National Pension Scheme Authority - NAPSA

25/08/2026

Understanding the NAPSA Pension Scheme Act, 2026 is important for every member.

Read the Frequently Asked Questions to understand the key provisions of the law and what they mean to members.

Read the FAQs here: https://www.napsa.co.zm/download/publication/NAPSA_Pension_reforms_FAQs_V04

23/08/2026

An opportunity to strengthen your retirement income. Explore the NAPSA Pension Advance and turn your plans into possibilities.

NPS PENSIONERS IN INTEREST-FREE LOAN BONANZA!

Following the enactment of the National Pension Scheme Act No 72 of 2026, NAPSA has started paying out interest-free pension advances to the pensioners on the pension payroll.

The maximum payable amount is K17,454.37, which is recoverable over a period of 18 months. Apparently, this advance is 75% of the Funeral Grant that is payable upon the death of a member.

For pensioners, who face challenges in accessing "loans" from lending institutions, this advance is a welcome facility!

According to Daniel Kangwa - my young (blood) brother, who is a retiree like myself, the pension advance "should be viewed as an opportunity to create an additional source of income rather than money for consumption. Retirees can utilise the loan to establish small, manageable businesses such as poultry farming, vegetable production, bee-keeping, small-scale trading, etc. The investment should be selected according to the retiree’s skills, available land, experience and local market demand. The objective should be for the business to generate sufficient cash flow to contribute towards loan repayment while allowing the retiree to preserve their monthly pension for essential living expenses. In this way, the NAPSA pension loan can become a tool for retirement income diversification, self-reliance and long-term financial security, rather than creating additional financial pressure during retirement."

Are you on the NPS Pension Payroll with a viable business plan that can be funded by a maximum of K17,454.37? Consider applying for this interest-free loan facility, online from the comfort of your home, and you will receive your payment within 24 hours!

COACH JUSTIN - Your Pension and Retirement Advisor

22/08/2026

Moving Together. Connecting together. Growing Together.

NAPSA joined fellow fitness enthusiasts at the 2026 Fit Relay at Nkwashi today, bringing energy, teamwork and a spirit of healthy competition to the course.

Taking part in events like the Fit Relay is about more than crossing the finish line. It is about encouraging people to make movement and healthy living part of everyday life, while creating opportunities to connect, build relationships and have fun.

At NAPSA, we believe that well-being is an important part of building stronger individuals, stronger workplaces and healthier communities.

Today, we ran, we laughed, we encouraged one another and most importantly, we showed up for our health.

22/08/2026

FAKE ALERT 🚨

The information below is FAKE and does not originate from NAPSA. Please do not rely on or share it.

For verified information, follow NAPSA’s official communication platforms.

20/08/2026

NAPSA EMPOWERS STUDENTS WITH KNOWLEDGE ON SOCIAL SECURITY

NAPSA engaged University of Lusaka students to turn academic research into practical policy solutions. Key topics included:

* Informal sector coverage
* Women's social protection
* MSME compliance
* Digital transformation and Pre Retirement Benefit usage.

The initiative aims to build youth awareness and empower students to drive evidence based improvements across Zambia’s social protection landscape.

19/08/2026

Congratulations to the President of the Republic of Zambia, Mr Hakainde Hichilema, and Vice-President Mrs W.K. Mutale Nalumango, on their re-election. 🇿🇲

16/08/2026

PUBLIC NOTICE

Please note that the NAPSA Head Office will be temporarily closed from 17 to 21 August 2026.

Please read the attached notice for more information.

11/08/2026

FOR IMMEDIATE RELEASE

NAPSA DISBURSES K9.1 MILLION IN INTEREST-FREE ADVANCES TO 565
PENSIONERS

Lusaka, Zambia, 11 August 2026 - The National Pension Scheme Authority (NAPSA)
has successfully disbursed K9,137,772.92 in interest-free advance pension
payments to 565 pensioners within three days of launching the facility on 8 August
2026, marking a significant milestone in the implementation of the country's recent
pension reforms.

The highest amount paid so far is K17,454.37, while the lowest is K2,000.00 and the
average being K16,178.37. The advances have provided much-needed relief to
pensioners, enabling many to meet pressing financial obligations without incurring
additional debt. The interest-free advance payment facility is one of several member￾centred reforms introduced under the new NAPSA Act 72of 2026 to enhance social
security benefits and improve the welfare and dignity of pensioners. A total of 34,000
pensioners are eligible for the interest-free advances as at 1 August 2026.

Commenting on the achievement, NAPSA Director General, Muyangwa Muyangwa
has commended the Government of the Republic of Zambia, through the Republican
President, Mr Hakainde Hichilema for championing the pension reforms and the Board
of Trustees for its strategic oversight in ensuring the timely implementation of the new
pension provisions. He said:
“We are grateful to the Government through the Republican President, Mr Hakainde
Hichilema and to the Board of Trustees for their support in making these
enhancements possible and reaffirm our commitment to implementing all new benefits and products for the benefit of our members. The strong uptake of this facility
demonstrates the positive impact of the reforms on the lives of pensioners.”
The recent pension reforms introduce several key enhancements, including interest free advance pension payments, enhanced minimum pensions that have positively
impacted 17,806 pensioners, the 30 percent retirement lump sum, improved accrual
and income replacement rates and the rollout of new supplementary savings and
pension products designed to strengthen retirement security.

NAPSA remains committed to delivering innovative social security solutions that
improve the livelihoods of members and contribute to a more secure and dignified
retirement for all.

For media enquiries please contact:
NAPSA Head Corporate Affairs
Cephas Sinyangwe
Email: [email protected]
Telephone: +260211395000

About NAPSA
The National Pension Scheme Authority (NAPSA) is a statutory institution established
by an Act of Parliament, the National Pension Scheme (NPS) Act Number 40 of 1996,
to provide social security to all workers in Zambia, ensuring they live dignified lives
post-retirement. It achieves this by collecting member contributions, which are
prudently invested in various sectors of the economy for returns and growth of the
fund. This ensures the Scheme's sustained ability to pay meaningful benefits to its
members. The Authority also plays a critical role in contributing to national economic
development through its investments, with digital transformation at the core of its
operations to enhance efficiency and service delivery

11/08/2026

NAPSA, ZAF PROPERTIES LIMITED AND LUSAKA WATER SUPPLY AND SANITATION COMPANY SIGN BULK WATER SUPPLY PROJECT AGREEMENT

The National Pension Scheme Authority (NAPSA), ZAF Properties Limited, Lusaka Water Supply and Sanitation Company Limited have signed an agreement for the design and construction of a bulk water supply pipeline system to support residential and commercial development in Lusaka.
Speaking at the signing ceremony, Permanent Secretary in the Ministry of Defence, Mr. Maambo Haamaundu, said Government remains committed to improving the lives of Zambians through deliberate investments in infrastructure, housing, water supply and sanitation.
Mr. Haamaundu said access to clean and reliable water is not merely a basic service, but a fundamental human necessity and an important driver of national development.
He commended NAPSA, ZAF Properties Limited and Lusaka Water Supply and Sanitation Company Limited for their collaboration and commitment to investing in infrastructure that will deliver long-term value to surrounding communities.
Speaking on behalf of NAPSA Director General, Muyangwa Muyangwa, Director of Finance Joshua Malupenga said the project will support residential and commercial development in one of Lusaka's rapidly growing areas.
The project will comprise approximately 12 kilometres of 450mm bulk water pipeline from Stuart Park to River View Park, together with a booster station, a 1,000 cubic metre ground reservoir and associated project management infrastructure
The infrastructure represents an investment of approximately K150 million, with the cost being shared equally on a 50/50 basis between NAPSA and ZAF Properties Limited.
The project is expected to enhance reliable water supply to River View Park and surrounding developments, while contributing to sustainable urban development and unlocking further investment opportunities in the area.

07/08/2026

FOR IMMEDIATE RELEASE

NAPSA IMPLEMENTS PENSION UPLIFT, BENEFITING OVER 17,800 PENSIONERS NATIONWIDE

Lusaka, Zambia, 7 August 2026 — The National Pension Scheme Authority (NAPSA) has successfully implemented enhanced pension benefits following the enactment of the National Pension Scheme Act No. 72 of 2026 and the issuance of Statutory Instrument No. 62 of 2026, which brought the reforms into effect.

The pension reforms, spearheaded by the Government of the Republic of Zambia under the leadership of President Hakainde Hichilema, underscore Government's commitment to improving the welfare, financial security, and dignity of pensioners across the country.

A key highlight of the reforms is the increase in the minimum monthly pension from K1,861 to K2,327, representing a significant enhancement in social protection for thousands of retired workers. As a result of the implementation, 17,806 pensioners have benefited from the pension uplift.

The total amount paid to these pensioners increased from K31.8 million in June 2026 to K39.6 million in July 2026, reflecting the revised pension rates. Overall, NAPSA has paid K119.1 million in pension benefits this month to 34,390 beneficiaries, underscoring the Authority's continued commitment to delivering timely, reliable, and efficient pension payments.

Speaking on the development, NAPSA Director General Mr. Muyangwa Muyangwa described the reforms as a major milestone in strengthening Zambia's social security system and improving the livelihoods of pensioners.

"These reforms demonstrate Government and Board's commitment to ensuring that pensioners enjoy greater financial security and dignity in retirement. We commend the Republican President, the Government, Parliament and all stakeholders who supported these progressive amendments to the National Pension Scheme Act. At NAPSA, we are proud to have successfully implemented the changes and delivered the enhanced benefits to eligible pensioners."

In addition to increasing pension payments, the reforms have introduced several member-focused enhancements aimed at making the pension scheme more responsive and beneficial. These include the introduction of interest-free pension advances, enabling eligible pensioners to access a portion of their funeral grant without incurring interest charges.

The reforms also provide members with the opportunity to access 30 percent of their retirement benefits as a lump sum within 90 days prior to retirement. In addition, NAPSA has extended the payment of survivors' pensions to eligible beneficiaries of members who pass away after making more than 180 contributions, while the income replacement rate has been increased from 40 percent to 45 percent.

Further, the Authority has introduced new supplementary savings and wealth creation products, providing members with greater opportunities to build long-term financial security and enhance their retirement outcomes.

Collectively, these enhancements are expected to provide members and pensioners with greater financial flexibility, improved retirement security, and increased choice in planning for their future. The reforms also form part of the Government's broader agenda to strengthen social protection, expand access to pension benefits, and improve the overall retirement experience for Zambian workers.

NAPSA remains committed to delivering innovative, customer-centred services that improve the wellbeing of its members and pensioners while supporting Zambia's broader social and economic development objectives.


For media enquiries please contact:
NAPSA Corporate Affairs
Cephas Sinyangwe
[email protected]

About NAPSA
The National Pension Scheme Authority (NAPSA) is a statutory institution established by an Act of Parliament, the National Pension Scheme (NPS) Act Number 40 of 1996, to provide social security to all workers in Zambia, ensuring they live dignified lives post-retirement. It achieves this by collecting member contributions, which are prudently invested in various sectors of the economy for returns and growth of the fund.

This ensures the Scheme's sustained ability to pay meaningful benefits to its members. The Authority also plays a critical role in contributing to national economic development through its investments, with digital transformation at the core of its operations to enhance efficiency and service delivery.