The National Pension Scheme Authority (NAPSA) was established in February 2000 by the National Pension Scheme Act no. 40 of 1996 of the Laws of Zambia.

Thisfollowed the closure of the Zambia National Provident Fund (ZNPF) after the responsible Act under which it was formed was repealed. This means that ZNPF stopped receiving contributions on 31stJanuary 2000.

NAPSA was formed to provide income security againstthe risk arising from retirement (old age), death and invalidity with a focus on adequacy of benefits and monthly receipt of pension in a better way than the repealed ZNPF. This is achieved through the payment of different kinds of benefits to its members.


A member of NAPSA is one who has duly registered with NAPSA, has been issued with a Social Security number (and card) and contributes to the scheme in accordance with the National Pension Scheme Act. No. 40 of 1996 of the laws of Zambia.

This person is eligible upon retirement or invalidity to receive a benefit payment from NAPSA; subject to the prescribed conditions which are outlined later on in this edition.


As earlier noted, many people were registered under the ZNPF prior to the establishment of NAPSA and actually made contributions to that particular scheme.

NAPSA is the official custodian and manager of the assets of the ZNPF. This means that NAPSA is managing all the funds contributed to the ZNPF and has continued paying benefits to eligible members of that scheme as they qualify for the same.


To be the model social security institution in Africa


To prudently administer and be custodian of a viable social security scheme that guarantees income security to its members.


  • ResponsibilityWe are committed to be responsible custodians of the funds entrusted with us.
  • Customer ServiceWe are committed to the provision of service with excellence.
  • IntegrityWe demand of ourselves the highest ethical standards in all our dealings with our stakeholders and the public.
  • ProfessionalismWe are guided by the highest professional standards in the conduct of our business.
  • LeadershipWe are committed to fostering a sound working environment in which all employees can develop and deliver their fullest potential through diligent leadership.
  • Corporate CitizenshipWe are committed to good corporate citizenship always working in the best interest of our country.