Register for NPF Sberbank. Non-state pension fund of Sberbank

It was possible to place the funded part of a future pension in the Russian Pension Fund only until the end of 2014. By this time, all Russians who wished to save their savings transferred them to non-state pension funds (NPFs), which allow them to significantly increase their future income after retirement. Clients' funds are invested in securities, so the choice of company must be taken responsibly. The non-state pension fund of Sberbank of Russia, which will be discussed further, today has won the trust of more than 7.6 million Russians.

About the organization

The Sberbank non-state pension fund was established in 1995, and since then has been a permanent partner of the bank of the same name in promoting pension services in Russia. The company has its head office in Moscow, and the promotion of its services and servicing of existing and new clients is carried out through Sberbank branches. They are in every city in Russia, so you don’t have to go far to transfer your savings to a non-state pension fund, which is under the wing of the country’s largest financial institution.

Fund reliability rating

Sberbank NPF is considered one of the most reliable on the Russian market, which is confirmed by the following facts:

In 2014, during the conference “The Future of the Pension Market,” which is held every year by the Expert RA rating agency, the fund was awarded a diploma “For High Reliability.” Since 2010, the same agency has annually given the highest assessment of the company’s activities - A++ with a stable forecast.
According to the National Rating Agency, Sberbank NPF in 2016 also received the maximum AAA rating with a stable forecast. The company's high rating was ensured by its leading position in the pension insurance market, as well as impeccable results in attracting clients under the compulsory pension insurance program. When assessing the fund’s activities, the rating agency’s experts also took into account its long and successful activities and balanced investment policy.

How is the profitability of savings ensured?

The profitability of pension savings of Sberbank NPF clients is ensured by investing in securities. The company's investment portfolio consists only of shares, bonds and other assets of Russian companies. All client funds are insured by the Deposit Insurance Agency.

Annual interest, which is accrued only at the end of December, does not have a fixed value and depends on the efficiency and effectiveness of the management of client funds. The fund applies a balanced strategy that ensures safety and optimal investment returns. In 2017, the amount of savings of Sberbank NPF clients increased by 9.4%, and at the end of 2019 this figure is projected to increase to 9.9%.

Non-state pension

A citizen’s future state pension is directly affected by length of service and salary level, so changing its size is very difficult. However, you can additionally receive a non-state pension from the Sberbank Non-State Pension Fund after retirement. You determine the duration of payments and their size yourself by registering an individual pension plan (IPP) and transferring contributions (from 500 rubles) according to a schedule or in any order. There are three IPP options in total:

Universal - transfer of contributions in any order.
Guaranteed - the amount of contributions, as well as the schedule for their transfer, are calculated taking into account the level of the desired future pension.
Comprehensive - the funded part and the non-state pension are formed separately.

To calculate the size of your future non-state pension, you can use a convenient online calculator.

Client's personal account

The official website of Sberbank NPF allows each client of the fund to open a personal account and at any convenient time get acquainted with the volume of their savings, as well as:

take part in special programs that allow you to significantly increase their amount;
make contributions or activate the “Autopayment” service to pay them;
view transaction history;
submit online applications for an individual investment plan;
send requests to change personal data;
Monitor the status of your applications.

Account registration

To open a personal client account, online registration is provided. The presence of bank cards or other Sberbank products does not matter in any way for opening an account. It is enough to visit the nearest branch with your passport, SNILS and enter into an agreement to transfer your savings to Sberbank Non-State Pension Fund. Then you need to wait 7 days and begin the registration procedure on the official website of the fund. On its main page:

Click the “Personal Account” button.
On the online service web page, click “Register”.
Indicate your full name and email address.
Create a password and answer to the security question that will be needed when recovering a forgotten access code.
Enter your mobile phone number that was used when concluding the contract, date of birth, your passport number and SNILS.

If all entered data is correct, a message indicating successful registration will appear on the monitor.
However, the entrance to the personal account of Sberbank NPF will open only after confirmation of registration. Find a message from the fund in your email and follow the special link.

From this moment on, your personal account becomes active and you can log in to it.

Online service capabilities

To view more detailed information, click the “Details” button - and the amount that was transferred to the Sberbank NPF and the amount of investment income for the past calendar year will appear on the monitor.

How to get information

As already noted, you can request information about the status of your pension savings through a 24-hour online service. However, this method is not fast and convenient. Thus, you can only send a request to Sberbank NPF. This is where all the possibilities are exhausted. To receive a detailed statement, you must visit the nearest Sberbank branch with your passport. For information on how to register and use the remote service, read the article “Sberbank Online”.

Terms of use

As you already know, in order to register a personal account of the Pension Fund of Sberbank and view annual accruals, you must enter into an agreement on compulsory pension insurance. However, to register an IPP online, you will need a confirmed account on the government services portal, as well as a Visa or MasterCard bank card to pay the fees.

Terms of the contract on compulsory pension insurance

When using the services of non-state pension funds, you should pay attention to several important points:

You can always switch to another NPF at your own discretion, but you should not make hasty decisions. If you place your savings in one fund for less than 5 years, then when you switch to another, you lose the accrued investment income.
If you transfer contributions to the IPP to form a non-state pension, you can receive a tax deduction of 13% annually. To do this, you must annually submit a corresponding declaration to the tax authorities at your place of residence.
Pension savings are not divided in a divorce and cannot be collected to pay off any debts of the insured person, but they can be passed on by inheritance.
The amount of maternity capital or part of it can be used to form the funded part of a woman’s pension.

Payment procedure

You can receive your funds from Sberbank NPF in the following order:

After reaching the appropriate age. To do this, you need to draw up an appropriate application and collect a package of documents.
Monthly or quarterly for 5 years or more, depending on the terms of the IPP agreement.
5 years after registration of the IPP, you can return the entire amount of contributions ahead of schedule without losing accrued investment income.

NPF Sberbank. How to secure your future: Video

Currently, there are several large non-state funds operating in the country, one of which is Sberbank NPF. In addition, Sberbank branches are located in almost every locality in Russia, which allows citizens to contact the bank at any time to sign a pension agreement. But what are the specifics of the fund’s work? What is the profitability of Sberbank NPF in recent years? We will answer these and other questions in our article.

NPF Sberbank: general data

Sberbank Non-State Pension Fund (hereinafter referred to as NPF) formed in 1995 by Presidential Decree No. 1077 of September 16, 1992. The fund is managed by a specially created Advice– he regulates not only strategic issues, but also deals with the general management of the company.

NPF has one founder, namely Sberbank of Russia OJSC.

Let's highlight the main data on non-state pension funds:

Pension assets– 367 billion rubles.
Authorized capital– 150 million.
Reserve– 14 billion.
Clients– 4.6 million people.
Website– npfsberbanka.ru
Hotline – 88005550041.
Reorganization in 2014. The result is the new status of Sberbank NPF CJSC.
License– No. 41/2 dated June 16, 2009.

Rating

These indicators indicate such advantages of non-state pension funds as:

high level of trust from clients;
leading position in the compulsory pension insurance market;
high results of attracting clients;
long work history;
stable positions in the field of non-state pension provision (non-state pension provision);
balanced investment strategy.

Profitability by year

The profitability of a non-state pension fund is one of the primary criteria when choosing a particular fund. Let us highlight the profitability of NPFs over recent years in the form of a table:

Year	Profitability, %
2009	32,2
2010	9,2
2011	0
2012	7,3
2013	6,7
2014	2,6
2015	10,7
2016	11,7

The average annual return is 7.3%.

In the current 2017, it is planned to increase profitability by at least 0.5% compared to last year.

Personal account

Before registering in your personal account (hereinafter referred to as “PA”), you need to fulfill a number of conditions, namely:

availability of a valid OPS agreement;
opening an account according to Pension rules;
client consent to the processing of personal information.

To register in LC you need to take the following steps:

Click on the link https://lk.npfsb.ru/?register=yes.
In the window that appears, you need to specify such information, How:
- email address;
- first name, patronymic;
- passport details;
- SNILS number;
- contact phone number;
- created password (entered twice);
- security question and answer.
Confirm the entered information using the entered code from the picture.
Check the box to consent to the processing of personal data.
On the second page you need to indicate your last name.
Log in to your email box, which will contain a link to go to your personal account.
Complete registration and log in to your account.

Access to the Personal Account may be denied in the following cases:

Making pension payments upon reaching the appropriate age.
Termination of the OPS agreement.
Violation of confidentiality rules.

Each client of the fund can receive SMS newsletters about important news and promotions of NPFs. To do this, check the box on the “Client Profile” page.

If any questions arise, the client can contact the contact center by phone 88005550041.

How to switch to NPF Sberbank?

To sign the OPS agreement, the client must do the following:

Visit one of the bank branches. You need to have your passport and SNILS with you.
Fill out the application established sample.
Sign the OPS agreement, in which it is worth indicating the heirs.
Fill out the application to the Pension Fund of the Russian Federation on the transfer to a non-state pension fund before December 31 of the current year. Most often, NPF employees independently submit the completed form to the Pension Fund. Savings are transferred to NPFs until March 31 of the following year.

In order to find out status of signed agreement, you need to study the updated information in your personal account, which may be one of the following:

Reflection of the contract number and the date of its conclusion - the document has already been accepted by the Pension Fund of Russia, but has not yet entered into force.
The inscription “There are no agreements yet” is not accepted by the Pension Fund.
Reflection of the contract number, date of conclusion and the message “Valid” - the document has entered into force and now you can monitor the movement of savings online.

Individual pension plan

Unfortunately, the size of a pension cannot always ensure a comfortable existence for a citizen. Each potential pensioner can independently increase pension savings through individual pension program (hereinafter referred to as IPP).

To implement the IPP, a citizen must contact a non-state pension fund, where employees will develop an individual program for any income level of a particular citizen.

The IPP is suitable for those individuals who receive a salary “in an envelope” of more than 50,000 rubles per month.

The essence of the IIP is as follows:

Sign the appropriate agreement.
Open an account where deductions will be received.
Transfer funds to the NPF within the specified time frame.
Receive savings as an increase to your pension upon reaching retirement age. Payments can be made in a lump sum, monthly or once every three months.

Main advantages of IPP:

reliability from NPF;
funds are managed by professionals;
increase in pension;
choosing a suitable program;
profitability;
the ability to manage savings, for example, you can withdraw them ahead of schedule;
inheritance:
return of 13% of the investment amount;
convenient payment method.

Thus, the IPP allows you to ensure a decent life upon retirement.

The Sberbank Non-State Pension Fund was established by Sberbank of Russia OJSC on March 17, 1995 within the framework of Decree of the President of the Russian Federation dated September 16, 1992 N 1077 “On Non-State Pension Funds”, operates in accordance with Federal Law 75-FZ of May 7, 1998. “On non-state pension funds.” The founder and sole shareholder of NPF Sberbank JSC is Sberbank of Russia OJSC, one of the largest and most reliable banks in the country.

OJSC Sberbank of Russia 1 is not only the founder of JSC NPF Sberbank, but also its partner in promoting pension services and servicing clients throughout the Russian Federation.

Sberbank NPF is the leader in the compulsory pension insurance market: the number of Fund clients exceeds 3 million people. The assets of Sberbank NPF are over 245 billion rubles 2.

The Fund provides comprehensive pension services for individuals and legal entities through branches of Sberbank of Russia OJSC throughout the Russian Federation, as well as via the Internet on the Fund’s website.

Perpetual license of the Federal Service for Financial Markets to carry out activities in pension provision and pension insurance No. 41/2 dated June 16, 2009.

Reliability of JSC NPF Sberbank confirmed by the country's leading rating agencies:

A++ (exceptionally high, highest level of reliability) 3 according to Expert RA.

AAA (maximum reliability) 4 about the version of the National Rating Agency.

Awards

National award “Company of the Year”, nomination “Non-state pension funds”.
Diploma "Growth Leader in OPS" (rating agency "Expert RA")
Award from the National Rating Agency in the category “For a high level of diversification of the market client base.”

Award “Best in Russia”, project “Choosing an insurer for pension savings”.
Golden Phoenix Award, nomination “Effective Management Strategy”.
Award “Financial Elite of Russia”, nomination “Grand Prix: Non-State Pension Fund of the Year”.
Diploma of the Rating Agency "Expert RA" "For high reliability."
Winner of the “Financial Prestige 2013” award in the “People’s Choice” nomination.

Diploma of the Rating Agency "Expert RA" "For the development of NGOs."
Laureate of the national award “Financial Elite of Russia” in the “Dynamics of Development” nomination.

Diploma of the Rating Agency "Expert RA" "For high growth rates of the client base for non-state pension provision."
Winner of the national award “Financial Olympus 2011” in the “Retail Non-State Pension Fund” category in the “Dynamics and Efficiency” category.

Diplomas from the Expert RA Rating Agency in two categories at once: “For high growth rates of the client base” and “For improving reliability indicators.”

"Company of the Year - 2010" in the main category "Finance".
Winner of the Finance 2010 award in the category “For visionary strategy.”

"Financial Olympus" Award. The Fund was awarded the victory in the nomination “National Pension Fund Management Strategy (Dynamics and Efficiency)”.

Prize "Count Guryev" in the field of pension industry and social insurance for his contribution to the development of the pension industry.

Winner of the national award “Financial Olympus 2007” in the nomination “National Pension Fund Management Strategy” in the category “Result and Success”.

Sberbank NPF offers its clients the following pension services:

Phone: 8 800 555 00 41 (toll free)

Official page of the Foundation on Facebook.

NPF Sberbank stands for non-state pension fund Sberbank. This resource allows clients to accumulate funds, which in the future will be regularly paid by the bank in the form of a pension. Registering a profile online takes just minutes. Personal account functions are available on the official website lk.npfsb.ru.

Login to your personal account of Sberbank NPF

To register and pay non-state pensions, you need to log into the personal account of Sberbank NPF on the official website: https://npfsberbanka.ru.

In order to log in through State Services or Sberbank, the user must log in to the portal and confirm the account. Registered users can log into their account using their phone number, SNILS or email as a login. The password is formed from Latin letters, symbols and numbers. Confidential client information is required only for data verification and correct functioning of the personal account.

What to do if you forgot your password?

If you have forgotten or lost your password, then use the “Forgot Password” button located in the login form personal account, it can be easily restored by providing SNILS, email address or mobile phone number. Instructions for password recovery will be sent to the specified email or phone number.

How to register in the system?

To register a new user of Sberbank NPF you will need:

passport;
email;
SNILS.

What needs to be done to register a personal account of Sberbank NPF:

After confirming the data, the subscriber will receive full access to his personal account. Since many users use mobile devices to log in, the site has optimized this function so that the client can create an account and log in from a smartphone or tablet.

You must fill out the fields without errors, as problems may arise with access to your account, and you will have to register again.

Functions and capabilities of the Sberbank NPF personal account

Your personal page gives you complete control over your account, allowing you to freely manage your personal funds at any time of the day. You can also take advantage of the following benefits:

choosing a suitable pension program;
calculation of future pension in a convenient calculator form;
full control over pension savings received from the employer;
managing your savings (transferring money, increasing your current balance);
payment of fees for banking services;
registration of account details for any period.

All operations are carried out online. There is no need to contact a NPF or bank branch.

Online customer support

Your personal account contains important information about the bank’s programs, as well as support phone numbers and a hotline number: 8 800 555 0041. You can ask your question on the website online in the tab questions and answers by clicking on the “Ask a question” button.

For many years now, the Non-State Pension Fund, opened by Sberbank JSC, has been operating in the country. For comfortable cooperation with its clients, the bank has developed a special service.

On this service you can find basic information about the fund and its activities. You can use the capabilities of NPFs through your personal account. People have a question about what are the advantages of the Sberbank Online NPF personal account.

Sberbank is the first bank to open a non-state pension fund. The bank client agrees to monthly contributions of money to his pension account, which can be used upon retirement. On the NPF resource in your personal account, you can view all transactions and the amount of accumulated funds.

The advantages of the fund are:

reliability of all accounts - all terms of the contract are regulated and insured for safety;
There is an online resource through which you can monitor your funds and step-by-step authorization;
security of personal information;
ease of use of the NPF bank service;
confidence in the safety of the fund's funds.

If a person is not a bank client, then you can simply register in the fund’s account. Thanks to this, you can get acquainted with the information on the site, which is freely available.

How to complete the registration procedure?

The first thing you need to do is go to the website http://npfsberbanka.ru?/. Then follow the guide:

In the upper right corner, click on “Personal Account”.
The site will prompt you to fill out a form. In it, indicate the virtual mail address, password, password confirmation, full name, date of birth, cell phone number, passport series and number, SNILS.

Enter the specified captcha, which is a confirmation.
Check the box next to “I agree to the processing of personal data.”
Check the box next to “I agree to receive SMS from the bank.”
Double-check all entered data.
Click on “Next”.

After registration, you can change your information. When registering, select your security question, which will be the access code to restore your personal information.

NPF Sberbank Personal account

Registration in the system gives clients the opportunity to:

find out the accumulated amount;
make another deposit and set up automatic payment;
view the history of payments or payments;
submit applications online.

Sberbank cares about each of its clients, so it tries to make cooperation as comfortable as possible.

How to find out the amount of NPF savings in a bank?

Information on profitability is displayed on accounts no later than the end of the first quarter of the year following the reporting one. The profit amount can be viewed in your personal account.

By clicking on “Details” you can see not only the pension, but also the income from it. The service only allows you to view your profit, but not receive an account statement. To obtain an extract, you will need to visit the branch and submit the appropriate application. You can pre-print it from the official website. Bring your passport with you and indicate the contract number.

How to withdraw money from Sberbank NPF?

You can receive the accumulated money when you reach retirement age. Payment of accumulated funds is made based on the application of the insured person. To do this, contact the bank office and have the necessary package of documents with you. Application forms are available in your personal account. The payment procedure is as follows:

the first payment is made no later than 30 days after the application is submitted;
non-state pension is paid every month;
money is transferred to a bank account.

After the pension is assigned, the client is sent by mail or handed a pension book.

Why doesn’t the contract appear in my personal account?

There are several reasons why an IPP or OPS agreement may not be displayed:

the client has not entered into an agreement with NPF Sberbank;
after the conclusion of the contract, the surname or other passport details were changed
When registering on the resource, errors were made in personal data;
payments under the agreement are made by a legal entity, not an individual.

If the contract is not displayed within a week after its conclusion, then you need to contact support.

As you can see, NPF Sberbank is a comfortable way to invest in your future. The program and the service itself are designed to the smallest detail. The registration procedure is as simple as possible. In your personal account you can track all transactions.