As of September 1, 2026, the volume of pension savings held by Kazakhstanis exceeded KZT 28.47 trillion, marking a 12-month increase of KZT 3.36 trillion (or 13.4%).
Pension savings derived from compulsory pension contributions (CPCs) stood at KZT 26.37 trillion as of September 1, 2026, having risen by KZT 2.53 trillion—or 10.6%—over the preceding 12 months.
Pension savings of compulsory occupational pension contributions (COPC) amounted to KZT 746.16 billion increasing by 5.0% in 12 months.
Growth continued in savings accumulated through voluntary pension contributions (VPCs). As of September 1, 2026, the volume of these savings stood at KZT 10.43 billion, marking a 7.1% increase over the preceding 12 months.
Pension savings derived from employer’s compulsory pension contributions (ECPCs)—which have been credited to contributors' (beneficiaries') pension accounts since January 1, 2024—amounted to KZT 1,348.82 billion as of September 1, 2026, having increased nearly 2.5-fold over the 12-month period.
Incomes
The total volume of accumulated funds is derived from pension contributions and investment income. During the first eight months of 2026, contributions totaling KZT 2,439.42 billion were credited to contributors' individual and conditional pension accounts, representing a 15.9% (or KZT 334.44 billion) increase compared to the same period last year.
From the beginning of 2026 through September 1, 2026, contributions credited to individual pension savings accounts (IPSA) amounted to KZT 1,865.85 billion for compulsory pension contributions (CPC)—an 8.1% increase year-on-year—and KZT 100.97 billion for compulsory occupational pension contributions (COPC)—a 12.3% increase—while voluntary pension contributions (VPC) totaled KZT 1,412.37 million. Employer’s compulsory pension contributions (ECPC) for the period from the start of the year to September 1, 2026, amounted to KZT 471.18 billion.
Net investment income credited to contributors' accounts from the beginning of the year through September 1, 2026, totaled KZT 1,198.09 billion.
Benefits and transfers
Benefits from all types of contributions and transfers to insurance organizations from the Unified Accumulative Pension Fund (UAPF) totaled KZT 1,242.35 billion for the period of January–August 2026.
Old-age pension benefits amounted to KZT 196.23 billion. The average monthly scheduled benefit from the UAPF upon reaching retirement age was 39,008 tenge.
Lump-sum pension benefit payments for housing improvements and medical treatment totaled KZT 462.75 billion between the start of 2026 and September 1, 2026; inheritance benefits amounted to KZT 70.61 billion; payments related to permanent relocation outside the Republic of Kazakhstan totaled KZT 33.62 billion; benefits to persons with disabilities amounted to 2.32 billion tenge; and funeral payments totaled KZT 6.33 billion. A total of KZT 470.49 billion was transferred to insurance organizations.
IPSA number
As of September 1, 2026, the total number of pension accounts at the UAPF stood at 19.01 million (an increase of 1.13 million, or 6.3%, over the preceding 12 months). Of this total, the number of individual pension savings accounts held by contributors (beneficiaries) was 12.87 million, comprising 11.42 million CPC accounts, 794.38 thousand COPC accounts, and 464.91 thousand VPC accounts. It should be noted that the total number of CPC accounts (11.42 million) also includes accounts belonging to beneficiaries who have left the country for permanent residence abroad but have not claimed their accumulated funds; deceased contributors whose heirs have not processed the inheritance of pension savings; military personnel transferred to full state pension provision since 2016; and other categories of contributors (beneficiaries) whose accounts are not subject to contributions under Kazakhstani legislation.
The number of individual pension savings accounts at the UAPF recording information on received ECPC contributions totaled 6.14 million.
Up-to-date statistical data on pension assets is available on the enpf.kz website under the "Statistics and Analytics" section.
UAPF was founded on August 22, 2013 on the basis of GNPF APF JSC. The founder and shareholder of the UAPF is the Government of the Republic of Kazakhstan represented by the State Institution Committee of State Property and Privatization of the Ministry of Finance of the Republic of Kazakhstan. Trust management of UAPF pension assets is carried out by the National Bank of the Republic of Kazakhstan. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, employer’s compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, as well as carries out enrollment and accounting of voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation for the guaranteed deposit, transferred by the organization carrying out mandatory guarantee of deposits, in accordance with the Law of the Republic of Kazakhstan "On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan", ensures the implementation of pension benefits. The Fund also carries out accounting of target assets and target requirements, accounting and crediting of target savings (TS) to target savings accounts, payments of TS to their recipients in bank accounts, accounting for returns of TS in the manner determined by the Government of the Republic of Kazakhstan within the framework of the National Fund for Children program (More details at www.enpf.kz)
1 октября в Казахстане отмечается День пожилых людей. Этот праздник напоминает о ценности жизненного опыта старших, значительную часть которых сегодня составляют получатели пенсионных выплат. За их плечами созидательный труд, забота о семьях и важнейшие вехи становления нашей страны.
Сегодня пенсионные выплаты в республике получают более 2,4 миллиона человек. В гендерной структуре получателей пенсионных выплат преобладают женщины - на их долю приходится 64%, тогда как доля мужчин составляет 36%. Таким образом, женщины составляют почти две трети от общего числа получателей пенсионных выплат.
Особое место в этой статистике занимают долгожители. На сегодняшний день 44 получателя пенсионных выплат в стране уже перешагнули столетний рубеж. Среди них выделяются яркие судьбы, вызывающие искреннее восхищение. Самая старшая пенсионерка страны проживает в Шымкенте, где в свои 106 лет она окружена заботой большой и дружной семьи.
Среди мужчин-пенсионеров самым старшим в стране является 104-летний житель Алматы Зулхарнай Сеитов. Ветеран Великой Отечественной войны, ученый, доктор биологических наук, профессор и академик, он прошел боевой путь от Сталинградской битвы до Берлина. После войны Сеитов связал свою жизнь с наукой и преподаванием, посвятив им многие десятилетия. Он является автором более 150 научных работ, монографий и учебных пособий, а его боевые заслуги отмечены орденом Красной Звезды, орденом Отечественной войны II степени и медалями «За оборону Сталинграда» и «За отвагу».
Судьбы казахстанских долгожителей отражают неразрывную связь времен и преемственность поколений. Их многолетний труд, стойкость и профессиональные достижения создали прочный фундамент для сегодняшнего развития государства.
Государственная корпорация «Правительство для граждан» выражает глубокое уважение и искреннюю благодарность всему старшему поколению за их бесценный вклад в развитие страны. Госкорпорация желает всем согражданам крепкого здоровья, долгих лет жизни и благополучия.
17 сентября 2026 года в г. Алматы прошел Kazakhstan Insurance Forum 2026, объединивший представителей страхового, финансового и пенсионного рынка для обсуждения актуальных вопросов развития отрасли. В рамках форума состоялась панельная дискуссия «Жизнь не по плану: почему мы боимся страховать будущее?», участники которой обсудили вопросы развития страхования жизни, долгосрочного финансового планирования и новых возможностей для граждан в обеспечении будущего дохода.
Дискуссию модерировал эксперт страхового рынка, основатель Centras Group Ельдар Абдразаков. В обсуждении приняли участие председатель Правления АО «ЕНПФ» Жанат Курманов, председатель Правления KASE Адиль Мухамеджанов, председатель Правления АО «КСЖ «BCC Life» Гульжан Джаксымбетова, вице-президент Банка ЦентрКредит Анастасия Овсянникова, председатель Правления АО «Халык-Life» Гаухар Бурибаева и основатель исламской финтех-компании AJR Finance Ltd Мурат Кылышбай.
Одной из тем дискуссии стало развитие пенсионного аннуитета как одного из инструментов пенсионного обеспечения граждан. О перспективах этого направления рассказал Председатель Правления АО «ЕНПФ» Жанат Курманов. Он отметил, что страховой рынок Казахстана демонстрирует высокие темпы роста и обладает значительным потенциалом дальнейшего развития. Вместе с тем, по его мнению, масштабы страховой индустрии пока не в полной мере соответствуют динамике развития экономики.
«Одним из направлений, способствующих развитию страхования жизни, становится рынок пенсионных аннуитетов. Возможность использовать пенсионные накопления для приобретения пенсионного аннуитета изначально была заложена в пенсионной системе как один из вариантов обеспечения гражданина доходом в пенсионном возрасте. Сегодня казахстанцы, имеющие пенсионные накопления в ЕНПФ, могут выбрать различные способы их получения: выплаты по графику из ЕНПФ до исчерпания средств, пожизненные выплаты через страховую компанию либо сочетание этих вариантов.
Рынок страхования жизни во многом интегрирован с инвестиционным рынком. Помимо классических продуктов (немедленный, отложенный и совместный пенсионные аннуитеты) появляются новые возможности, связанные с инвестиционной составляющей. Это закономерно, поскольку страхование жизни во всем мире тесно связано с инвестиционным рынком, а страховые компании выступают крупными институциональными инвесторами.
Поэтому важно, чтобы пенсионный аннуитет воспринимался не по принципу «купил и забыл». Гражданам важно понимать, какие дополнительные преимущества предоставляет этот финансовый инструмент, в том числе с точки зрения долгосрочного финансового планирования и инвестиционной составляющей. Дальнейшее развитие рынка может привести к появлению новых, в том числе гибридных продуктов, которые будут сочетать страховую защиту, регулярные дивиденды и инвестиционные возможности», - прокомментировал Жанат Курманов.
Жанат Курманов также подчеркнул необходимость дальнейшего формирования у населения культуры долгосрочного финансового планирования. Особенно актуальным это становится для молодежи, которая, как отмечалось в ходе дискуссии, зачастую ориентируется преимущественно на краткосрочные финансовые цели.
Какие виды пенсионных аннуитетов доступны казахстанцам
Напомним, что пенсионный аннуитет - это договор между гражданином и компанией по страхованию жизни, по которому страховая компания обязуется выплачивать ежемесячную пенсию пожизненно или до определенного возраста. На рынке страхования жизни Казахстана представлены различные виды пенсионных аннуитетов.
Немедленный пенсионный аннуитет предусматривает начало выплат после заключения договора в соответствии с его условиями.
Отложенный пенсионный аннуитет предполагает, что выплаты начинаются через определенный период, установленный договором. В период отсрочки средства могут инвестироваться в соответствии с условиями договора, что влияет на размер будущих выплат.
Совместный (супружеский) пенсионный аннуитет позволяет объединить пенсионные накопления двух лиц для получения пожизненных выплат в соответствии с условиями договора. После смерти одного из участников выплаты продолжаются в пользу второго.
Таким образом, развитие пенсионного аннуитетного рынка расширяет возможности граждан по формированию долгосрочного пенсионного дохода и предоставляет дополнительные варианты распоряжения пенсионными накоплениями. При этом выбор между получением пенсионных выплат из ЕНПФ и приобретением пенсионного аннуитета является индивидуальным финансовым решением гражданина, которое зависит от его жизненной ситуации, размера накоплений и целей пенсионного планирования.
ЕНПФ создан 22 августа 2013 года на базе АО «НПФ «ГНПФ». Учредителем и акционером ЕНПФ является Правительство Республики Казахстан в лице ГУ «Комитет государственного имущества и приватизации» Министерства финансов Республики Казахстан. Доверительное управление пенсионными активами ЕНПФ осуществляет Национальный Банк Республики Казахстан. В соответствии с пенсионным законодательством ЕНПФ осуществляет привлечение обязательных пенсионных взносов, обязательных пенсионных взносов работодателя, обязательных профессиональных пенсионных взносов, добровольных пенсионных взносов, а также зачисление и учет добровольных пенсионных взносов, сформированных за счет невостребованной суммы гарантийного возмещения по гарантируемому депозиту, перечисленной организацией, осуществляющей обязательное гарантирование депозитов, в соответствии с Законом Республики Казахстан "Об обязательном гарантировании депозитов, размещенных в банках второго уровня Республики Казахстан", обеспечивает осуществление пенсионных выплат. Также Фонд осуществляет учет целевых активов и целевых требований, учет и зачисление целевых накоплений (ЦН) на целевые накопительные счета, выплат ЦН их получателю на банковские счета, учет возвратов ЦН в порядке, определенном Правительством Республики Казахстан в рамках программы «Национальный фонд – детям». (Подробнее на www.enpf.kz).
ЕНПФ — это единый оператор накопительной пенсионной системы Казахстана, который обеспечивает надежность и прозрачность пенсионных накоплений. Его основная задача заключается в аккумулировании пенсионных накоплений граждан и обеспечении их выплат в будущем. Фонд продолжает развивать дистанционные сервисы, благодаря чему казахстанцы могут совершать большинство необходимых операций без посещения офисов. Доступность услуг, оказываемых на сайте и в мобильном приложении в режиме 24/7, является важным условием роста интереса вкладчиков.
За период с 01.01.2026 г. по 31.08.2026 г. Фондом оказано населению 36,2 млн услуг. Из их общего количества 24,0 млн проведено в электронном формате, в автоматическом –11,4 млн. Таким образом, доля услуг в автоматическом, электронном и удаленном форматах составила 98,6 % от общего количества. Несмотря на высокий уровень цифровизации, специалисты фонда продолжают очное обслуживание граждан в региональных отделениях. Однако доля личных визитов в офисы остается минимальной на фоне удобства мобильных и веб-ресурсов. Так, в очном формате было оказано 516,7 тыс. услуг, в том числе непосредственно в офисах Фонда 504,3 тыс.
Напомним, что все пенсионные счета открываются в ЕНПФ автоматически при поступлении первого взноса. Также автоматически начисляются целевые требования гражданам Республики Казахстан, не достигшим 18-ти лет, и открываются целевые накопительные счета (ЦНС) для учета и выплаты целевых накоплений совершеннолетним получателям целевых накоплений в рамках программы «Нацфонд – детям».
Всего за отчетный период общее количество открытых в автоматическом режиме индивидуальных пенсионных счетов (ИПС) по всем видам индивидуальных пенсионных взносов, а также условных пенсионных счетов (УПС) для учета обязательных пенсионных взносов работодателя (ОПВР), перечисленных работодателем за счет собственных средств, и целевых накопительных счетов (ЦНС, открываемых для учета и выплаты целевых накоплений получателям целевых накоплений в рамках программы «Нацфонд-детям») превысило 1,3 млн единиц.
По-прежнему самой популярной услугой является получение выписки с ИПС, УПС и ЦНС. С начала года по всем видам счетов было выдано 25,0 млн выписок, из которых 22,4 млн - в электронном виде и 2,3 млн. выписок - в автоматическом режиме. ЕНПФ напоминает, что получение информации о состоянии счетов через личный кабинет - это самый удобный, надежный и оперативный способ контроля своих пенсионных накоплений. Сервис работает в режиме онлайн круглосуточно (24/7), что позволяет получать актуальную информацию в любое время и из любой точки мира. Информация о состоянии счетов доступна не только через мобильное приложение ЕНПФ и личный кабинет на сайте ЕНПФ, но и через портал egov.kz или мобильное приложение электронного правительства. Это дает дополнительные удобства для пользователей, предпочитающих взаимодействовать с государственными сервисами через единые платформы. ЕНПФ отмечает, что, начиная с 2025 года ежегодная автоматическая рассылка выписок по почте прекратилась. Вместе с тем, получение информации о состоянии пенсионных накоплений по почте по-прежнему возможно при подаче соответствующего запроса на адрес ЕНПФ.
Кроме получения выписки в личном кабинете на сайте и в мобильном приложении вкладчики (получатели) имеют возможность воспользоваться такими услугами, как внесение изменений и дополнений в свои реквизиты, получение справки о наличии счетов, подача заявления о назначении пенсионных выплат в связи с установлением инвалидности 1 или 2 группы бессрочно или в связи с достижением пятидесятилетнего возраста за счет добровольных пенсионных взносов, отслеживание статуса заявления на выплату, перевод части пенсионных накоплений управляющим инвестиционным портфелем (УИП), прогнозный расчет будущей пенсии с помощью пенсионного калькулятора и т.д.. За прошедший период было принято 88,8 тыс. заявлений вкладчиков на перевод части пенсионных накоплений в доверительное управление УИП, из них большая часть – в электронном формате.
ЕНПФ напоминает, что единая информационная интернет-платформа по инвестиционному управлению пенсионными активами граждан invest.enpf.kz объединяет всю ключевую информацию об управляющих инвестиционными портфелями (УИП) в одном цифровом пространстве и обеспечивает системный подход к предоставлению данных об инвестиционной деятельности. На портале invest.enpf.kz на казахском и русском языках пользователям доступны сведения о системе пенсионных накоплений, ценных бумагах, стратегиях (критериях) инвестирования, базовых понятиях, структуре размещения пенсионных активов, а также финансовые показатели каждого УИП, данные о соблюдении УИП регуляторных требований и иные сведения, позволяющие вкладчикам составить свой портрет УИП и его инвестиционной деятельности.
Обращаясь за той или иной услугой к специалистам ЕНПФ, вкладчики, как правило, получают дополнительные консультации и советы по формированию сбережений. В рамках информационно-разъяснительной работы проведено 39,7 тыс. выездных презентаций, на которых присутствовало 783,4 тыс. человек. Количество материалов, размещенных по сообщениям ЕНПФ в средствах массовой информации, составило 27,5 тыс.
Количество поступивших обращений вкладчиков и получателей по каналам обратной связи (Call-центр, консультации через веб-сайт, мессенджеры, социальные сети и другие каналы связи) составило 283,0 тыс.
Напомним, что любая компания может подать заявку на проведение презентации и консультаций по вопросам накопительной пенсионной системы с выездом в офис, для чего нужно просто позвонить в call-центр по номеру 1418 или обратиться через сайт или мобильное приложение Фонда.
Консультационные услуги ЕНПФ можно получить посредством мессенджеров (чат-бота в WhatsАpp и Viber по номеру +7 777 000 14 18), call-центра по номеру 1418 (звонок по Казахстану бесплатный), на корпоративном сайте enpf.kz, а также на официальных страницах ЕНПФ в социальных сетях Instagram, Facebook, ВКонтакте, Telegram, Одноклассники.
ЕНПФ создан 22 августа 2013 года на базе АО «НПФ «ГНПФ». Учредителем и акционером ЕНПФ является Правительство Республики Казахстан в лице ГУ «Комитет государственного имущества и приватизации» Министерства финансов Республики Казахстан. Доверительное управление пенсионными активами ЕНПФ осуществляет Национальный Банк Республики Казахстан. В соответствии с пенсионным законодательством ЕНПФ осуществляет привлечение обязательных пенсионных взносов, обязательных пенсионных взносов работодателя, обязательных профессиональных пенсионных взносов, добровольных пенсионных взносов, а также зачисление и учет добровольных пенсионных взносов, сформированных за счет невостребованной суммы гарантийного возмещения по гарантируемому депозиту, перечисленной организацией, осуществляющей обязательное гарантирование депозитов, в соответствии с Законом Республики Казахстан "Об обязательном гарантировании депозитов, размещенных в банках второго уровня Республики Казахстан", обеспечивает осуществление пенсионных выплат. Также Фонд осуществляет учет целевых активов и целевых требований, учет и зачисление целевых накоплений (ЦН) на целевые накопительные счета, выплат ЦН их получателю на банковские счета, учет возвратов ЦН в порядке, определенном Правительством Республики Казахстан в рамках программы «Национальный фонд – детям». (Подробнее на www.enpf.kz).
As of September 1, 2026, the volume of pension savings held by Kazakhstanis exceeded KZT 28.47 trillion, marking a 12-month increase of KZT 3.36 trillion (or 13.4%).
Pension savings derived from compulsory pension contributions (CPCs) stood at KZT 26.37 trillion as of September 1, 2026, having risen by KZT 2.53 trillion—or 10.6%—over the preceding 12 months.
Pension savings of compulsory occupational pension contributions (COPC) amounted to KZT 746.16 billion increasing by 5.0% in 12 months.
Growth continued in savings accumulated through voluntary pension contributions (VPCs). As of September 1, 2026, the volume of these savings stood at KZT 10.43 billion, marking a 7.1% increase over the preceding 12 months.
Pension savings derived from employer’s compulsory pension contributions (ECPCs)—which have been credited to contributors' (beneficiaries') pension accounts since January 1, 2024—amounted to KZT 1,348.82 billion as of September 1, 2026, having increased nearly 2.5-fold over the 12-month period.
Incomes
The total volume of accumulated funds is derived from pension contributions and investment income. During the first eight months of 2026, contributions totaling KZT 2,439.42 billion were credited to contributors' individual and conditional pension accounts, representing a 15.9% (or KZT 334.44 billion) increase compared to the same period last year.
From the beginning of 2026 through September 1, 2026, contributions credited to individual pension savings accounts (IPSA) amounted to KZT 1,865.85 billion for compulsory pension contributions (CPC)—an 8.1% increase year-on-year—and KZT 100.97 billion for compulsory occupational pension contributions (COPC)—a 12.3% increase—while voluntary pension contributions (VPC) totaled KZT 1,412.37 million. Employer’s compulsory pension contributions (ECPC) for the period from the start of the year to September 1, 2026, amounted to KZT 471.18 billion.
Net investment income credited to contributors' accounts from the beginning of the year through September 1, 2026, totaled KZT 1,198.09 billion.
Benefits and transfers
Benefits from all types of contributions and transfers to insurance organizations from the Unified Accumulative Pension Fund (UAPF) totaled KZT 1,242.35 billion for the period of January–August 2026.
Old-age pension benefits amounted to KZT 196.23 billion. The average monthly scheduled benefit from the UAPF upon reaching retirement age was 39,008 tenge.
Lump-sum pension benefit payments for housing improvements and medical treatment totaled KZT 462.75 billion between the start of 2026 and September 1, 2026; inheritance benefits amounted to KZT 70.61 billion; payments related to permanent relocation outside the Republic of Kazakhstan totaled KZT 33.62 billion; benefits to persons with disabilities amounted to 2.32 billion tenge; and funeral payments totaled KZT 6.33 billion. A total of KZT 470.49 billion was transferred to insurance organizations.
IPSA number
As of September 1, 2026, the total number of pension accounts at the UAPF stood at 19.01 million (an increase of 1.13 million, or 6.3%, over the preceding 12 months). Of this total, the number of individual pension savings accounts held by contributors (beneficiaries) was 12.87 million, comprising 11.42 million CPC accounts, 794.38 thousand COPC accounts, and 464.91 thousand VPC accounts. It should be noted that the total number of CPC accounts (11.42 million) also includes accounts belonging to beneficiaries who have left the country for permanent residence abroad but have not claimed their accumulated funds; deceased contributors whose heirs have not processed the inheritance of pension savings; military personnel transferred to full state pension provision since 2016; and other categories of contributors (beneficiaries) whose accounts are not subject to contributions under Kazakhstani legislation.
The number of individual pension savings accounts at the UAPF recording information on received ECPC contributions totaled 6.14 million.
Up-to-date statistical data on pension assets is available on the enpf.kz website under the "Statistics and Analytics" section.
UAPF was founded on August 22, 2013 on the basis of GNPF APF JSC. The founder and shareholder of the UAPF is the Government of the Republic of Kazakhstan represented by the State Institution Committee of State Property and Privatization of the Ministry of Finance of the Republic of Kazakhstan. Trust management of UAPF pension assets is carried out by the National Bank of the Republic of Kazakhstan. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, employer’s compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, as well as carries out enrollment and accounting of voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation for the guaranteed deposit, transferred by the organization carrying out mandatory guarantee of deposits, in accordance with the Law of the Republic of Kazakhstan "On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan", ensures the implementation of pension benefits. The Fund also carries out accounting of target assets and target requirements, accounting and crediting of target savings (TS) to target savings accounts, payments of TS to their recipients in bank accounts, accounting for returns of TS in the manner determined by the Government of the Republic of Kazakhstan within the framework of the National Fund for Children program (More details at www.enpf.kz)
KEY ISSUES REGARDING UAPF
1. Who manages pension assets?
The investment of pension assets is managed by the National Bank of the Republic of Kazakhstan (NBRK) and, since 2021, by licensed investment portfolio managers (IPMs) that meet the requirements of the authorized body. The primary objective of this fiduciary management of pension savings is to invest in various financial instruments and generate income. Pension asset managers—both the NBRK and IPMs—maintain their own investment strategies and independently determine the structure of their investment portfolios within the framework of their investment declarations.
The current IPM registry includes six private companies to which Kazakhstanis can entrust the management of their pension savings: Alatau City Invest JSC, BCC Invest JSC, Centras Securities JSC, Halyk Finance JSC, Halyk Global Markets JSC, and Tansar Capital JSC. (Note: Halyk Global Markets JSC has notified the Unified Accumulative Pension Fund [UAPF] of the termination of its fiduciary management agreement effective 2027; consequently, as of January 1, 2026, the Fund is no longer accepting applications to transfer pension savings to this company.)
Information regarding IPMs and their investment declarations can be found on the website www.enpf.kz under the "Services" section—specifically the "Registry of Investment Portfolio Managers"—as well as on the online platform invest.enpf.kz.
2. Legislative amendments provide for the possibility of transferring up to 100% of pension savings—accumulated through compulsory pension contributions and compulsory occupational pension contributions—to an investment portfolio manager (IPM) for management. Who is eligible for this, and how does the mechanism work?
All UAPF contributors will have the option to transfer up to 100% of their accumulated savings to private investment portfolio managers (IPMs) for management. These provisions came into effect on September 7, 2026.
Information regarding IPMs and their investment declarations is available on the website www.enpf.kz under the "Services" – "Register of Investment Portfolio Managers" section, as well as via the online platform invest.enpf.kz.
In the near future, a single IPM will be able to offer contributors up to three types of investment portfolios (conservative, moderate, and aggressive), differing in terms of risk level, expected return, and investment horizon.
The procedure for structuring investment portfolios of pension assets will be determined by the authorized body responsible for the regulation, control, and supervision of the financial market and financial organizations.
3) Is it possible to distribute savings among several management companies?
Contributors may select one or more Investment Portfolio Managers (IPMs). To enhance public awareness, the UAPF has launched a unified online information platform: invest.enpf.kz. This modern digital resource enables contributors to compare data on pension asset portfolios managed by various entities—specifically the National Bank of the Republic of Kazakhstan (NBRK) and IPMs—all in one place. Contributors gain access to tools for independently evaluating investment portfolios and selecting a manager and investment strategy tailored to their specific goals and expectations. Furthermore, the invest.enpf.kz platform allows contributors not only to review IPM investment declarations and analyze financial performance but also to access information regarding any administrative measures, sanctions, or enforcement actions taken against an IPM by the regulator (the ARDFM).
4) How the transfer of savings from the UAPF to an asset management company takes place?
To transfer pension savings to trust management, an account holder must select an Investment Portfolio Manager (IPM) and then submit an application using the prescribed form. This can be done via the personal account area on the enpf.kz website or the invest.enpf.kz online platform using an electronic digital signature, or at any UAPF branch.
Within the personal account area, the account holder can, among other things:
•check the amount available for transfer to, or return from, an IPM or the National Bank of the Republic of Kazakhstan (NBRK);
•review the terms and conditions for submitting an application to select (or change) an IPM or to return pension savings currently under IPM management to NBRK management;
•submit an application to select (or change) an IPM or to return funds to the NBRK, and track the application's status;
•access other available pension services.
The status of an application to transfer pension savings to trust management can be tracked in the personal account area on the website or via the UAPF mobile app.
The processes for submitting applications for transfer to an IPM and their subsequent processing by the UAPF are fully automated. The UAPF transfers pension assets to IPM trust management within the timeframes established by regulatory legal acts. However, transferring pension savings from one IPM to another, or returning them to NBRK management, is permitted only after at least one year has elapsed since the initial transfer.
5. Where can contributors find complete information on pension asset management and track the performance of management companies?
The UAPF serves as the central record-keeping and information hub for all contributors and acts as the operator of their individual pension savings accounts, regardless of which entity manages the assets (the National Bank of the Republic of Kazakhstan and/or an Investment Portfolio Manager (IPM) selected by the contributor).
The UAPF provides accessible services related to pension asset management, offering 24/7 access to statements that fully reflect citizens' accumulated savings and earned investment income via the personal account section of the enpf.kz website or the UAPF mobile app.
Information regarding the investment activities of each manager is continuously updated on the enpf.kz website under the "Statistics and Analytics" section—specifically, "Investment Management of Pension Assets."
Additionally, a dedicated online platform (invest.enpf.kz) operates for UAPF contributors; this modern digital resource enables users to compare the asset management performance of all managers (the National Bank of the Republic of Kazakhstan and IPMs). Invest.enpf.kz provides access to return-on-investment data, allows for the comparison of asset managers and their portfolios over selected timeframes, and facilitates informed investment decision-making.
On September 7, 2026, amendments to the Social Code of the Republic of Kazakhstan came into force, expanding the options for contributors to manage their pension savings[1]. According to these amendments, the amount of pension savings transferred to a private investment portfolio manager (IPM) for trust management can now be up to 100% of the funds available in the contributor's (beneficiary's) individual pension savings account, including compulsory pension contributions (CPC), compulsory occupational pension contributions (COPC), and voluntary pension contributions (VPC).
At this, CPC and VPC contributors, as well as individuals for whom COPC and VPC contributions are transferred, can independently determine the amount of their savings transferred to trust management, select one or more IPMs, and one or more investment portfolios in accordance with their financial goals.
Pursuant to with the law, IPMs can create up to three investment portfolios: conservative, moderate, and high-risk. These portfolios vary in risk level, expected return, and investment terms. The ability to choose different investment portfolios is enshrined in Article 37-1 of the Social Code of the Republic of Kazakhstan. Requirements for their formation are determined by the authorized body for regulation, control, and supervision of the financial market and financial organizations.
Full information on the procedure for transferring pension savings to investment portfolio trust managers and investment opportunities is available on the UAPF website and on the invest.enpf.kz platform.
Thus, the pension system is gradually transforming from a model where contributors play a passive role to one that assumes conscious participation in managing their own long-term retirement savings. The consistent expansion of investment strategy options and the increased availability of information on pension asset management are creating conditions for more active participation by contributors in decisions related to the formation of their future retirement income.
UAPF was founded on August 22, 2013 on the basis of GNPF APF JSC. The founder and shareholder of the UAPF is the Government of the Republic of Kazakhstan represented by the State Institution Committee of State Property and Privatization of the Ministry of Finance of the Republic of Kazakhstan. Trust management of UAPF pension assets is carried out by the National Bank of the Republic of Kazakhstan. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, employer’s compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, as well as carries out enrollment and accounting of voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation for the guaranteed deposit, transferred by the organization carrying out mandatory guarantee of deposits, in accordance with the Law of the Republic of Kazakhstan "On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan", ensures the implementation of pension benefits. The Fund also carries out accounting of target assets and target requirements, accounting and crediting of target savings (TS) to target savings accounts, payments of TS to their recipients in bank accounts, accounting for returns of TS in the manner determined by the Government of the Republic of Kazakhstan within the framework of the National Fund for Children program (More details at www.enpf.kz)
[1]Law of the Republic of Kazakhstan dated July 7, 2026 No. 334-VIII "On Amendments and Additions to Certain Legislative Acts of the Republic of Kazakhstan on Issues of Improving Social Legislation"
Between February 1, 2024, and September 1, 2026, a total of 365,553 citizens received targeted savings (TS) payouts under the National Fund for Children program, amounting to approximately US$76.11 million.
From the beginning of 2026 through September 1, 170,156 citizens received TS payouts totaling US$44.84 million. Of this number, 119,279 Kazakhstanis received over US$31.00 million for housing improvements, while 50,877 received US$13.83 million for education expenses.
The funds were transferred to authorized operators for subsequent crediting to the applicants' bank accounts. Recipients have the right to use either the full amount or a portion of it. Any unclaimed funds remain in the targeted savings account (TSA) for 10 years. After this period, the unused balance is transferred to the beneficiary's individual pension savings account, where it is recorded as voluntary pension contributions.
The most popular option for improving housing conditions was topping up housing construction savings accounts for further accumulation: payments totaling US$30.51 million were made to 117,712 recipients. Additionally, US$183.65 thousand was paid to 788 young Kazakhstanis for down payments on mortgage loans to purchase homes, while US$102.17 thousand was paid to 437 Kazakhstanis for the outright purchase of housing via civil-law transactions (final settlement).
Regarding the use of targeted savings for education, the largest share of funds was allocated to pay for educational services provided by institutions within the Republic of Kazakhstan—either in installments (per academic period or school year) or as a single lump-sum payment (covering the entire course of study); 47,584 citizens received a total of US$12.96 million under this category.
The following services were also in demand: topping up educational savings accounts under the relevant agreements—funds totaling US$587.56 thousand were transferred to 2,309 recipients; additionally, US$220.44 thousand was disbursed to 861 citizens to cover educational services provided by foreign educational institutions, either in installments (per academic period or academic year) or as a lump-sum payment (for the entire duration of study).
It should be noted that the accrual of targeted requirements ceases upon the death of a participant or the entry into legal force of a court decision declaring them deceased. To claim targeted entitlements /TS following the death of a participant or recipient, heirs may apply to the Unified Accumulative Pension Fund (UAPF) in accordance with the procedure established by the Government of the Republic of Kazakhstan.
As of September 1, 2026, payments totaling 74.46 thousand US dollars have been made to heirs, with 226 citizens receiving the funds.
Detailed information on TS payouts for housing improvement and/or education expenses, broken down by authorized operators and regions, is available on the enpf.kz website.
It is worth noting that, based on the results for 2025, a payment of $130.71 per child was credited to Kazakhstani children; for 2024, the amount was $129.38; and for 2023, it was $100.52.
Funds from the National Fund are credited annually to children under the age of 18 in the form of targeted allocations. Under the law, the amounts credited to young Kazakhstanis remain part of the National Fund’s assets and continue to be invested. Thanks to this ongoing investment, the value of each child's targeted requirements grows annually through the generated investment income.
As a result, the total accumulated value of all targeted requirements (including the investment income added each year) for a child participating in the program:
- - three years, amounted to 370 dollars 56 cents;
- two years, amounted to 263 dollars 93 cents;
- one year, amounted to 130 dollars 71 cents.
Parents and other legal representatives can verify a child's participation in the program using the child's IIN (Individual Identification Number) via the kids.enpf.kz website, the personal account section of the eGov.kz e-government portal, as well as the eGov Mobile app and the mobile apps of certain second-tier banks.
If information regarding the targeted allocations accrued to children for the 2025 reporting year is not displayed, it is necessary to update the documents within the mobile apps by following this path:
The absence of information regarding the accrual of targeted requirements for children who have reached or will reach the age of 18 this year in the legal representative's personal account is due to the fact that these entitlements have acquired "TS" status; consequently, access to information about them is granted directly to the TS recipient (the individual who has reached or will reach the age of 18 in 2026). These individuals must independently access information about their TS via their personal accounts on the UAPF or e-government websites so that, upon turning 18, they can contact an authorized operator to open a US dollar bank account and submit an online application for the TS payout to improve housing conditions and/or pay for education.
Currently, the authorized operators are:
Statistics regarding minors participating in the targeted entitlements program, adult TS recipients, and the use of TS funds for housing and/or education are available on the enpf.kz website.
You can review the program terms and obtain instructions and answers to your questions on the kids.enpf.kz website. You can also view video commentary and instructions on the topic on the БЖЗҚЕНПФ YouTube channel:
video commentary by Zh.B. Kurmanov, the Chairman of the Executive Board of UAPF JSC:
https://www.youtube.com/watch?app=desktop&v=30CdPWl6dv0
Video commentary by M.T. Sharipov, Managing Director of UAPF JSC:
https://www.youtube.com/watch?v=APg2vATmMk0
"Q&A" video commentary on the National Fund for Children program:
https://www.youtube.com/watch?v=4cKr1VCAvUk
https://www.youtube.com/watch?v=mrV0y37Gjnk
Instructions for the National Fund for Children website:
https://www.youtube.com/watch?v=VgP3dmMwAHc
https://www.youtube.com/watch?v=jyC2c-HgqpQ
Instructions on the implementation of the National Fund for Children program:
https://www.youtube.com/watch?v=bqeT41rWecA
https://www.youtube.com/watch?v=pNBSS1VHdWU
UAPF was founded on August 22, 2013 on the basis of GNPF APF JSC. The founder and shareholder of the UAPF is the Government of the Republic of Kazakhstan represented by the State Institution Committee of State Property and Privatization of the Ministry of Finance of the Republic of Kazakhstan. Trust management of UAPF pension assets is carried out by the National Bank of the Republic of Kazakhstan. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, employer’s compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, as well as carries out enrollment and accounting of voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation for the guaranteed deposit, transferred by the organization carrying out mandatory guarantee of deposits, in accordance with the Law of the Republic of Kazakhstan "On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan", ensures the implementation of pension benefits. The Fund also carries out accounting of target assets and target requirements, accounting and crediting of target savings (TS) to target savings accounts, payments of TS to their recipients in bank accounts, accounting for returns of TS in the manner determined by the Government of the Republic of Kazakhstan within the framework of the National Fund for Children program (More details at www.enpf.kz)
As of August 1, 2026, the pension savings of Kazakhstanis amounted to 28.35 trillion tenge, an increase of 3.50 trillion tenge (or 14.1%) over the past 12 months.
The bulk of pension savings come from compulsory pension contributions (CPCs). As of August 1, 2026, their volume reached 26.31 trillion tenge, an increase of 2.69 trillion tenge (or 11.4%) over the past 12 months.
The volume of pension savings formed through compulsory occupational pension contributions (COPCs) exceeded 751.56 billion tenge. This figure has grown by 6.6% over the past 12 months.
Savings formed through voluntary pension contributions (VPCs) continued to grow. As of August 1, 2026, their volume amounted to 10.41 billion tenge, an increase of 14.9% over the 12 months.
A significant increase in pension savings formed through employer’s compulsory pension contributions (ECPC), which have been deposited into the pension accounts of contributors (beneficiaries) since January 1, 2024, has also been noted. As of August 1, 2026, their volume amounted to 1,273.93 billion tenge, an increase of 2.5 times over the 12 months.
Incomes
The total savings volume is provided by pension contributions and investment income. In the first seven months of 2026, 2,127.27 billion tenge in contributions were received into individual and conditional pension accounts, an increase of 15.7% (or 289.09 billion tenge) compared to the same period last year.
Individual pension savings accounts (IPSAs) for the purpose of accounting for compulsory pension contributions (CPCs) received 1,630.80 billion tenge as of August 1, 2026 (an increase of 8.1% compared to the same period last year), 87.69 billion tenge in COPCs (an increase of 11.0%), and 1,251.28 million tenge in VPCs. ECPC since the beginning of the year as of August 1, 2026, amounted to 407.53 billion tenge.
Net investment income received by contributors since the beginning of the year as of August 1, 2026, amounted to 1,233.05 billion tenge.
Benefits and transfers
Benefits for all types of contributions and transfers to insurance companies from the UAPF for January-July 2026 reached 1,083.51 billion tenge.
The volume of old-age payments amounted to 170.95 billion tenge. The average monthly payment scheduled from the UAPF upon reaching retirement age was 38,993 tenge.
Lump-sum pension benefit payments (LSPBPs) for housing improvements and medical treatment from the beginning of 2026 as of August 1, 2026, amounted to 435.20 billion tenge, inheritance payments amounted to 63.06 billion tenge, payments related to departure for permanent residence outside the Republic of Kazakhstan amounted to 28.13 billion tenge, payments to persons with disabilities amounted to 2.05 billion tenge, and funeral payments amounted to 5.56 billion tenge. An amount of 378.56 billion tenge was transferred to insurance organizations.
IPSA number
The total number of pension accounts in the UAPF as of August 1, 2026, was 18.89 million (an increase of 1.12 million or 6.3% over the 12 months). The number of individual pension savings accounts of contributors (beneficiaries) in the UAPF as of August 1, 2026, was 12.84 million, of which 11.39 million were under the CPC, 789,480 under the COPC, and 463,690 under the VPC. It should be noted that the total number of accounts for recording the CPC (11.39 million) also includes accounts of beneficiaries who have permanently resided outside the country but have not applied for their savings, deceased contributors whose heirs have not formalized the inheritance of their pension savings, military personnel who transferred to full state pension provision in 2016, and other categories of contributors (beneficiaries) whose accounts, according to Kazakhstani law, should not receive contributions.
The number of notional pension accounts in the UAPF recording information on received CPC totaled 6.06 million.
All up-to-date information on pension asset statistics is available on the enpf.kz website in the "Statistics and Analytics" section.
UAPF was founded on August 22, 2013 on the basis of GNPF APF JSC. The founder and shareholder of the UAPF is the Government of the Republic of Kazakhstan represented by the State Institution Committee of State Property and Privatization of the Ministry of Finance of the Republic of Kazakhstan. Trust management of UAPF pension assets is carried out by the National Bank of the Republic of Kazakhstan. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, employer’s compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, as well as carries out enrollment and accounting of voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation for the guaranteed deposit, transferred by the organization carrying out mandatory guarantee of deposits, in accordance with the Law of the Republic of Kazakhstan "On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan", ensures the implementation of pension benefits. The Fund also carries out accounting of target assets and target requirements, accounting and crediting of target savings (TS) to target savings accounts, payments of TS to their recipients in bank accounts, accounting for returns of TS in the manner determined by the Government of the Republic of Kazakhstan within the framework of the National Fund for Children program (More details at www.enpf.kz)
Every year, citizens in Kazakhstan are becoming more aware of their pension security, as is common in other countries. More and more people view their pension savings as their own long-term financial capital, which determines their well-being in old age. This is evidenced by the dynamic growth of savings, the expansion of the population's coverage by the funded pension system (FPS), the increase in the number of citizens regularly making pension contributions, and the increased regularity of their transfers.
Growth of pension savings and open pension accounts of citizens
As of July 1, 2026, Kazakhstani pension savings in the UAPF reached 28.09 trillion tenge, an increase of 4.08 trillion tenge, or 17.0%, year-on-year.
One indicator of the development of the NPS is the steady growth in the number of pension accounts. As of July 1, 2026, 18.78 million pension accounts were opened in the UAPF, an increase of 1.11 million, or 6.3%, compared to the previous year. Of these, 12.80 million are individual pension savings accounts of contributors (beneficiaries), including 11.36 million for compulsory pension contributions (CPC), 786,270 for compulsory occupational pension contributions (COPC), and 462,400 for voluntary pension contributions (VPC). In addition, the UAPF maintains 5.97 million notional pension accounts, which track information on employer’s compulsory pension contributions (ECPCs). All account and savings information is transparent and accessible to citizens 24/7 via a personal statement, which can be obtained from the UAPF website or mobile app, as well as at regional offices.
How to correctly assess the population's activity in paying pension contributions?
When assessing citizen activity, it is important to consider the following. The total number of open CPC accounts (11.36 million) includes accounts to which contributions are no longer being received for objective reasons. These accounts include the following categories of citizens:
- pension recipients who have reached retirement age and are exempt from further pension contribution payments even if they continue to work and have an income;
- persons with permanent first and second group disabilities;
- military personnel transferred to full state pension coverage since 2016;
- other categories of contributors (beneficiaries) to whose accounts, in accordance with Kazakhstani law, contributions should not be received;
- contributors who have permanently resided outside the country but have not claimed their savings;
- deceased contributors whose heirs have not yet formalized the inheritance of their pension savings.
Moreover, all citizens experience objective circumstances throughout their lives during which they do not have income from which pension contributions must be paid. Such periods include the following:
- studying at educational institutions,
- military service,
- caring for children and relatives,
- periods of job search and change,
- work abroad,
- breaks related to the seasonal nature of work,
- work that requires irregular income throughout the calendar year,
- periods associated with long-term treatment and rehabilitation.
Therefore, in international practice, the generally accepted and most objective indicators of population participation in the FPS are the number of citizens receiving income and the corresponding number of active individual pension savings accounts that received at least one contribution during the year. In the first half of 2026 alone, their number increased from 7.20 million to 7.34 million accounts (an increase of 150,300). At the same time, the volume of pension savings in these accounts also increased. In the first half of 2026, it increased from 20.95 trillion tenge to 22.24 trillion tenge, or by almost 1.29 trillion tenge (6.2%).
The majority of active accounts belong to citizens who are permanently employed and regularly pay the CPC. Their number increased from 6.77 million to 6.93 million over six months, and savings on them increased from 20.10 trillion to 21.07 trillion tenge.
Regularity and completeness of payment of pension contributions
Important factors in building adequate pension savings (in addition to the duration of participation in the FPS) are the regularity and completeness of contribution payments.
In Kazakhstan, the average regularity of CPC payments per year has been steadily increasing:
- for employees, this figure increased from 8.95 in 2024 to 8.98 contributions in 2025;
- for the self-employed, from 7.36 to 7.53.
Moreover, 80% of employees and 64% of the self-employed paid pension contributions 6 to 12 times a year in 2025.
The average contribution amount in 2025 was 43,661 tenge among employees (which correlates with the payment of contributions from income at the level of the average wage in the republic), 23,225 tenge among the self-employed (which indicates the payment of contributions from income above the minimum wage, but below the median wage).
Long-term trends also indicate a gradual increase in FPS coverage and CPC payment compliance. While the number of active CPC accounts was 6.07 million in 2015, by 2025 their number exceeded 7.20 million. The share of citizens paying contributions 6 to 12 times a year increased from 71% in 2015 to 78% in 2025. Accordingly, the share of those paying contributions sporadically (1 to 5 times a year) decreased from 29% to 22%.
Dependence of pension contributions on the level of income of contributors
Positive changes are observed in the structure of active individual CPC accounts based on contributor income levels.
Over the course of 2025 (as of January 1, 2026), the share of accounts receiving contributions from incomes below the minimum wage (MW) decreased from 12% to 9% (the number of such accounts decreased from 838,300 to 652,400, or by 22.2%). These include contributors employed part-time or with shift work.
At the same time, the number of accounts receiving contributions from higher incomes increased. By 2025, the share of active accounts with incomes ranging from the median to the average monthly salary[1] increased from 44% (as of January 1, 2025) to 45% (as of January 1, 2026), and the number of such active accounts increased from 3.17 million to 3.28 million. This trend reflects both the growth of official employment and income, as well as citizens' desire to accumulate savings by paying contributions from their income transparently and in full.
By the end of 2025, coverage among employees reached 91%, demonstrating their near-complete coverage and participation in building their pension savings. Coverage is lower among self-employed workers, necessitating the implementation of a range of measures to integrate them into the pension system, taking into account best international practices. This is especially important since the basic pension amount also depends on length of service, which is determined based on the monthly contribution of the CPC to the UAPF.
Thus, in today's environment, pension savings are becoming not only a mechanism for ensuring income after retirement, but also an important element of society's financial culture and the financial independence of its citizens.
Citizens are increasingly monitoring their account balances, using UAPF electronic services, inquiring about investment income, and exploring pension asset management options. Citizen participation in building their own savings, regular contribution payments, and interest in savings management indicate the gradual emergence of long-term financial planning practices in Kazakhstan, where responsibility for future well-being is becoming a shared responsibility between the state, employers, and citizens themselves.
UAPF was founded on August 22, 2013 on the basis of GNPF APF JSC. The founder and shareholder of the UAPF is the Government of the Republic of Kazakhstan represented by the State Institution Committee of State Property and Privatization of the Ministry of Finance of the Republic of Kazakhstan. Trust management of UAPF pension assets is carried out by the National Bank of the Republic of Kazakhstan. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, employer’s compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, as well as carries out enrollment and accounting of voluntary pension contributions formed at the expense of the unclaimed amount of guaranteed compensation for the guaranteed deposit, transferred by the organization carrying out mandatory guarantee of deposits, in accordance with the Law of the Republic of Kazakhstan "On mandatory guarantee of deposits placed in second-tier banks of the Republic of Kazakhstan", ensures the implementation of pension benefits. The Fund also carries out accounting of target assets and target requirements, accounting and crediting of target savings (TS) to target savings accounts, payments of TS to their recipients in bank accounts, accounting for returns of TS in the manner determined by the Government of the Republic of Kazakhstan within the framework of the National Fund for Children program (More details at www.enpf.kz)
[1] According to the Bureau of National Statistics of the Agency for Strategic Planning and Reforms of the Republic of Kazakhstan for the third quarter of 2025, the average monthly salary was 429,368 tenge, the median salary was 302,584 tenge