5 9.50%
10 9.70%
15 10.00%
2 Housing Loan (Commerical) 20 10.50%
3 Member Home Loan 20 9.0 % (fixed) and 8.0% (5-years reset)
4 Student Loan up to 15 8% during gestation 9% thereafter
5 Member Loan 5 8.5%
6 Flat Purchase 20 8.75% (fixed) and 7.75% (5-years reset)

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