About Contributions

Information about contributions i.e. what it is, rates and ceilings

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About Contributions

What are contributions

In the context of the National Pension Scheme Authority (NAPSA) in Zambia, contributions refer to the mandatory payments made by both employers and employees to fund the national pension scheme. These contributions are designed to provide financial security to workers upon retirement, in cases of invalidity, or to their survivors in the event of death.

NAPSA contributions build a secure financial foundation for your future, ensuring you have income during retirement and providing protection for you and your family in case of disability or death. The scheme operates on a principle of shared responsibility, with both employers and employees contributing to build a sustainable pension system.

  • Formal Sector

  • Informal Sector (ECIS)

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NAPSA Compliance Certificate

The NAPSA Compliance Certificate is a document issued by the National Pension Scheme Authority (NAPSA) to employers who have complied with the National Pension Scheme Act No. 12 of 2012 and the National Pension Scheme Regulations 2012.

The certificate serves as official proof that an employer is up-to-date with their NAPSA contribution obligations. It is often required for businesses participating in government tenders, applying for licenses, or engaging in formal contracts. The certificate is valid for 30 days from the date of issue and can be verified online through the NAPSA iCARE portal.

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Formal Sector

Formal Sector

Employer

Anyone who has employed an employee

Member

Anyone who is a member of NAPSA

You, the Law (i.e. NPS) & You as Employer - The primary responsibility of payment for the pension contribution lies with the employer who must ensure that both the employer and employee portions are remitted to NAPSA.

According to the NPS Act, an employer should register with NAPSA within one month after commencing business or employing an eligible employee.

A member of NAPSA is one who has registered with NAPSA. You have been enrolled as a formal member through your employer's registration with NAPSA.

The pension & death/survivor allowance is available to active & former members.

WHO IS ELIGIBLE FOR NAPSA REGISTRATION?

The following types of employers are eligible to register with NAPSA:

  • Government organizations (central, provincial and municipal), organizations employing domestic workers
  • Churches and non-profit NGOs, Management Organizations, and
  • Any other organization or individual who employs at least one eligible person and is required to register with NAPSA.
WHO NEEDS TO REGISTER FOR NAPSA REGISTRATION?

Registration to the National Pension Scheme is mandatory for the following entities and persons:

  • Employers with at least one employee
  • Employees of registered employers
  • Self-employed persons
  • Persons in informal employment
  • Domestic workers
REQUIREMENTS FOR NAPSA REGISTRATION

The following documents are required for NAPSA registration:

For Employers:
  • Certificate of Incorporation or Business Registration
  • Tax Clearance Certificate (TCC)
  • PACRA Certificate (for companies)
  • Bank Statement (latest 3 months)
  • Completed NAPSA Registration Form
For Employees:
  • National Registration Card (NRC)
  • Employment Contract or Letter
  • Passport-size Photographs (2)
  • Bank Account Details
  • Completed Member Registration Form
Note: All documents must be original or certified copies. Processing time is typically 5-10 working days.
PROCESS FOR UPDATING INFORMATION

Keep your NAPSA information up to date by following these procedures:

Personal Information Changes:
  • Name Change:
    Submit deed poll, marriage certificate, or court order with updated NRC
  • Address Change:
    Complete change of address form with proof of residence
  • Contact Details:
    Update via iCare portal or visit nearest NAPSA office
Employment Changes:
  • Job Change:
    New employer must register you within 30 days
  • Salary Change:
    Employer updates contribution schedule automatically
  • Employment End:
    Employer must notify NAPSA within 30 days
Important: Failure to update information may affect your benefit payments. Always notify NAPSA of changes within 30 days.
Tip: You can also update your information online through the iCare Portal for faster processing.
REGISTRATION PROCESS

Follow these steps to complete your NAPSA registration:

Employer Registration

Organizations and individuals who employ eligible persons must:

  • Visit the nearest NAPSA office
  • Complete employer registration forms
  • Submit required documents
  • Receive employer registration number
Member Registration

Individuals joining the National Pension Scheme should:

  • Complete member registration forms
  • Provide required identification documents
  • Nominate beneficiaries
  • Receive NAPSA member number
Voluntary Contributions

To make voluntary contributions and boost your pension:

  • Must be a registered NAPSA member
  • Set up payment schedule with NAPSA
  • Choose contribution amount and frequency
  • Monitor contributions via iCare portal
Information Updates

To update your personal or employment information:

  • Visit NAPSA office with required documents
  • Complete change of details forms
  • Submit within 30 days of change
  • Receive confirmation of updates
Tip: You can also register and manage your account online through the iCare Portal for faster processing.

SELF INITIATED NAPSA MEMBERSHIP

This option is for individuals who want to join NAPSA voluntarily. NAPSA encourages all eligible persons to complete the membership form to join the formal sector through the NAPSA iCare portal or visit any NAPSA office.

Partnerships

The Authority has partnered with the following institutions to enhance coverage:

  • Zamtel
  • Association for Marketeers
  • International Labour Organization (ILO)
  • Zambia Chamber of Commerce
  • Zambia National Farmers Union
  • Zambia Development Bank

Contribution Rates & Guidelines

Understanding your contribution obligations

Formal Sector
Standard Employment
  • Employee: 5% of gross earnings
  • Employer: 5% of gross earnings
  • Monthly ceiling: K2,892.03
  • Maximum monthly contribution: K2,892.03

Applies to all employees in formal employment relationships with registered employers.

Learn More Calculate Contributions
Informal Sector
Self-Employed & Informal Workers
  • Flexible contribution amounts
  • Minimum monthly contribution: K100
  • Payment frequency options: Monthly, Quarterly, Bi-annually
  • Mobile money payment options available

Designed for self-employed individuals, small business owners, and informal sector workers.

Learn More Join ECIS Program

Have Questions About Contributions?

Find detailed answers to common questions about contribution rates, payment schedules, eligibility requirements, and more in our comprehensive FAQ section.

View Contributions FAQ

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