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Deposit Administration


The Hallmark of an organization is to have highly motivated employees during and after their employment. That is why smart companies today recognize that their major investment is in continuous development of human resource. By investing in a Staff Retirement Benefits Scheme, an employer is sure to attract and retain high caliber staff for higher business productivity and returns.

  • Provident fund- Provident funds pay only a lump sum benefit at retirement or upon earlier withdrawal from the scheme.
  • Pension fund - Pension schemes provide both a lump sum benefit at withdrawal or retirement and periodic payments for life. 


  • Both employer & employee contribute
  • The scheme can be none contributory
  • Contributions levels fixed as % of salary
  • Easy to administer
  • Future cost of scheme is known
  • Retirement benefits will depend on the contribution plus   the accrued interest.


  • Pension received from unregistered retirement funds is tax exempt.
  • Upon death of an employee who is a member of a registered scheme, the dependants qualify as a group to tax-exempt amounts. Where benefits are paid to an estate, the first Kshs. 1.0 Million is tax-free.
  • Annual pension up to a maximum of Kshs. 180,000.00 per year is not chargeable to tax.  The balance in excess of Kshs. 180,000.00 will be subject to withholding     tax.
  • Retirement benefit amount and subject to tax  free amounts of Kshs. 48,000 per month up to a maximum of Kshs. 480,000
  • Transfers between retirement schemes are not treated as withdrawals for tax purposes.
  • The maximum contribution payable is 30% of salary and the maximum relief is Kshs. 20,000 P.M or Kshs. 240,000 p.a.


1. Who May Purchase?
All smart companies and organizations.

2.What are the requirements for quotations?

We need:-

  • Names/payroll numbers
  • Salary (Total Payroll)
  • Contribution % by employee and Employer
  • Gender
  • Age or D.O.B
  • Retirement Age

How do I get Started

  • Group Proposal form completed and signed by employer/Association
  • Individual member application forms together with copies of their Identity cards
  • Quote provision: This e-mail address is being protected from spambots. You need JavaScript enabled to view it