Promoting the operations of the pension industry in Nigeria.

We are an independent, non-governmental, non-political and non-profit making body established to ensure that international best practices relating to the industry are observed by the operators registered in Nigeria.
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Our Numbers from inception to 30th June, 2022
CPS Contributors
₦ 852.97 Billion
Lump Sum
8 Billion
World Population
₦ 14.27 Trillion
Current AUM
Compliance Certificates
Guidelines on Accessing Retirement Savings Account (RSA) Balance Towards Payment of Equity Contribution for Residential Mortgage by RSA Holders
The National Pension Commission (PenCom) is pleased to inform all stakeholders and the general public, particularly Retirement Savings Account (RSA) holders, that the Commission has approved the issuance and immediate implementation of the Guidelines on Accessing RSA Balance towards Payment of Equity Contribution for Residential Mortgage by RSA Holders.
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Did you know...

...that you can access 25% of your Retirement Savings Account or Micro pension Account to be used for a Mortgage.
RSA Holders or Micro pension contributors who have consistently saved for a period of 5 years or 60 months can now have access to 25% of their savings in their RSA account to be used for the purpose of acquiring a house from a verified mortgage lender.
…that you can transfer from one Pension Fund Administrator (PFA) to another within 1 year or 365 days
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RSA Holders or Micro pension contributors can now initiate a transfer from one PFA to another through the RSA Transfer System (RTS) which is a computer-based application.
…that you can switch between the different fund structures
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The industry has 6 fund structures (with Fund II being the default fund for all RSA holders) and contributors can switch to or from one fund structure to another.
… that with a Micro pension account you are eligible for Health insurance and a 40% contingency withdrawal
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Micro pension is a voluntary contribution for those with less than 3 employees as well as the informal sector of the country (semi-formal, organized informal and unorganized informal).


We keep you informed of all investment opportunities, guidelines and policies within the Pension Industry
Guidelines On Accessing Retirement Savings Account (RSA) Balance Towards Payment Of Equity Contribution For Residential Mortgage By RSA Holders
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