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Welcome to the NSSF E-statement feature. In our continued effort to serve NSSF members better, we have enhanced the e-statement feature to make it more user-friendly, quicker and easier and to access your e-statement online.

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Welcome to the NSSF pre-registration feature. Please note that only non-registered members are to use this feature.

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Welcome to the NSSF customer query feature. In our continued effort to serve NSSF members better, we have enhanced the e-statement feature to make it more user-friendly, quicker and easier and to access your e-statement online.

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Friends with Benefits Season 2 Entry form


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The NSSF covers all employers who have 5 or more employees between 16 and 55 years of age, with the exception of employees under the Government Pensions Act. The NSSF Act requires a registered employer is required to pay contributions to the Fund for his\her employees every month during which he/she pays salaries.

The NSSF Act also provides for voluntary membership for employers with less than 5 employees.

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NSSF collects members' contributions and invests them judiciously, and pays commensurate benefits to qualifying members. The money collected is maintained on individual member accounts, invested and earns an annual interest depending on our return on investments.

NSSF's Investment Policy provides for clear guidelines on investments. The Board and Management are mandated by the NSSF Act to invest the money on behalf of the NSSF members. Currently, NSSF has various investment interests in real estate, equities, and fixed income. The benefit for the member is that the member is assured of secure retirement.

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NSSF administers and pays qualified contributing persons the following benefits;
Exempted Employment
Emigration Grant

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Contact info

  • Plot 1 Pilkington Road,
    Workers House, 14th Floor

  • P.O Box 7140, Kampala, Uganda
  • Email: customerservice@nssfug.org
  • Phone: +256 313-331-755
  • Toll free: 0800 286 773
  • Website: www.nssfug.org

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NSSF Members to earn 10.75% Interest Rate for FY 20192020

NSSF Members to earn 10.75% Interest Rate for FY 20192020

  • Members to earn UGX 1.14 Trillion on their accounts

KAMPALA Monday September 28, 2020: The National Social Security Fund (NSSF) has today declared an interest rate of 10.75% for the financial year 2019/2020. This was announced by the Minister of Finance, Planning and Economic Development, Matia Kasaija, during the Fund’s 8thAnnual Members Meeting at Kampala Serena Hotel.

The rate declared translates into a total of UGX1.14trillion that will be credited to the Fund’s more than wo million members’ accounts. This is higher than the UGX933 billion that was paid to members in the previous financial year.

The 10.75% interest rate is a few points lower than last year’s 11% interest majorly due to the economic slowdown occasioned by the COVID-19 pandemic and deferment of dividend payments by Bank of Uganda, among other factors, that affected the Fund’s performance.

“Despite the COVID-19 pandemic that has affected the economy and many businesses, NSSF has remained resilient, meeting its annual business objectives especially in the areas of Assets Under Management that grew by 17% from UGX11.3 trillion to UGX13.3trillion and the total revenue that increased by 17%,” Hon Kasaija said upon declaring the interest rate.

“I would therefore like to congratulate the NSSF team upon delivering a remarkable performance in the 2019/2020 in spite of the challenging macro environment.” Kasaija added.

Richard Byarugaba, NSSF Managing Director, reechoed the Fund’s resilience in the tough operating environment. , “Many businesses both locally and globally are either closing down or seeking solutions for survival rather than business expansion. I am happy that the Fund has been able to absorb the shocks as evidenced from our performance.”

The NSSF Chairman, Board of Directors, Patrick Kaberenge reassured members that the Fund was still committed to preserving value for their savings. “Despite a tough investment environment characterized by a strong shilling and depressed equity markets, the return earned has remained stable.” he said.

The 10.75% interest earned is above the 10 year average inflation rate of 5.82%

NSSF Interest Rate over the last 5 year

Financial Year






10-Year Average Inflation (Source: Bank of Uganda)






NSSF Promise (10 year inflation puls 2%)






NSSF Interest Rate














Performance Highlights

1. Assets under Managementincreased by 17% from UGX 11.3 trillion to UGX 13.38 Trillion as at June 30, 2020, mainly driven by increased contributions and interest income

2. Total Revenueincreased by 17% from UGX 1.25 trillion in 2018/19 to Ugx 1.47 trillion as at June 30, 2020, driven by growth in interest income as a result of exposure to high yielding fixed income investments and rental income.

However, dividend income reduced by 19% from UGX 77 billion as at June 30, 2019 to UGX 62 billion as at June 30, 2020 due to cancellation of dividend payouts by commercial banks.

3. Member contributionsincreased by only 5% from UGX 1.22 trillion to UGX 1.28 trillion. The marginal growth is attributed to the amnesty we offered to business that were affected by COVID-19 pandemic. To put into context, the Fund deferred a total of about UGX 22 billion.

4. The money paid in benefitsto qualifying members increased by 8% from UGX 450 billion in 2018/2019 to UGX 486 billion in 2019/20. Again, the marginal growth is as a result of COVID-19 when the country was in lockdown and a significant number of claimants opted to defer their claims.

5. Our Cost of Administrationimproved from 1.28% in 2018/2019 to 1.20% in 2019/2020, while the cost income ratioalso improved by 7% from 13.02% to 12.05%. This was due to improved efficiency and cancellation of activities that we did not take place due to COVID-19 pandemic.