npfsberbanka
NPF Sberbank (SberNPF) is a Russian non-state pension fund, founded in 1995 and wholly owned by Sberbank, serving ~12 million individual clients with mandatory pension insurance, non-state pension provision, and the 2024-vintage Long-Term Savings Program distributed through the Sberbank branch and app ecosystem.
- Company typePrivate
- Founded1995
- HeadquartersMoscow, Russia
- Headcount251–500
- GTM typeB2C
- OfferingServices
What npfsberbanka does
SberNPF (НПФ Сбербанка) is a Russian non-state pension fund founded in 1995 and operating since 2009 under Central Bank of Russia License No. 41/2. The fund is a wholly-owned subsidiary of Sberbank and serves ~12 million individual clients, with 869 billion RUB in total assets as of September 2023 ranking it among the top-3 Russian NPFs by asset volume. Its operating scope spans mandatory pension insurance (ОПС), non-state pension provision (НПО) — including Individual Pension Plans (IPP Universal and 'Pension in Meters') — and since 2024 the Long-Term Savings Program (ПДС) with government co-financing of up to 36,000 RUB/year per participant.
The core technology stack is a digital pension management platform anchored by the Personal Account (Личный кабинет at lk.npfsb.ru), supporting online contract signing, contribution top-ups, statement retrieval, and tax-deduction document requests. The platform is integrated with SberBank Online (in-app top-ups via the 'Накопления' section), Gosuslugi for SSO, Sber ID for authentication, and GosKlyuch for qualified electronic digital signatures used in pension-transfer applications to the Social Fund of Russia. Investment management runs across nine asset classes — 45.45% government bonds, 31.75% corporate bonds, 11.19% equities, and the balance in other instruments — backed by an Investment Portfolio Management System.
The business model is fee-based asset management: the fund generates revenue from management fees on pension assets under management across OPS, NPO, and PDS products, supplemented by investment income credited to participant accounts. Distribution is overwhelmingly captive to the Sberbank ecosystem — branch network, mobile app, dedicated fund offices in Moscow and Sarov, and direct digital channels (website, Personal Account, Gosuslugi). Customer segments span individual retail savers, OPS transferors, corporate employers buying КПП (corporate pension programs with up to 30% tax advantages), self-employed individuals, and parents/grandparents saving on behalf of children under 24. Marketing channels include in-app advertising inside SberBank Online, content/blog on npfsberbanka.ru, email, PR, and seasonal prize-draw campaigns such as 'Мечталити' (2025).
npfsberbanka firmographics
Firmographics- Name
- npfsberbanka
- Legal name
- Акционерное общество «Негосударственный Пенсионный Фонд Сбербанка»
- Website
- https://npfsberbanka.ru
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- NPF Sberbank (SberNPF) is a Russian non-state pension fund, founded in 1995 and wholly owned by Sberbank, serving ~12 million individual clients with mandatory pension insurance, non-state pension provision, and the 2024-vintage Long-Term Savings Program distributed through the Sberbank branch and app ecosystem.
- Ownership category
- akta.pro rank
npfsberbanka industry classification
Industry- Product category
- Non-State Pension Fund Services
- NAICS
- Pension Funds (525110)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)
- akta.pro secondary industries
- Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)
Keywords
Where npfsberbanka is headquartered
LocationHeadquarters
- HQ city
- Moscow
- HQ country
- Russia
- HQ region
- Europe
Offices2 records
Markets served
npfsberbanka business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Pension Asset Management Fees: Earns fees from managing pension assets (OPС, NPO, PDS) through investment returns. Assets under management generate investment income which is credited to participant accounts annually. Fund charges management fees deducted from returns.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | PDS Program: Minimum first contribution 2,000 RUB, subsequent from 1,000 RUB |
| Unit Pricing | Pay-as-you-go | IPP 'Pension in Meters': First contribution from 50,000 RUB, subsequent from 1,000 RUB |
| Unit Pricing | Pay-as-you-go | IPP Universal: Variable contribution amounts |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
npfsberbanka product offering
Product offeringCore offering
НПФ Сбербанка is a Russian non-state pension fund that manages pension savings for individuals and corporate clients through Mandatory Pension Insurance (OPS), the Long-Term Savings Program (PDS) with government co-financing, and Individual Pension Plans (IPP). The fund invests accumulated contributions across government bonds, corporate bonds, equities, and other instruments, paying out retirement benefits while providing Deposit Insurance Agency protection up to 2.8 million RUB. Services are distributed through Sberbank's branch network, SberBank Online, dedicated fund offices, and an online self-service portal.
Product overview
НПФ Сбербанка — негосударственный пенсионный фонд, предлагающий три основных направления: (1) Программа долгосрочных сбережений (ПДС) — ядро продуктового портфеля с господдержкой и страхованием АСВ; (2) Обязательное пенсионное страхование (ОПС) — договоры по формированию накопительной пенсии; (3) Индивидуальные пенсионные планы (ИПП) — персонализированные накопительные продукты, включая «Пенсия в метрах» (стратегия недвижимости) и «Универсальный». Дополнительно предоставляются корпоративные пенсионные программы для работодателей. Все продукты сопровождаются личным кабинетом (для ФЛ и ЮЛ) с полным циклом обслуживания онлайн.
Differentiator
Problem solved
Functional benefit
Products and services
- Long-Term Savings Program (PDS) / Программа долгосрочных сбережений The core retail product of the fund, enabling individuals to form long-term savings with government co-financing up to 36,000 RUB per year and Deposit Insurance Agency protection up to 2.8 million RUB. First contribution from 2,000 RUB, subsequent contributions from 1,000 RUB.
- Mandatory Pension Insurance (OPS) / Обязательное пенсионное страхование A contract between an insured individual and the fund to form a funded pension, covering mandatory employer contributions (2002-2013 employment period), personal contributions, government co-financing, and maternity capital.
- Transfer OPS to PDS / Перевод ОПС в ПДС Service enabling citizens to transfer their funded pension (OPS) accumulations into the Long-Term Savings Program (PDS), selecting a payout period, obtaining early payouts for medical treatment, and protecting income via Deposit Insurance Agency coverage.
- PDS for Children and Grandchildren (up to age 24) / ПДС для детей и внуков PDS program opened in favour of a third party (child, grandchild, or close relative under age 24), creating a financial foundation for the beneficiary's future with tax benefits on contributions made on behalf of minors.
- IPP Pension in Meters / ИПП «Пенсия в метрах» Individual Pension Plan with a real estate investment strategy allowing savers to earn returns on real estate investments and direct income toward building future pension benefits. First contribution from 50,000 RUB, subsequent from 1,000 RUB, stated average annual yield of 7%.
- IPP Universal / ИПП «Универсальный» Individual Pension Plan for self-directed accumulation toward retirement through regular contributions and investment income crediting. Non-state pension is paid 5 years earlier than the state pension (age 55 for women, 60 for men). Tax deduction up to 19,500 RUB per year available.
- Corporate Pension Programs (KPP) / Корпоративные пенсионные программы Corporate pension programs for employers offered in three variants: Classic (employer contributions), With Government Support (co-financing via PDS), and Individual Approach (customized criteria). Enables employers to optimize employee motivation costs with tax benefits up to 30%.
- Personal Account / Личный кабинет клиента Online cabinet for individuals and legal entities to top up accounts, submit applications (inheritance, personal data changes), receive statements and tax deduction documents, and track the status of requests and accruals. Supports authentication via Gosuslugi and Sber ID.
Quantifiable outcome
- Government support of up to 36,000 RUB/year, 360,000 RUB over 10 years
- +5 more outcomes
Companies that use npfsberbanka
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
npfsberbanka technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
npfsberbanka partnerships and signals
Strategic signalScale indicators10 records
Recent moves6 records
Expansion highlights5 records
npfsberbanka competitors and assessment
Company assessmentEmerging players
- НПФ Эволюция (Evolutia NPF): Smaller Russian NPF participating in the same OPS/PDS regulatory framework. Competes with SberNPF on voluntary long-term savings products and PDS government co-financing uptake.
Direct peers
- НПФ Будущее (NPF Budushchee / Future): Top-tier Russian non-state pension fund offering OPS, NPO, and individual pension plans. Directly competes with SberNPF in mandatory pension transfers and voluntary savings products.
- НПФ Открытие (Otkritie NPF): Russian NPF affiliated with the Otkritie banking group. Offers similar OPS, NPO, and IPP products, competing for the same retail and corporate customers across bank channels.
- НПФ Согласие (NPF Soglasie): Russian non-state pension fund serving retail and corporate clients with OPS, NPO, and IPP products. Overlaps with SberNPF in voluntary pension offerings and corporate employer programs.
- НПФ Алмазная Осень (Almaznaya Osen NPF): Industry-affiliated Russian NPF (linked to Alrosa). Competes in the same Russian NPF market on mandatory and voluntary pension products, with comparable corporate and retail offerings.
- НПФ ВТБ Пенсионный фонд (VTB NPF): Pension fund subsidiary of VTB Bank, another major Russian bank. Competes head-to-head with SberNPF on bank-affiliated NPF distribution, mandatory and voluntary pension products, and corporate KPP programs.
- НПФ Нефтегарант (Neftegarant): Russian NPF serving oil and gas sector employees and broader retail. Comparable to SberNPF in NPO and corporate pension products across the Russian market.
- НПФ Газфонд (Gazfond): One of the largest Russian non-state pension funds, affiliated with Gazprom. Directly competes with SberNPF in the Russian NPF market across OPS, NPO, and individual pension plans.
- НПФ Лукойл-Гарант (Lukoil-Garant): Industry-affiliated NPF of Lukoil. Operates in the same Russian NPF regulatory and competitive landscape, offering pension products to corporate clients and individuals.
Broad incumbents
- ПАО Сбербанк (Sberbank of Russia): Parent company and exclusive distribution partner of SberNPF. While not a direct NPF competitor, Sberbank's broader retail wealth, deposit, and investment products are an adjacent substitute for pension savings; included as it sits in the same customer relationship.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
npfsberbanka social profiles
Digital presencenpfsberbanka compliance and trust
Trust signalCompliance5 records
npfsberbanka financial estimates
Financial estimateRevenue estimate
Valuation estimate
npfsberbanka leadership team
Management profileNumber of profiles
Profiles3 records
npfsberbanka funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
npfsberbanka M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about npfsberbanka
What does npfsberbanka do?
НПФ Сбербанка is a Russian non-state pension fund that manages pension savings for individuals and corporate clients through Mandatory Pension Insurance (OPS), the Long-Term Savings Program (PDS) with government co-financing, and Individual Pension Plans (IPP). The fund invests accumulated contributions across government bonds, corporate bonds, equities, and other instruments, paying out retirement benefits while providing Deposit Insurance Agency protection up to 2.8 million RUB. Services are distributed through Sberbank's branch network, SberBank Online, dedicated fund offices, and an online self-service portal.
Is npfsberbanka a public or private company?
npfsberbanka is a private company. It is classified as corporate owned and is currently operating.
When was npfsberbanka founded?
npfsberbanka was founded in 1995. It employs 251 to 500 people.
Where is npfsberbanka based?
npfsberbanka is headquartered in Moscow, Russia, in the Europe region.
How does npfsberbanka make money?
One revenue line is on record: pension Asset Management Fees.
Who are npfsberbanka's main competitors?
НПФ Эволюция (Evolutia NPF) is listed as an emerging player. Direct peers are НПФ Будущее (NPF Budushchee / Future), НПФ Открытие (Otkritie NPF), НПФ Согласие (NPF Soglasie), НПФ Алмазная Осень (Almaznaya Osen NPF), НПФ ВТБ Пенсионный фонд (VTB NPF), НПФ Нефтегарант (Neftegarant), НПФ Газфонд (Gazfond) and НПФ Лукойл-Гарант (Lukoil-Garant). ПАО Сбербанк (Sberbank of Russia) is listed as a broad incumbent.
Does npfsberbanka have an API?
No public API is recorded for npfsberbanka.
What industry is npfsberbanka in?
npfsberbanka's product category is Non-State Pension Fund Services. Its primary akta.pro industry code is FSAAAGAB, Pension Master Trusts, Superannuation & Provident Funds, with a secondary code of FSAAAAAJ, Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail). Its NAICS code is 525110 and its SIC code is 6282.