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How Do You Become a Member of NPPF?

How Do You Become a Member of NPPF?

Securing Your Future from Day One

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When it comes to planning for the future, especially life after retirement, becoming a member of the National Pension and Provident Fund is one of the most important steps for individuals working in the civil service, state-owned corporations, and the Armed Forces in Bhutan.

When Does Membership Begin?

The moment you begin your career in the civil service, public corporations, or the Armed Forces, you are automatically enrolled into the Provident Fund and Pension Scheme managed by NPPF. This happens as soon as a portion of your basic salary is deducted every month and contributed to your Provident Fund (PF) account. Once this monthly deduction and contribution process begins, you officially become a member of NPPF.

There is no separate application process required—membership is automatic and seamless as part of your employment in the public sector.

Where do Your Contributions Go?
At NPPF, your monthly contributions are not just stored—they are actively managed and invested to generate returns. NPPF strategically invests your funds across various sectors to ensure sustainability and growth, including:

  • Loans (housing, education, personal)

  • Real estate

  • Equities and stocks

  • Government and corporate bonds

  • Fixed deposits

By diversifying investments, NPPF ensures that your savings are safe and steadily growing over time.

How Does It Benefit You?
The profits earned from these investments are returned to members in the form of an annual Rate of Return—directly benefiting your savings and future pension. The more the Fund earns, the more you gain.

In essence, your monthly contributions are working hard for you—growing steadily so that when the time comes for retirement, you can enjoy financial stability and peace of mind.

Why It Matters?
Becoming a member of NPPF is not just about saving for retirement—it’s about building a secure financial future. From the moment you start your service, NPPF ensures your hard-earned money is protected, wisely invested, and returned with value.

If you’re a new employee or just beginning your career in the public sector, remember:
You are already a part of a powerful system that prioritises your financial wellbeing.


Want to Learn More?
Explore our Membership Guide or reach out to our Team for any questions regarding your contributions, benefits, or account details.

Your future starts with NPPF. Let us help you build it.

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