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About PSPF

Legal Framework

The Public Service Pensions Fund is a social security scheme established by Public Service Retirement Benefits Act No. 2 of 1999.  The main purpose is to provide for collection of contributions and payment of terminal benefits to members. The Fund is operated under two different schemes known as PSPF Main Scheme and PSPF Supplementary Scheme of which membership is voluntary.


Membership to the Fund is open to any person who has been employed in the formal and informal sector. Previously, the Fund was established to manage a defined benefit scheme in which membership was limited to the Central Government employees and employees of executive agencies established under the act of parliament and confirmed in the pensionable office. However, amendments made in the Act No. 2, 1999 in June 2012 and the Social Security Regulatory Authority (SSRA) established under Act No. 8 of 2008 extended membership of the scheme to include employees of formal and informal sector who are not registered under any other scheme. The aim for amendments is to extend social security services to everyone.

The Scheme

The Fund is operating two schemes; the main scheme and the supplementary scheme and each one has its own terms.  The former is a defined benefit social security scheme operating on social insurance principles while the latter is a defined contribution scheme. 


To be the provider of choice of Social Security Services in the country.


To provide competitive Social Security Services to our members using dedicated staff and appropriate technology.

Core Values

The Fund will provide services to its members, stakeholders and the general public while observing the following guiding principles:

  • Accountability
  • Responsibility
  • Responsiveness
  • Integrity
  • Diligence
  • Transparency
  • Courtesy to all

These values form foundation on which the Fund will conduct and perform its duties.

Business Slogan

The statement should be centred and put in italics as follows:

PSPF – For Peace of Mind”

Benefits Conferred Under The Schemes
The main scheme offers the following benefits:

  • Old Age benefits
  • Death benefits
  • Invalidity benefits
  • Funeral Grants
  • Withdrawal in respect of marriage, maternity, emigration.

The supplementary scheme offers the following benefits:

  • Education benefits
  • Entrepreneurial Support Benefits
  • Retirement Benefits
  • Death Benefits
  • Invalidity Benefit ands
  • Withdrawal Benefits

Other Services
Other services offered include:

  • Housing loan facility to members who have at most five years before statutory retirement in which the Fund advances up to 50% of the member’s gratuity calculated at the time of application.
  • PSPF Houses which are open for sale to the public.  At the moment, the available houses are located in Morogoro, Tabora, Mtwara, Shinyanga and Dar es Salaam.  The Fund is aiming to build low cost houses in all regions in Tanzania.
  • PSPF members who have contributed to the Fund for not less than five years equivalent to 60 months may benefit from mortgage facility as they are guaranteed by the Fund to secure a housing loan at a rate of 12% from Azania Bank, Exim Bank and CRDB. The loan is repaid on monthly basis for a period up to 25 years.
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26th February 2014
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 PSPF Member kutoka USA na Canada
6th December 2013
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