Everything you wanted to know about your Pension Fund and pension savings

Which Pension Fund does a citizen belong to: online and offline methods

The easiest way to find your Pension Fund, or, more precisely, its management company, is a citizen’s personal appeal to the Pension Fund according to their place of registration. It should be noted that this option is most suitable in the case where you have lost the accompanying documentation.

Next, let's consider a simpler option for searching for a management company using the number in the notification . The “one window” system, operating throughout the Russian Federation, implies that the registration of an entrepreneur with the insurance fund occurs without the participation of the applicant.

That is, within no more than five days from the moment of state registration of the enterprise, the tax service independently transmits the necessary information to the Pension Fund through interdepartmental communication channels.

After the Pension Fund of Russia took over the enterprise (, you received a corresponding notification containing the number of your territorial administration. To find its address, phone number and other contact information you will need:

• personal computer or laptop;
• Internet access;
• directly the number of the territorial administration.

Next, the algorithm of your actions on how to find out the funded part of your pension according to SNILS via the Internet will be as follows:

1. go to the website of the Pension Fund of the Russian Federation - www.pfrf.ru;
2. select the region appropriate for your company;
3. click on the “Contacts and addresses” link, after which you will see a list of all existing regional branches;
4. scroll down the page to the “Find Customer Service” form, and in it about;
5. in the field called “Service Territory” you need to select the region, city, county, area and similar data of your enterprise;
6. As a result, you will receive the branch number, its physical address, telephone number, as well as an appointment schedule for policyholders.

Please note that if you already know the service of which territorial PFR company you need, you do not need to fill out the form.

In this case, you need to immediately go to the tab called “Branch Structure” and select what you are looking for.

In the Pension Fund of the Russian Federation

You need to contact the territorial office of the Pension Fund at your place of residence and submit an application.

You must have with you:

— a document that proves your identity (citizen’s passport or a document replacing it);

— SNILS (individual personal account insurance number).

Employees of the Pension Fund of the Russian Federation will check the location of your pension savings in the database and provide you with information within 10 days.

If you have a personal account on the website of the Pension Fund of the Russian Federation, then you can obtain information regarding your non-state pension fund via the Internet. You can find out all the information you are interested in in the “Personal Account of the Insured Person” section.

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SNILS is the best citizen assistant

The insurance number of an individual personal account (hereinafter referred to as SNILS) is a document that the owner of an insurance policy receives as confirmation of completion of the registration procedure in the unified state pension insurance system.

In appearance, it is a small green plastic card containing the basic data of the owner (full name, gender, date of birth), the original number consisting of 11 digits, as well as the date of registration of the subject.

Such a document is an urgent need for every person to carry out the following actions:

• keeping records of work experience and pension points for the purpose of further registration and calculation of pension payments;
• receiving various government services (hereinafter referred to as government services) in electronic form (for example, to replace a passport, make an appointment with a doctor, etc.);
• receiving benefits;
• identification of a citizen in the personal account of the Pension Fund website;
• minimizing the number of documents when receiving government services.

But is it possible to find out contributions to the pension fund using SNILS? In our case, using the SNILS number you can quite simply find out all the necessary information about your pension fund and check the amount of pension savings through the government services website. This verification of deductions according to SNILS is also available for a foreign citizen. More details on how to find out which pension fund I am a member of by SNILS number will be discussed below.

Ways to find your pension fund

If an agreement with a commercial fund is not found, you can use one of the methods to search for it yourself:

1. In the regional branch of the Pension Fund . When applying, you will need a passport and SNILS.
2. At the employer . Since the accounting department makes contributions to the pension fund for all employees, they have information about exactly where the funds go.
3. On the government services portal . The most convenient way to find out your pension fund, since you don’t need to leave your home to do this.
4. In PFR partner banks. He has several partners, so you can call them and find out your pension fund using SNILS.

Choose the most convenient and optimal option for finding your PF branch.

Through the government services portal

The easiest way to find out the name of a pension fund is remotely. Through the government services website you can see not only the name, but also the accumulated funds. But the information is available only to registered users. Therefore, if you do not yet have a personal account for public services, then first you will have to go through the registration process.

To find out the name of your NPF:

1. Log in to your personal account on the government services website.
2. Select the pensions section in the services menu.
3. Specify the account status notification service.
4. Click to receive the service.

Within a few minutes you will be sent a file with a report on the necessary data. In addition to your account status, on the government services website you can find out your length of service and the number of points earned. The report will also contain information about which NPF your funds are stored in. If you are an individual entrepreneur, you can find out information about your non-state pension fund on the tax website. For this you need a TIN.

In PF partner banks

To find out which pension fund is yours, you can contact one of the banks that cooperate with the Pension Fund of the Russian Federation.

At the moment there are four such banks:

• Gazprombank;
• Sberbank;
• Uralsib;
• VTB Bank of Moscow.

You can obtain the necessary information by contacting one of the branches of these banks in person or via e-mail if you send a request in advance. In order for employees to provide the necessary information, you will need to present your passport and SNILS.

At the employer's

You can also find out which pension fund your savings are in from your employer. The accounting department handles deductions for each insured employee. Therefore, you can contact an accountant and request information on all transfers and pension savings.

The accountant will also provide information on the pension fund where the money is stored. The search for such information is explained by the fact that some employers transferred the funded part of the pension to commercial funds and did not notify employees about this. Or they gave documents to their employees to sign, but they did not bother to pick up or save their copy of the agreement. Therefore, many employees try to find out information about non-state pension funds through their employer.

In the PF department

You can submit a request to receive information about which pension fund you are a member of by contacting the Pension Fund office in person. You must have with you:

• passport;
• insurance certificate.

In this case, you will need to draw up an application for the provision of data together with an employee of the Pension Fund. The response to the request will be sent by mail. The period for receiving data is up to 10 working days.

You will not be able to find out this information over the phone or submit a request for it. If you want to save time, you can submit a request on the official website of the Pension Fund. If you do not have a personal account, then register and log in. The service of submitting a request remotely is available in your personal account.

What are pension contributions and why are they needed?

Pension Fund contributions are insurance-type contributions that every employer is required to give to state/non-state specific funds. At the moment, such contributions are made at a set rate, which is 22% of the total wage fund of employees.

Six percent of the total 22 percent can be used to create pension savings , and the remaining 16 percent can be used to create an insurance-type pension. By independent choice of a citizen, all 22% can go to organize the latter.

Transfer of such contributions by employers in the period 2012–2013. was carried out in accordance with Federal Law No. 212-FZ, dated July 24, 2009. It is in accordance with it that the object of taxation for such contributions are payments, as well as many other remunerations that were accrued by employers in favor of individuals within the boundaries of labor relations and a civil law contract.

That is, contrary to common misconception, the payer of insurance premiums is not the employee who receives wages, but the employer.

Moreover, payments of this nature will be deducted not from the employee’s salary, but from the policyholder’s own funds.

However, in 2013, this procedure for creating pension savings was legally adjusted . According to the changes made, during 2014 the future pensioner had to decide on the issue of deducting funds either for the insurance and savings parts, or exclusively for the insurance part. How to find out your pension certificate number - read here.

Contact your employer

If a person wants to find out which pension fund the contributions go to, he can contact the accounting department of the company where he works for information. Every organization has a person in charge of matters relating to insurance deductions. It deals with issues affecting the employees of the enterprise and interacts with the pension fund to which the citizen is a member. The employee is responsible for all transfers. A specialist can easily provide the information you need.

How to check pension savings according to SNILS?

If previously letters from the Pension Fund were sent to citizens annually, then due to changes in current legislation, the Pension Fund is no longer obliged to inform you in this way about the status of your personal account. From now on, there are other ways to obtain this information.

Today, a personal appeal from a citizen to the Pension Fund remains traditional. To see where the funded part of the pension is and where the contributions go, your actions are in the following order:

1. take your passport and SNILS with you;
2. contact your PF management company to make an appointment;
3. wait your turn and, upon presentation of the above documents, receive a statement of your personal account directly on the spot or in the form of a registered letter.

There is also another way to order an extract from the Unified State Register of Legal Entities by contacting the federal tax service, but be prepared for the fact that such a procedure will take up to 5 business days and will require a special request with stamps, signatures and your personal data in the manner prescribed by current law.

In other words, copies of all necessary documents must be properly certified, and the application itself must be correctly filled out.

The most convenient way today is to find out the amount of accumulated pension funds through the Unified Portal of Public Services online. The simplicity and efficiency of this procedure will pleasantly surprise each of you, since the request is processed in a time interval from several seconds to two minutes, and you can make such a request to the portal even late at night.

Below we will consider a detailed algorithm for this procedure, taking into account the moment of registration. You need:

1. go to the portal via the link www.gosuslugi.ru and then go to https://esia.gosuslugi.ru/registration/ to register;
2. choose a method that is convenient for you to confirm your identity (a special activation code can be received either in person at Rostelecom offices or by mail, but in the latter case this may take a long time [up to 30 calendar days]);
3. fill out the proposed form, indicating your personal data and the contacts necessary for communication;
4. after receiving the above code, activate your account by pressing the appropriate button;
5. Log in to your personal account (hereinafter referred to as “PA”) and find the tab called “Electronic Services”;
6. in the unfolded page, find the Pension Fund of the Russian Federation (right column, 2nd position from the top), select it;
7. in the list that appears, select and click on the tab called “Informing insured persons about the status of their individual personal accounts in the unified system of compulsory pension insurance”;
8. on the newly opened page, click on the blue button called “Get a service” (located at the bottom); in 2 minutes you will be provided with all the information you are looking for.

In the future, or if you have been registered on this site for a long time, you will only need to log into your personal account, indicating your SNILS number and password in the appropriate form for authorization.

Please note that both in the case of a personal appeal to the Pension Fund and in the case of generating a request on the portal This service is provided to you absolutely free of charge! How to change SNILS through Gosuslugi - read here.

Check conditions

The question of how to find out which Pension Fund I belong to interests many Russian citizens today.

Since 2013, all Russians have had the opportunity to control their pension savings. However, to do this you need to know which Pension Fund the consumer is a member of.

You can find out the required information in several ways:

• at the Pension Fund branch closest to your place of residence using the SNILS certificate number;
• on the State Services portal;
• at the place of employment;
• in banks - employees of the Pension Fund of Russia.

Let's look at each of these options in more detail.

According to SNILS

The first way to find out which pension fund you are in is traditional. The verification consists of visiting the nearest Pension Fund branch in order to obtain the necessary information.

• In the territorial representative office at your place of residence, you need to find an employee who is responsible for the pension savings of citizens.
• The consumer must have a Russian passport and a SNILS certificate with him.
• Next, a statement is written indicating the data of the individual, which is given to the responsible employee of the Pension Fund.
• The client receives a response to his request within a few days by mail (the residential address is indicated when writing the application).

Via the Internet (public service portal)

The easiest and simplest way to find out which pension fund the tax payer is attached to is to go to the government services portal (gosuslugi.ru). The easiest way to do this is for a user who has previously registered on the resource. An unregistered client must first complete a simple account activation procedure. After this you need to follow these instructions:

1. Log in to your personal account using your individual login and password (the required option is in the upper right corner).
2. In your office menu, click on the “Check pension savings” section.
3. As soon as the required page opens, the consumer will see all the information on accruals in the Pension Fund. Information about which fund he belongs to will also be available here.

If for some reason the client is not satisfied with the PF to which he is attached, then by law he has the right to change it once a year. This can be done by submitting an application of the appropriate form no later than December 31 of the current year.

You can change the PF once a year. To do this, submit an application to the Pension Fund no later than December 31 of the current year.

In the organization where you work

If you have a question: which Non-State Pension Fund am I a member of?” contact the accounting department at your place of work. This specialist is obliged to provide the employee of his enterprise with the requested information.

In banks and Pension Fund employees

Another option to find out the necessary information is to contact a bank that cooperates with the Pension Fund. There are currently five such financial institutions. Namely:

• Sberbank
• Gazprombank
• UralSib
• Bank of Moscow
• VTB 24

The client must come to the office of the banking structure with a passport ID and SNILS certificate. Next, you will need to write an application to provide the necessary information and sign some papers. After completing these steps, the citizen will be informed of the name of the NPF unit to which he is assigned.

How to calculate your future pension: calculator, coefficients, formula

Since 2015, a new formula for calculating future pensions has come into effect, and the Pension Fund has posted a special pension calculator on its official website. According to the updated formula, pension amounts will now depend on the following factors:

• the duration of the total insurance period (consists of length of service, as well as time intervals of all socially significant life periods - maternity leave, military service, etc.);
• salary amounts for all working years in which the policyholder paid contributions;
• the age threshold at which a person applied directly for a pension appointment.

For each working year, a citizen is assigned a certain pension point. In order to qualify for an old-age pension (insurance), you will need to have 30 points in your account, but this norm will come into force in 2025. Today, 6.6 points is sufficient.

The formula for calculating insurance-type pensions currently looks like this:

Insurance pension = sum of pension points*point value in the year the pension was assigned + fixed payments

All information and coefficients necessary for calculation can be found on the PFR page at https://www.pfrf.ru/grazdanam/pensions/kak_form_bud...

In addition, you can use the services of an online calculator located at https://www.pfrf.ru/eservices/calc/. By filling out all the required fields of the form, you can calculate the expected size of your future pension. Also, the procedure for changing SNILS when changing your last name has now changed.

Search Features

Currently, if you are not sure which fund the pension savings are going to, you should do the search yourself. There are several ways to do this.

Terms and requirements

If previously the Pension Fund sent letters to the address it had, now it is necessary to provide the required documents during a personal visit or enter your personal data when using the Internet.

Video: personal account

Directly to the Pension Fund

This method is traditional and more understandable for many. You should contact the Pension Fund located at the employee’s place of registration. If your savings are in another fund, they will help you find out.

The fund's opening hours can be found on its website. When visiting in person, you must have your passport and SNISL with you.

It is possible to make your request directly on the Pension Fund website. To do this, you need to register and log into your personal account. After this, a menu will become available in which you can select the desired section.

Photo: Selecting the desired section

You must log in to the site.

Photo: Authorization

Having found the section that contains information about personal accounts, you should click on the “Order a certificate” button. By entering your email address, you can receive query results to it.

Photo: Specifying email

The answer can also be seen by going to the “Request History” section.

Photo: “History of requests”

For a certain time, the request will have the status “Under Processing”.

Photo: Status

After completing these procedures, the document can be downloaded and printed.

Through State Services

How to find out which pension fund I am a member of via the Internet - any citizen can use it. If you have not used this electronic portal before, you must register and gain access to your personal account.

Photo: Registration

Find a section on pensions on the website.

Photo: Section selection

Then you should find the section that contains information about personal savings. Here you can get all the information you need.

It should be remembered that the online portal provides information only about those savings that are in the state fund. On this portal you can also make a transition from a non-state fund to the State Pension Fund.

In the organization where you work

This method is the simplest. All contributions are made by the employer. In the accounting department of any organization there is an employee whose responsibilities include making deductions. There may be a situation where the accountant only knows the account number to which he is transferring money.

In banks

The Pension Fund has partner banks with which it has entered into service agreements. In particular, they include Sberbank, which is considered one of the most reliable. By contacting any branch of such a bank you can get the information you need.

It is important that clients of non-state funds do not have the opportunity to track the status of their affairs on the State Services portal.

He can find out which of the existing pension funds the employee belongs to by visiting the State Pension Fund in person, in his accounting department, and online on the Internet.

Ways to check the integrity of the employer’s contributions to the Pension Fund of Russia

In addition to the above methods of monitoring the status of your personal pension savings account (contacting the Pension Fund or checking account movements on the government services website), you can resort to several more options for “certifying” your employer for good faith.

First of all , you need to ask him for copies of reports to the Pension Fund . Since you have every legal right to make such a request, the employer simply cannot refuse to issue the relevant documentation.

The second way is to request a 2-NDFL certificate from the same person and make a small calculation. This certificate indicates your income for taxation (assuming it is 30,000 rubles/month) and the amount of income tax withheld. If calculated correctly, this amount will be equal to 13 percent of 30,000 rubles, i.e., it will be 3,900 rubles. And the final amount to be received will be 26,100 rubles.

If the calculation does not match reality, you should look on your pay stub for any additional deductions that are not legally justified.

After reviewing the information provided above, you can easily find simple and accessible answers to the following questions:

• how to find the governing body of the Pension Fund;
• what is the size of your pension savings;
• what is the formula to calculate your future pension.

And remember that having an insurance certificate (in the abbreviated version SNILS) is a necessary and indispensable help in resolving these issues.

How do I find out which NPF I am a member of?

You can find out the name of the non-state pension fund to which the funded part of the pension is transferred in different ways. You can even get the information you need via the Internet.

Personal appeal

Methods of obtaining information can be divided into 2 types: those in which you need to personally visit any institution, and those where everything is done via the Internet. For example, you can contact a non-state pension fund, where, as you assume, your pension savings are located . To find out which fund you are in, take your identification document with you so that the fund staff can provide you with the necessary information.

At the place of work

You can determine in which NPF your pension funds are stored in the accounting department of the company where you are employed. The accounting employee who is responsible for paying taxes will provide you with information about the organization in which you are registered.

In the bank

It is possible to obtain information about your own pension by visiting a banking organization that is a partner of the Pension Fund of the Russian Federation in the OPS.

Currently in the Russian Federation only 4 banks correspond to this description:

• Gazprombank;
• "Sberbank";
• "UralSib";
• "VTB Bank of Moscow".

To obtain the necessary information, you will need to bring an identification document with you.

To the Pension Fund

You need to visit the Pension Fund office located at your registered address and submit an application. You must take with you a Russian passport or a document that replaces it. Also take your SNILS number with you (if available). Pension Fund employees will determine from the database where your pension is stored and provide the necessary information within ten days.

Online services

You can determine which NPF you are attached to through the official PFR website. To do this, go to the Pension Fund website, log in to your personal account and submit an application through the online reception. The answer will be sent to you by email within a month.

You can also go to the website of the NPF where your pension is supposedly stored and submit an application through it. The disadvantage of this method is that you will not be able to submit applications to all NPFs, so it is easier to immediately use the PFR Internet reception.

Through government services

Currently, the most convenient method is to use the government services website. User requests for information are processed in a couple of minutes. In addition, the government services website is accessible at any time.

To find out which NPF you are a member of through the government services website, use the following algorithm:

1. Go to the government services website to create an account (if you don't already have one).
2. Choose a method of identity verification that suits you (a special activation code can be obtained both at the branch and through the postal service). If you receive a code via mail, the procedure may take up to a month.
3. Enter your personal information in the form.
4. Once you receive the activation code, enter it in the appropriate field and confirm the procedure.
5. Log in to your account, go to the “Electronic Services” section.
6. Find the item “Pension Fund of the Russian Federation”, click on it.
7. Click on the button “Informing insured persons about the status of their individual personal accounts in the unified system of compulsory pension insurance.”
8. Click on the “Get service” button. The required data will be shown to you within 2 minutes.

The service is provided completely free of charge, no state fee is required.

Using SNILS

SNILS will be useful to you if you plan to obtain information about your pension through a personal visit to the Pension Fund, Non-State Pension Fund or bank. It is presented together with an identification document.

SNILS is also needed for authorization on the website of government services and the Internet portal of the Pension Fund of Russia. In addition, using SNILS you can check the status of your individual personal account (IPA).

To do this, follow this algorithm:

1. Go to the FIU website.
2. Go to the “Citizen’s Personal Account” section.
3. Find the “Get information about generated pension rights” button in the “Formation of pension rights” subsection. Click on it.
4. Now you need to log in to the government services website. If you are already registered there, indicate your SNILS and password. You can also use your e-mail address to log in instead of SNILS. If you are not registered on the government services website, create an account on it.
5. Your work history will be shown in your personal account. You can submit a request to receive the information you need by clicking on the button “Information about experience and income reflected on the ILS.”
6. You will see information regarding periods of employment, employers, and the amount of pension savings. If you require an extract, click on the “Get information about the status of the HUD” button. The system will immediately create a doc file that can be saved and printed.
7. Another additional option is the calculation of future labor pension. Click on the “Calculate future labor pension” button to see how many pension points (PB) you have been accrued.

Some websites offer users to instantly find out their own NPF using SNILS or passport data. They require you to provide details of documents that can later be used by them for fraud.

Another type of scam is charging money for a service. The website offers you to log in by sending an SMS to a specific phone number. Of course, after this the funds will be debited from the user’s balance. You cannot use such sites.

Attention! The only websites where you can safely and freely obtain the data you need about your own pension provision are the PFR Internet portal, NPF and Gosuslugi websites.

When changing NPF, you must remember the conditions in force since 2015 for insured citizens. So, you can transfer from one NPF to another maximum once every 12 months. To maintain investment income, it is advisable to change NPFs maximum once every 5 years. This way you can get the maximum profit from investing your employers’ contributions by the NPF.

To receive a pension and transfer it to another fund, you need to enter into an agreement with the new NPF. After this, submit an application to the old fund, attaching your passport to it. You will be transferred to the new fund after March 31 of the following year.

It also happens that a non-state pension fund is liquidated. In this case, the citizens’ money stored in it is transferred to the Pension Fund of the Russian Federation within a period not exceeding 90 days from the date of the start of the liquidation process of the organization.