Whether you’re formally employed, self-employed, or somewhere in between, your retirement should reflect the life you've worked hard for. That’s where our Personal Retirement Scheme (PRS) comes in a flexible, affordable, and tax-friendly way to build your pension savings over time.

You decide how much to contribute, starting from just UGX 100,000 per month, and we invest it in a diversified portfolio to help your money grow daily. With a guaranteed minimum interest of 5% p.a., your small steps today can lead to a solid, reliable income tomorrow.

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Your Contributions Belong to You

Whether self-funded or employer-funded, your contributions remain 100% yours, even if you change jobs or take a break from formal employment.

Flexible & Affordable

Start saving with as little as UGX 100,000 per month. Choose to pay monthly, quarterly, semi-annually, or annually, and adjust your contribution anytime. You can pay via salary deduction, Mobile Money, or bank transfer.

Daily Growth, Guaranteed Returns

We credit interest to your account daily, at a minimum rate of 5% per annum. Even if you exit early, you'll still earn interest on your contributions up to the time of withdrawal.

Top Up Anytime

Want to keep up with inflation or boost your savings? You can increase your contributions at any time — either as a one-time top-up or by setting up a regular escalation.

Tax Efficiency

Your retirement savings grow tax-free under Uganda’s retirement savings framework, as regulated by URBRA (Uganda Retirement Benefits Regulatory Authority).