Swaziland

Swaziland National
National Provident
Provident Fund
Fund

Information for Members

Your Future, Your Life

Swaziland National Provident Fund

Information for Members
The Swaziland National Provident Fund is a savings scheme,
the principal purpose of which is to provide benefits for
employed persons when they retire from regular employment
in old age or in the event of becoming incapacitated. The
employer is responsible for paying statutory contributions
for every employee who is eligible to become a member of
the Fund, but is given authority to take what is termed as
employees share of this contribution from wages currently
one-half of the statutory contribution payable.

Administration
The Fund is administered by an independent Board
appointed by the Minister for Labour and Social Security
under the provisions of the Swaziland National Provident
Fund Order, No. 23 of 1974.
The Board is constituted as shown hereunder: Principal Secretary Ministry of Finance
Principal Secretary Ministry of Labour and Social
Security
Commissioner of Labour
One representative from the Ministry of Home Affairs
Two representatives from Swazi National Council
Three representatives from Employer Associations
Three representatives from Employee Associations
The Chief Executive Officer
In selecting the employer and employee representatives, the
Minister consults the employer federations and employee
Federations. In this way it is expected that any names
proposed by these organizations are those of people

nominated by their affiliated bodies.

So as to ensure that employers and employees know what
the Provident Fund Board does, it is expected that the
representatives report to their federations on a regular
basis in whatever manner the federations might have
arranged.
Contributing Employers
All employers are required by law to register with the
Fund in terms of Registration of Contributing Employers
Order 1975. Employers of domestic workers, however, are
exempted from registering with the Fund at the moment.
A religious organization, church, mission etc., may also
apply to the Fund to make contributions in respect of its
minister(s) of religion, although technically a Minister is
not an employee. Registered employers are supplied with a
comprehensive guide by the Swaziland National Provident
Fund giving full information about the schemes operations,
including the detailed arrangements for collecting and
accounting for contributions.
Eligible Employees
Every regularly employed Swazi citizen (there are no lower
or upper age limits for members) who is employed by a
registered employer under any type of contract of service,
written or oral, unless engaged in an exempt category
of employment, is eligible to have contributions paid in
respect of him and to become a member of the Fund.
If his employer takes him to work outside Swaziland, he
remains an eligible employee as long as he is deemed to be
ordinarily resident in the Kingdom.

Exempt Employees
There are certain categories of employees, who although
their employers may have to register, are not themselves
eligible to have contributions paid to the Fund in respect
of them.
These employees are:
(a) Non-citizens of Swaziland
(b) Persons in the Public Service who are eligible for
pension benefits under the Pension Order, 1993.
(c) Senior University staff who are entitled to receive
benefit under the Federation Superannuation Scheme
for Universities;
(d) Whole-time students of any university or institution
for further education or vocational training who obtain
vacation employment;
(e) School learners who take up temporary employment
pending admission for a whole time course at a
university or institution, provided that the admission
occurs within two years from the date the person left
school and took up such temporary employment.
(f) Domestic workers employed in private households; and
(g) Casual employees
Casual Employees
A casual employee is a person employed on a daily contract
of service who has been employed by his employer for a
continuous period of less than one month. Such persons
are not eligible to become members of the Fund.
Registration for Membership
For purposes of identification, all employees must have
a personal identity number (PIN) and graded tax identity

number obtained from the Swaziland Revenue Authority.

The graded tax number is currently in the process of being
replaced by the national Personal Identity Number (PIN).
The members account number in the Fund will be the digits
after the first six of the tax-payers personal number and in
the case of the PIN; it will be the whole number. The code
number linking the taxpayer to his region and chief are the
first four digits, respectively. Digits five and six link the tax
payer to his Indvuna. In the case of the PIN, the first six
digits signify the members date of birth, the seventh the
persons gender, the next four the members serial number
and the last one is a control digit.
On receipt of information from an employer concerning the
workers identity, i.e. full names and Graded Tax Number
and PIN, the Fund will open an account in that individuals
name. All contributions from successive employers will be
posted to that account. So it is important that Graded Tax
Clearance Certificates and related documents are not lent to
friends or relatives great care should be taken of Graded
Tax Clearance Certificates because if they fall into the
wrong hands the rightful owner may lose his contribution
credits to a wrong person. A year of birth must be supplied
by a member to his employer for the Funds purposes.
Two Graded Tax Certificates
No member of the Fund should have more than one
Graded Tax number and, if the member has two or more
Graded Tax Certificates with different identity numbers or
knows that registration with the Income Tax Department
or Swaziland Revenue Authority has been more than once,

he should inform the Swaziland Revenue Authority and his

employer accordingly, who in turn should inform the Funds
office.
Change of Employment
A member of the Fund who changes his employment must
first collect his Graded Tax Clearance Certificate from his
last employer and produce it to his new employer so that
the National Provident Fund contribution remitted to the
Funds office in respect of him will be credited to the correct
account. He should also collect a Contribution Record Card
(NPF 101) from his last employer so that he can see what
contributions have been made in respect of him for the
current year.
A person who cannot produce his/her graded tax
clearance certificate cannot be paid his benefits once they
become due. At this time the member must produce his
graded tax clearance certificate and inform the Fund where
he worked right through his working history to enable the
Fund to trace his contributions.
It is obvious, therefore, that the non-production of a
graded tax clearance certificate by a member eventually
contributes to enormous delays and loss of contributions
when a benefit has to be paid. It is for this reason that
all members of the Fund are urged to ensure that their
graded tax numbers and PINs are supplied to the Fund as
explained above.

Statutory Contributions
Whilst the employer is responsible for paying to the
Swaziland National Provident Fund office, each month, a
statutory contribution related to each workers earnings
during the month, he is given authority to recover what is
termed employees share from employees wages paid.
The employees share is currently half of the appropriate
statutory contribution, and employers have authority to
deduct the employees part of the contribution from wages
at the time of their payment.
It is illegal for the employer to recover arrears of contributions
from current wages. The table below illustrates how the
amount of a monthly statutory contribution is shared
between employer and employee:Example of Provident Fund contribution table
Employees
Monthly
Earnings
E
300
400
500
600

Employees
Share of
Contribution
E
c
15
00
20
00
25
00
30
00

Amount added
By Employer
E
15
20
25
30

C
00
00
00
00

Total S.N.P.F
Monthly
Contribution
E
C
30
00
40
00
50
00
60
00

How the Members Account Grows

Throughout the members working life, all his National
Provident Fund contributions are paid into his account
with the Fund. After the first month, interest is added
monthly, the rate of interest being decided each year by
the Swaziland National Provident Fund Board. At the end
of each financial year a statement of account is sent to the
member updating him of contributions received during the
statement year and the accumulated amount thereof.
Protection of Contributions and Benefit Accounts
All money in the Fund is vested in the Provident Fund Board
and members accounts are fully protected against seizure
by creditors. A members contribution credit can only be
drawn to pay a benefit to the member or his survivors.
FundsInvestments
It is important for members to know where the money that
is used to grow their accounts comes from. The Funds
investments are controlled by a special committee called
Investment Committee consisting of the Principal Secretary,
Ministry of Finance (who becomes chairman of the
committee), and two members of the public experienced
in financial matters and the Chief Executive Officer of the
Fund. On receipt of the contributions, the Fund, through its
Investment Committee invests the money in the best way
possible. In terms of the Order, the Fund deducts from the
total returns collected each year, administration costs i.e.
salaries, motor vehicle expenses, travelling costs etc. From
what has remained, the Fund pays interest to all members
accounts at the rate determined by the Board from year to

year.
This rate of interest shall be fixed by the Board in such a
way that a surplus remains for credit to the reserve account
in compliance with the provisions of the Order.
Benefits
The main aim of the Provident Fund is to provide the
member with some means of support in his old age, so
that he will not be wholly dependent on his family or public
funds when he is no longer employed. There are, however,
other occasions where the member is eligible for benefit
from the Fund, and these are explained below.
The benefit is paid in one amount or in a limited number of
installments, at the discretion of the Chief Executive Officer,
but there is an annuity purchase scheme which can provide
a member with an income for life during retirement or on
being totally incapacitated from work due to injury or illhealth.
Age Benefit
Benefit on age grounds is paid when the member is at least
50 years of age, but it can be claimed before then as a
retirement benefit if the member is at least 45 years of
age and has retired from regular employment or become
self-employed.
A members age is normally determined in the absence
of any documentary proof by the employer, but, if there
is any dispute as to age, the Chief Executive Officer is
given authority to decide a members date of birth for the

purpose of any benefit.

If a member, having qualified for age benefit at 50 years,
continues to work, Provident Fund contributions are payable
by his employer, he builds up credits afresh. He must then
wait two years, however, before claiming a benefit again.
Unemployable/Disability
Benefits can be paid to a member who has had the misfortune
to become permanently unemployable through physical or
mental disability; incapacity for work is assessed having
regard to medical factors. A medical report is therefore
essential for purposes of paying a benefit under this claim
type.
Supplementary Contribution
A supplementary contribution may be deducted from
an employees wages in whole or in part depending
on the agreement reached between the employer and
the employee. On leaving the employer for any reason
and at whatever age, the amount paid to the Fund as a
supplementary contribution becomes claimable by the
Member, with interest in the event that he decides to claim
it. Other than leaving the employers service, the amount is
included in a members benefit when he has claimed on age
or any of the qualifying grounds.
Emigration Benefit
If a member satisfies the Chief Executive Officer that he is
about to emigrate, or has emigrated from Swaziland with
no intention of returning to the Kingdom, an emigration
benefit is payable without regard to age.

Survivors Benefit
If a member dies before qualifying for a personal benefit,
the amount in his benefit account is available to surviving
members of his family as a survivors benefit. Such a benefit
is payable in accordance with the provisions of the SNPF
Order No. 23 of 1974.
SIPHEPHELO FREE FUNERAL PLAN
Background
This is a non-contributory funeral policy for members of the
Swaziland National Provident Fund. It provides a funeral
benefit to the members next kin in the event of a qualifying
members death.
Benefits
This policy offers the following benefits to the deceased
members next of kin
A total cash sum of E5,000.00 with effect from 1st
August 2013.
Additional Benefit
Double accidental death-cover (this includes car and
occupational accidents that will not be found to have
been self-imposed)
Qualifications
The member must meet the following qualifications to be
entitled to the funeral benefits:
The member must be an active member of the Fund at
the time of his death and
At the date of death, contributions in respect of the
deceased member must have been paid to the Fund for

10

at least 3 consecutive months of the 12 months

preceding that date.
Claiming Procedures
Benefits claiming requirements under this Policy shall be
as follows:
The lodgment of a claim for a funeral benefit must be
done not later than six months from the date of the
members death, failing which the claim shall not be
accepted.
The following documentation shall be supplied to the Fund
by the claimant or deceased members next of kin in the
course of submitting a claim for a Benefit:
a) Completed claim form
b) Original copy of the deceased members valid death
certificate;
c) Copy of the deceased members Swaziland National
Identity Card and Graded Tax Clearance Certificate;
d) Employers letter confirming death of member and the
recorded next of kin;
e) Claimants Swaziland National Identity Card
f) Such other supporting documentation as the Fund may
reasonably require.
g) The Fund shall admit or reject or request further
evidence in respect of a claim within a reasonable
period after receipt of the information required in terms
of Clause (a) and (b).
In the event of a request for further evidence by the Fund,
the claimant or the deceased next of kin shall be required
to supply such further evidence to the Fund within one
week of the Funds request..

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Effective Date
The effective date of this policy is 10th August 2011 being
the date of the publication of the Government Gazette
giving effect of the policy.
Member Nomination of Survivors to Receive Benefit
As soon as a member of the Fund has some contributions
in his account he may nominate the member (s) of his
family he wishes to receive the benefit in the event of his death.
The marriage of a member is deemed to revoke any prior
nominations made by him and if, on the death of a member,
no new nomination has been made since marriage, the
Chief Executive Officer will pay the benefit to the surviving
spouse or if there is more than one surviving spouse, divide
the benefit amount to them in such proportions as he may,
deem fair and just.
In the absence of any surviving spouse, the Chief Executive
Officer may make payment to his childs or childrens
guardian for the use on the childs or childrens behalf, on
A members contribution with the Fund are not part of a
Members estate.
As explained earlier, the statutory contributions credited to a
members account in the Swaziland National Provident Fund
are vested in the Board and consequently the contributions
or the benefit represented by such contributions do not
form part of the estate of a deceased member. Thus the
moneys of the deceased will not necessarily be distributed
to persons entitled to the deceaseds estate under
customary law, but will be paid to any persons nominated

12

by the member.
In the absence of any nominations, the Swaziland National
Provident Fund Order lays down the procedure which the
Chief Executive Officer of the Fund must follow in dealing
with the administration of such a benefit.
Nomination Forms
Nomination forms may be obtained from the Funds offices
and should be completed and returned to the Chief
Executive Officer of the Fund for safe keeping. Under no
circumstances should a duly completed nomination form be
kept by the member or his employer. Such an act renders
the nomination invalid.
Payment of Benefits
Benefits payments are made through electronic funds transfer
system (EFT). The EFT allows the members
benefit to be paid direct into the members bank account.
For an EFT payment to be made, the member needs to
submit his/her bank statement at the lodgement of his or
her claim.

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Lodgement of claims
Claims for a benefit may be lodged with any of the Funds
offices listed hereunder;
OFFICE
DAY AND TIME
TEL. NO
Piggs Peak
Mondays - Thursdays
8.00 a.m. 4.45 p.m.
Friday
8.00 a.m. 4.30pm
2437 1149
Mbabane
Mondays - Thursdays
Dlanubeka house 8.00 a.m. 4.45 p.m.
Friday
2404 2804/
8.00 a.m. 4.30pm
2404 5736
Manzini
Mondays - Thursdays
Headquarters 8.00 a.m. 4.45 p.m.
Friday
8.00 a.m. 4.30pm
2508 2000
Mankayane
Mondays only
(D.C Offices)
9.00 a.m. 3.30pm
2538 8282
Nhlangano
Mondays - Thursdays
8.00 a.m. 4.45 p.m.
Friday
8.00 a.m. 4.30pm
2508 2000
Siteki
Mondays - Thursdays
8.00 a.m. 4.45 p.m.
Friday
8.00 a.m. 4.30pm
23434386
Simunye
Wednesdays and Thursday
9.00 a.m. 3.30pm
23838984
Big Bend
Tuesday
9.00 a.m. 3.30pm
Fridays
9.00 a.m. 3.30pm
2363 6415
Matsapha
Mondays Thursdays
8.00 a.m. 4.45 p.m.
Friday
2518 7104/
8.00 a.m. 4.30pm
25186061

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Swaziland
Swaziland National
National Provident
Provident Fund
Fund

Information for Members

Your Future, Your Life

Swaziland
Swaziland National
National Provident
Provident Fund
Fund

Imininingwane Lecondzene
Nemalunnga Nge Sikhwama
Sesive Lidlelantfongeni

Your Future, Your Life

LIDLELANTFONGENI
SWAZILAND NATIONAL PROVIDENT FUND
IMINININGWANE LECONDZENE
NEMALUNGA NGE SIKHWAMA SESIVE
LIDLELANTFONGENI
Sikhwama seSive Lidlelantfongeni sisimiso sekugcina imali,
Ngenhloso yekutsi bantfu labasebentako batotfola lusito uma
sebayekelakusebenta ngenca yebudzala noma kukhubateka.
Umcashi nguye lekufanele kutsi abhadale lemali lebekwe
ngumtsetfo kutsi ikhiswhe mayelana naleso naleso
sisebenti lesifanele sibe lilunga lalesiKhwama, kodvwa-ke
Umcashi unikiwe emandla ekutsi atsatse incenye yalemali
emholweni wesisebenti, kwamanje lencenye inguhhamfu
wemali lebekwe kutsi ikhishwe ngekusho kwemtsetfo.
Lesikhwama siphetfwe liBandla lelibekwa yiNdvuna yeliTiko
leTisebenti neNhlalakahle ngaphansi kwemtsetfo lekutsiwa
yi Swaziland National Provident Fund Order, 1974.
Emalunga eliBandla lelengamele lesiKhwama seSive,
Lidlelantfongeni eme kanje:
Mabhalane lomkhulu etiko leTisebenti neNhlalakahle
Lomele litko leTasekhaya
Mabhalane lomkhulu etiko leteMafa
Khomishane weTisebenti
Emalunga lamatsatfu lamele tinhlangano tebachashi
Emalunga lamatsatfu lamele tinhlangano tetisebenti
Emalunga lamabili lamele iSwazi National Council
Lowengamele Sikhwama seLidlelantfongeni lobuye
abengumabhalane walo lelibandla

15
1

Ekubekeni lamalunga lamelele bacashi netisebenti

kuleliBandla lelengamele Lidlelantfongeni, iNdvuna
yeliTiko leTisebenti neNhlalakahle ibonisana netinhlangano
tebachashi kanye netetisebenti, Ngalendlela kuyaye
kwetsenjwe kutsi emabito lavela kuto-ke letinhlangano kuba
ngulawo ebantfu labakhetfwe tinhlangano letingemalunga
aletinhlangano lesesikhulume ngato.
Kute kube neliciniso lekutsi bacashi kanye netisebenti bayati
ngemsebenti weliBandla lelengamele Lidlelantfongeni,
kubhekeke kutsi labo labamelele letinhlangotsi letimbili
kuleliBandla lelengamele LesiKhwama batsintsane
nemalunga etinhlangano tabo ngetikhatsi letitsite
letilungiswe nguleyo naleyo Nhlangano.
BACASHI LEKUFANELE BAKHIPHE LEMALI
Bonkhe bacashi kufanele babhalise kulesiKhwama
ngaphansi kwemtsetfo wa 1975 wekubhalisa kwebacashi
lekufanele bakhiphele tisebenti tabo lemali.
Bacashi labacashe tisebenti tasemakhaya abo, kwanyalo
kusengakadzingeki kutsi babhalise
kulesiKhwama
ngekwemtstfo. Noko lomtsetfo awumvimbeli umcashi
wesisebenti
sasekhaya
kutsi
atibhalisele
yena
ngekutsandza kwakhe bese uyasibhadalela lesisebenti
sakhe. Inhlangano yetenkholo, liSontfo, iMishini ingafaka
sicelo kaLidlelantfongeni sekubhalisa ibhalisele kutsi
ifuna kubhadalela umFundisi noma baFundisi balo noma
angesiso sisebenti lesichashiwe ngekwetsetfo.
Bacashi lababhalisile banikwa libhukwana lekutsiwa yi
Employers Guide to the National Provident Fund, lelibanika
lwati

2
16

loluphelele mayelana nekusebenta kwalesiKhwama, kanyeke nemininingwane yekutsi timali titabobutfwa kanjani
nekutsi titfunyelwe kanjani kaLidlelantfongeni.
LEKUFUTE
BABE
NGEMALUNGA
NALABO
LEKUNGAFANELI BABE NGEMALUNGA
Wonkhe umuntfu losebentako loliSwati, (kute lapho kucala
khona umnyaka webudzala nalapho ugcina khona), locashwe
noma kungasiphi sivumelwano, lesibhaliwe noma lesentiwe
ngemlomo, ngumcashi lobhalisile kaLidlelantfongeni
kufanele abelilunga lalesiKhwama. ngaphandle kube
ngulosebenta kulabacashi lotsi umtsetfo weLidlelantfongeni
abakabhekeki kutsi babhalisele kubhadalela tisebenti tabo
KulesiKhwama. Uma umuntfu asebenta kumcashi walapha
kaNgwane abese uyamtsatsa ayosebentela ngaphandle
kwaleli lakaNgwane, ujinge abengulofanele kubalilunga
lalesiKhwama, yingci-nje uma aliSwati.
TISEBENTI LETINGAKAFUTI KUBA-NGEMALUNGA
Kukhona tisebenti lekutsi noma bacashi bafute babhalise
kulesiKhwama kodvwa tona tibe tingakafuti kutsi kubekhona
timali letifakelwa tona kulesiKhwama.
Letisebenti letinjalo ngunati:
(a) bantfu labangesiwo emaSwati;
(b) bantfu labasebentela Hulumende, babe bangemalunga
esikhwama semhlala phasi setisebenti taHulumende
iPublic Service Pension Fund (PSPF) ;
(c) tisebenti letinkhulu tase Unirversity yaseSwatini
letingemalunga esikhwama lesitsiwa yiFederation
Superannuation Scheme yema University;
(d) bantfu labafundza eUniversity, noma esikolweni
lesikhulu, noma sekufundzela imisebenti, labatfola

17
3

umsebenti ngesikhatsi basemaholideyini;

(e) bafundzi lasebacedzile etikolweni labatfola umsebenti
wesikhashana ngesikhatsi basamele kuya eUniversity
noma etikolweni letinkhulu tekufundzela imisebenti
(kodvwa loko kubamba lelotoho makungabi sikhatsi
lesengca iminyaka lemibili soloku asebenta
(f) tisebenti leticashwe emakhaya alabo lababasebentako;
(g) labo labacashwa sikhatsi lesifishane (fundza langentasi).
LABO LABACASHWA SIKHATSI LESIFISHANE
Umuntfu locashwe sikhatsi lesifishane ngumuntfu
locashelwe kutsi ahole ngelilanga, locashelwa kusebenta
sikhatsi lesingaphansi kwenyanga. Bantfu labanjalo
akufanele babe ngemalunga alesiKhwama.
KUBHALISELA KUBALILUNGA
Kubalulekile kutsi wonkhe umuntfu losebentako,
noma lofuna umsebenti abe nelipasi lemtselo ngoba
watiwa ngalenombolo yemtselo mayelana nako konkhe
lokucondzene naye kulesiKhwama. Lamapasi, ayatfolakala
kuwo onkhe emahhovisi ekutselisa aka Swaziland Revenue
Authority lakhona kutotonkhe tifundza telive laseSwatini.
Kunetinkhulumo noko letitsi lenombolo yelipasi itawugcina
ingasasebenti. Esikhundleni sayo kutawungena inombolo
yebuve bemuntfu (personal identity number (PIN)).
Inombolo yelilunga kulesiKhwama kuba nguletinombolo
letingemuva kwaletinombolo tekucala letisitfupha.
Tinombolo letihlanganisa sisebenti nesifundza kanye
nesikhulu sakhe nguletinombolo letine tekucala
ngekulandzelana kwato, inombolo yesihlanu kanye
neyesitfupha ihlanganisa sisebenti
kanye nendvuna

18
4

yasoUma sekusentjetiswa inombolo yebuve bemuntfu (PIN)

kutakuba ngiyo yonkhe lenombolo. lePIN yona ihlatiyeka
kanje; letinombolo letisitfupha tekucala tikhomba unyaka,
inyanga nelusuku latalwa ngalo lomnikati wayo, lena
yesikhombisa ikhomba bulili, letiletilandzelako letine
nguletehlukanisa lomnikati walePIN kulabanye bantfu, bese
kutsi lena yekugcina nguleyeluse lePIN seyiyokhe.
Ngekutfola kumcashi kutsi sisebenti singubani, emabito
aso laphelele nenombolo yaso yemtselo kanye ne PIN,
lesiKhwama sibhala emabhukwini libito lalelilunga kanye
nenombolo yalo yelipasi kanye nePIN lapho kutabofakwa
khona imali yalo. Tonkhe timali leticondzene nalo letiphuma
kubacashi bakhe ngabanye ngabanye titabofakwa ebitweni
lalo lelihambisana nenombolo yalo yelipasi kanye nePIN.
Ngako-ke kubalulekile kakhulu kutsi lipasi lemtselo
nalamanye emaphepha lacondzene naleso sisebenti
angebolekwa bangani nobe tihlobo. Kunakekela lokukhulu
kufanele kubekhona mayelana nemapasi emtselo, ngoba
uma lokukungatfolwa ngulomunye umuntfu, umnikati
walelipasi angalahlekelwa timali takhe lebetifakwa ebitweni
lakhe kulesiKhwama.
EMAPASI EMTSELO LAMABILI
Akukafaneli kutsi lilunga lalesiKhwama libe netinimbolo
temtselo letimbili. Uma lilunga linemapasi emtselo lamabili,
nomake lati kutsi kubhalisa kwalo emahhovisini ekutselisa
kwenteka emahlandla langetulu kwalinye, kufanele latise
balelohhovisi lekutselisa ngaloko kanye futsi nemcashi
walo, lekufanele kube nguye lomcashi lotjela lihhovisi
lalesiKhwama ngalendzaba khona itekwati kutsi ilungiswe
masinyane.

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5

EMAPASI EMTSELO LALAHLEKILE

Uma lilunga lalesiKhwama lilahlekelwe lipasi lalo lemtselo
nomake lamanye emaphepha lakhombisa kutsi lingubani,
kufanele latise lihhovisi letemtselo kuleyondzawo yakubo,
beseke licela lelinye lipasi letinombolo talo tifane netalelo
pasi lelilahlekile. Lokukusita kutsi noma kungenteka litfole
lomunye umsebenti lijinge lisebentise lipase lelinenombolo
yinye ingenolahleka imali yalo nayifika kulesiKhwama.
EMALUNGA LAMASHA ALESIKHWAMA
Kute umcashi loyakucasha umuntfu lekufanele abelilunga
lalesiKhwama ngaphandle kwekutsi atfole konkhe
ngalomuntfu lekutamenta kutsi akwati kugcwalisa ligama
lakhe emaphepheni lafunwa lihhovisi lalesiKhwama njalo
ngenyanga. lihhovisi alesiKhwama litelikheli lelilunga,
ngakoke, lelihhovisi lalesiKhwama linekutfola lilunga
ngelikheli laloyo lolicashile kuphela. Kubalulekile kutsi
kusuka kwalo lilunga kumcashi walo liya kulomunye
kwatiswe lelihhovisi lalesiKhwama. Njengaloku sekushiwo,
sonkhe sisebenti lesifanele kuba lilunga lalesiKhwama
kufanele sitfole inombolo yaso yemtselo letakusita
kutsi satiwe ngayo ephepheni latfunyelwa ngumcashi
kulamahhovisi waso njalo ngenyanga.
KUNTJINTJA UMSEBENTI
Lilunga lalesiKhwama lelintjintja umsebenti walo kufanele
litsatse lipasi lemtselo kulowo mcashi leselimshiya bese
lilinika lomcasi lomusha. Loku kutakwenta kutsi timali
letimayelana nalo letikhishwa tiyiswa kulesiKhwama
titofakwa kahle egameni lalo kulesiKhwama. Kufanele
kutsi litsatse nalelinye lifomu (NPF 101) lelikhombisa
imali lalifakele yona kulesiKhwama lomcashi leselimshiya

6
20

ngalowo mnyaka.
Lilunga leselifanele lelifaka sicelo lingakaphatsi lipasi lalo
lemtselo angeke lisitakale. Kungaso lesikhatsi sekufaka
sicelo semali yelilunga lapho kufanele khona kutsi lilunga
lisinikete lipasi liphindze lisatise kutsi lacalaphi kusebenta
kute kube ngesikhatsi selitocela imali yalo, khona sito kwati
kulandzela kahle timali talo lebelibanjelwa tona tifunyelwe
kulesiKhwama.
Kuyabonakala-ke kutsi nalelilunga lingasiniketi lipasi lalo
lemtselo vele kutaba khona kubambelekela lokukhulu
nasekufuneka kutsi libhadalwe timali talo. Kungako-ke
onkhe emalunga akhunjutwa kakhulu ngekutsi, njalo
naketa kaLidlelantfongeni akaphatse emapasi awo emtselo,
njengoba kuchaziwe lapha ngenhla.
TIMALI LETIKHISHWAKO
Kutsi kantsi umcashi nguye lekufanele abhadalele tisebenti
takhe imali kulesiKhwama njalo ekupheleni kwenyanga
uphindze unikiwe emandla ekutsi atsatse incenye yayo
lemali emholweni wetisebenti. Kwamanje incenye yalemali
lephuma emholweni wesisebenti inguhhamfu waleyo
lekufanele iletfwe kulesiKhwama, ngekusho kwemtsetfo.
Umtsetfo utsi umcashi akatsatse imali emholweni
wesisebenti ngaleyo nyanga futsi lecondzene naleyo nyanga
lebhadalelwako. Awuvumi umtsetfo kutsi umcashi abambe
imali yenyanga noma tinyanga lesetengca emholweni
wesisebenti. Loluhlelo lolungentansi luyakhombisa sibonelo
sekutsi imali lekhishwako ngenyanga ngekusho kwemtsetfo
yehlukaniswa kanjani emkhatsini wemcashi nesisebenti.

7
21

Lokukhombisa kutsi timali talesiKhwama tikhishwa kanjani

Umholo
Imali
Wetisebenti Lekishwa
Ngenyanga Sisebenti
E
300
400
500
600

E
15
20
25
30

c
00
00
00
00

Imali
Leyengetwa
Ngumcashi
E
15
20
25
30

C
00
00
00
00

Imali
Kulesikhwama
Ngenyanga
seyiyonkhe
E
C
30
00
40
00
50
00
60
00

INDLELA IMALI YELILUNGA LEKHULA NGAYO

Kuso sonkhe sikhatsi sekusebenta kwelilunga yonkhe
imali lekhishwako iye kulesiKhwama ifakwa egameni lalo
lilunga. Emva kwenyanga yekucala, kungena intalo
njalo ngenyanga. Lokutsi ifakwa kanganani lentalo, loko
kuncunywa nguleliBandla lelengamele lesiKhwama njalo
ngemnyaka. Ekupheleni kwemnyaka wekubalwa kwetimali,
lilunga liyatiswa kutsi imali yalo inganani kulesiKhwama
ngekutsi litfunyelelwe sitatimende salo.
KUVIKELWA KWETIMALI YEMALUNGA
Yonkhe imali yemalunga kulesiKhwama yeluswe
nguleliBandla
lelengamele
lesiKhwama,
lokusho
kwekutsi-ke timali temalunga tivikelekile ngalokuphelele,
njengekutsi-nje letimali angeke titsatfwe ngulabo lilunga
lelibakweletako. Timali temalunga tiyakukhishwa kuphela
uma lilunga seliyicela lona naselifike eminyakeni levumako
noma-ke icelwe ngulabo labayobe basele uma lona
selingasekho emhlabeni.

8
22

KUTALISWA KWETIMALI TEMALUNGA

Timali temalunga letitjalwako teluswa likomidi lelibitwa
ngekutsi liKomidi leKutjala Timali (Investment Committee).
KuleliKomidi kukhona khona maBhalane lomkhulu
welitiko leteMafa, lophindze abengumgcini sihlalo walo
nebantfu lababili labakhetfwa yiNdvuna yeliTiko leTemafa
esiveni labanelwati ngeku tjala timali kanye nalophetse
Lidlelantfongeni longumaBhalane walekomidi.
Kumcoka kutsi emalunga ati kutsi lemali lokukhuliswa
ngayo letimali tawo ichamuka kuphi. Nase kubutfwe tonkhe
timali letibanjelwa emalunga, lesiKhwama, ngekuvunyelwa
nguleKomidi lelibukene nekutaliswa kwetimali, sitalisa
ngendlela letaba nembuyiselo.
Ngekugunyatwa
ngumtsetfo
walesiKhwama,
kutsi
kungabutfwa yonkhe intalo ngemnyaka bese kuyo
lentalo kukhishwa imali yetindleko tekuchuba umsebenti
waso lesiKhwama loku faka ekhatsi kubhadala (imiholo
yetisebenti, tindleko tetimotolo temsebenti, emanti
gesi) kanye-ke nalokunye. Kuye kutsi emalini lesalakoke nasekukhishwa lena yetindleko bese Lidlelantfongeni
selibhadala intalo yelilunga ngalinye, ngesilinganiso
lesibekwa liBandla lelengamele lesiKhwama. Bese kubekwa
lenye engungwini kute kusimamiswe lesiKhwama uma
kwentaka kungabi nesivuno lesihle ekutjalweni kwalitimali.
LUSITO LOLUTFOLAKALAKO
Injongo lenkhulu yalesiKhwama kutsi lilunga libenekuphila
uma seligugile, khona lingeke lilibale kusitwa ngulabo
bemndeni walo njalo, nomake ngekutfola lusito
kuHulumende uma lilunga selingakwati kusebenta.

9
23

Kukhona kodvwa letinye tizatfu letingenta lilunga lilutfole

lusito kulesiKhwama. Imali yelusito ibhadalwa ibensigadla
nomake kancane, ngekucela kwalo lilunga nangekulandzela
umtsetfo.
LUSITO LWEKUGUGA
Lusito lolutfolakala ngenca yekuguga lubhadalwa uma
lilunga selineminyaka lengemashumi lasihlanu (50)
budzala; kodvwa-ke lungacelwa ngaphambi kwaleskhatsi
uma lilunga lisheshe latsatsa umhlalapasi (early retirement)
noma liyekele emsebentini ngekutsi seliyotisebenta lona
kantsi selifikile eminyakeni lengemashumi lamane nesihlanu
(45).
Umnyaka welilunga wekutalwa ubonwa estifiketini salo
sekutalwa. Uma lilunga libhadalwa imali ngekutsi selifikile
emashumini lasihlanu (50) eminyaka budzala libe lichubeka
nekusebenta, timali letifanele kutsi tite kulesiKhwama
kufanele umcashi achubeke atikhiphe vele. Lokwenta kutsi
iphindze ikhule imali yelilunga kulesiKhwama. Kodvwa-ke
kufanele kuphela iminyaka lemibili ngaphambi kwekutsi
liphindze lifake lesinye sicelo selusito emva kwekuba seluke
lwacelwa ngesikhatsi lilunga lifika eminyakeni lengemashumi
lasihlanu (50) lokusho kutsi lilunga seliyabokucelanjalo nje
ngemuva kweminyaka lemibili nangabe solo liyachubeka
nekusebenta.
KUNGAKWATI KUSEBENTA
Lusito lungacelwa ngumuntfu lolilunga, nobe ngabe
iminyaka yekutalwa inganani, lonenhlanhla lembi yekutsi
angakwati kutsi achubeke asebenta ngenca yekugula noma
yekuchwala nomake kukhubateka engcondvweni.

24
10

SIPHEPHELO FREE FUNERAL COVER

UMLANDVO
Lolu lusito lolungakhokhelwa lutfo lokungcwaba emalunga
eLidlelantfongeni. Lolusito sihlose kusita tihlobo telilunga
tingahlupheki ngetindleko temngcwabo naselishonile.
Tinzuzo
Lokuhle lokuletfwa nulolusito etihlotjeni telilunga
leselishonile
ngeMalangeni
latinkhulungwane
letisihlanu(5000).
Lokwengetiwe
Uma lilunga lishone ngengoti litfola lemali lephindvwe
kabili ibetinkhulungwane letilishumi teMalangeni
(E10,000.00) (kungabayingoti yemoto, noma leyenteke
emsebentini hhayi lebangwe ngilo lilunga.)
Lesikudzingako
Lilunga kumele libe naloku lokulandzelako kute likhone
kuzuza kulesikhwama sekungcwaba:
Ngelilanga lekushona kwelilunga, kumele kube liyifakile
imali yeLidlelantfongeni lokungenani tinyanga letintsatfu
letilandzelako esikhatsini lesingaba tinyanga letilishumi
natimbili kusukela ngelilanga lelishone ngalo.
Tindlela tekucela lusito kulesikhwama
Tintfo letidzingekile ngunati letilandzelako:
Sicelo kumele sifakwe kungakapheli tinyanga letisitfupha
(6) kusukelangelilanga lelishone ngalo lilunga, ngalekwaloko
lesicelo singabesisemukeleka. Letimphepha letilandzelako
kumele tiletfwe
nguloyo losihlobo semufi losebenta
lomsebenti wekumngcwaba:

12
26

Lifomu lesicelo leseligcwalisiwe.

Sitifiketi sekufa salobekalilunga.
Likhadi lebuve kanye nelipasi lakhe umufi.
Umbiko wadokotela lofakaza ngekufakwalolilunga.
Incwadzi lebuya eMphakatsi lefakaza ngekufa kwelilunga
uma lishonele ekhaya
Likhadi lebuve laloyo lofaka sicelo semali
incwadzi lephuma kumcashi wemufi leshoko kutsi
ngubane emndenini wemufi labekaasebenta naye
umngcwabo wemufi.
Uma sikhwama seLidlelantfongeni sesicele bufakazi
lobutsite, loyo lofake lesicelo kumele abuletse
kungakapheli liviki.
Kucala kwaleikhwama sekungcwaba emalunga
Lesikhwama sicale kusebenta mhlaka 10 Ingci 2011
IMALI LEYENGETIWE
Imali leyengetwako (supplementary) ingatsatfwa emholweni
welilunga ngalokuphelele noma kutsatfwe incenye yayo,
kuye ngekutsi umcashi kanye nalo bavumelane ngani.
Nase liyekela kusebenta kuloyo mcashi noma kungasiphi
sizatfu, futsi noma lineminyaka yekutalwa lenganani, imali
lebekwe ngekwengetwa kuleyo lefunwa ngumtsetfo, lilunga
Lingayicela. Uma I bhadalwa isuke seyinentalo.
Ngaphandle kwekuyekela kusebenta lemali ibhadalwa
kanye naleyo lilunga leliyitfola naseliyekela kusebenta
ngekusheshe litsatse umhlala phasi uma selifike eminyakeni
yekutalwa lengemashumi lamane nesihlanu (45) noma
selikhulile lifike emnyakeni lengemashumi lasihlanu (50).

25
11

LUSITO LWEKUHAMBA
Uma lilunga lenelisa umphatsi walesiKhwama kutsi
selitakuhamba lapha eSwatini, noma-ke selivele lihambile,
lapha eSwatini lingenayo inhloso yekubuya, lingasifaka
sicelo semali yalo kulesiKhwama noma iminyaka yalo
yekutalwa inganani.
LUSITO LWALABAFELWE
Uma lilunga lihamba emhlabeni ngaphambi kwekutsi litfole
lemali yalo, yonkhe imali lesegameni lalo iyakutfolwa
ngulabasele
bemndeni walo nomake loyo noma labo lelibakhetsile
kulomndeni walo.
KUKHETFWA KWALABO LABAYOTFOLA IMALI
YELILUNGA UMA LONA SELINGASEKHO EMHLABENI
Uma lilunga lalesiKhwama selinemali egameni lalo,
lingakhetsa loyo noma labo lelifuna kutsi batfole lemali
yalo uma lona selungaseko emhlabeni. Kuteka noma kutekwa
noma kushada
kwelilunga kutakutsatfwa ngekutsi kucedza noma ngukuphi
kukhetsa lelakwenta lingakatsatsi noma lingakendzi.
Uma lilunga selungasekho emhlabeni kantsi alikakhetsi
kabusha kusukela
mhla liteka noma litekwa noma lishada, lowengamela
lesiKhwama uyakubhadala lemali kuloyo losele longumfati
noma indvodza yalo. Uma umufi ashiye bafati, lowengamele
uyakwehlukanisa leyomali ngendlela layibona ifanele.
Uma kute umfati losele noma-ke indvodza yemufi losele,
lophetse lesiKhwama unikwe emandla ngumtsetfo,
kutsi abhadale ngekubona kwakhe labo labebondliwa
ngulelilunga ngesikhatsi lisaphila. Uma lobe kondliwa

13
27

kungumntfwana lowengamele siKhwama angayibhadala

lemali kuloyo losagadze lomntfwana khona itosentjetiswa
etidzingweni talomntfwana ngendlela lengabekwa
ngulowengamele lesiKhwama.
TIMALI LETINGENA KULESIKHWAMA ATINGENI EFENI
LELILUNGA
Njengaloku kuchaziwe phambili kutsi timali letifakwa
egameni lelilunga ngekusho kwemtsetfo walesiKhwama
seSive, tiphetfwe nguleliBandla lelengamele lesiKhwama,
Tona atikungeni efeni lelilunga leselifile. Lokusho
kutsi timali temufi angeke-nje tehlukaniselwe labo
lekungubona badlalifa lemufi ngaphansi kwemtsetfo
lovamile, titakubhadalwa kuloyo noma kulabo labatabe
bakhetsiwe ngulelilunga.
Uma kungekho lokhetsiwe umtsetfo walesiKhwama ubekile
kutsi lowengamele lesiKhwama angenta njani ngaletimali.
LIFOMU LEKUKHETSA
Emafomu lekufanele agcwaliswe uma lilunga likhetsa
kutsi imali yalo iyakutsatfwa ngubani nobe bobani uma
lona selihambile emhlabeni ayatfolakala emahhovisini
eLidlelantfongeni,
kufanele agcwaliswe bese abuyiselwa kulowengamele
lesiKhwama masinyane uma umuntfu asalilunga. A
kasemukeleki uma lifika lelilungs engaseko emhlabeni
EMAFOMU LEKUFANELE AGCWALISWE UMA KUCELWA
LUSITO
Emafomu lekufanele agcwaliswe uma umuntfu asacele
lusito anyatfolakala emahhovisini alesiKhwama etifundzeni.

28
14

Ticelo lusito temalunga lubhadalwa lemali ivele icondziswe

ebhukwini lelilunga ebhange. Emalunga kufanele aphatse
titatamende tasebhange uma atofaka sicelo sawo.
EMAHHOVISI
ELIDLELANTFONGENI
LASESIGODZINI

EMALANGA
NESIKHATSI
SEKUSEBENTA

Piggs Peak

ngeMsombuluko - ngaLeSine
8.00 ekuseni 4.45 ntsambama
NgaLeSihlanu
8.00 ekuseni 4.30 ntsambama
ngeMsombuluko - ngaLeSine
8.00 ekuseni 4.45 ntsambama
NgaLeSihlanu
8.00 ekuseni 4.30 ntsambama
ngeMsombuluko - ngaLeSine
8.00 ekuseni 4.45 p.m.
NgaLeSihlanu
8.00 ekuseni 4.30 ntsambama
NgeMsombuluko kuphela
9.00 ekuseni 3.30 ntsambama
ngeMsombuluko - ngaLeSine
8.00 ekuseni 4.45 ntsambama
NgaLeSihlanu
8.00 ekuseni 4.30 ntsambama
ngeMsombuluko - ngaLeSine
8.00 ekuseni 4.45 ntsambama
NgaLeSihlanu
8.00 ekuseni 4.30 ntsambama
NgaLeSitsatfu nangaLesine
9.00 ekuseni 3.30ntsambama
NgaLesibili
9.00 ekuseni 3.30 ntsambama
NgaLeSihlanu
9.00 ekuseni 3.30 ntsambama
ngeMsombuluko - ngaLeSine
8.00 ekuseni 4.45 ntsambama
NgaLeSihlanu
8.00 ekuseni 4.30 ntsambama

Mbabane
Dlanubeka house

Manzini
Headquarters

Mankayane
(D.C Offices)
Nhlangano

Siteki

Simunye
Big Bend

Matsapha

29
15

LUCINGO

2437 1149

2404 2804/
2404 5736

2508 2000
2538 8282

2508 2000

23434386
23838984

2363 6415

2518 7104/
25186061

Swaziland
Swaziland National
National Provident
Provident Fund
Fund

Imininingwane Lecondzene
Nemalunnga Nge Sikhwama
Sesive Lidlelantfongeni

Your Future, Your Life