ENPF Pension Statement: How to Get It Online via eGov and the App
An ENPF statement shows how much money is in your pension account, who paid contributions and when, and how much investment income was credited. You can get it free in a few minutes — here are the ways and what to look for.
Up to date as of October 2026. Rules change — check the regulator's website before you act.
Pension savings are held by the Unified Accumulative Pension Fund, ENPF (website enpf.kz, call center 1418). Most of the assets are managed by the National Bank, and the fund is supervised by the ARDFM (Kazakhstan's financial market regulator). More on how the system works — in the article pension savings and asset managers.
Where to get a statement
| Method | What you need | What you get |
|---|---|---|
| Personal account on enpf.kz | IIN and password, or login via eGov Mobile | A full statement for any period |
| ENPF app | The same login and password | A statement and account details |
| eGov.kz / eGov Mobile | eGov login | A statement of account activity, in about 20 minutes |
| Kaspi.kz, "Digital Documents" | Kaspi app | A certificate of pension contributions (without investment income) |
| ENPF branch | ID card | A paper statement |
| The email address registered with ENPF | A statement by email |
Since 2025, ENPF no longer emails annual statements automatically — request them yourself.
How to get it in your account: step by step
- Open enpf.kz and go to your personal account. Check the address: third-party sites asking for your IIN and password are phishing.
- Log in with your IIN and password or via eGov Mobile.
- Choose the individual pension account statement and set the period, for example from January 1 to today.
- Generate the document and save the PDF.
What to look at in the statement
- Opening and closing balance — how much you have saved in total.
- Contributions — whether money arrived for every month. Gaps are a reason to ask your employer.
- Investment income — the line "accrued investment income". Don't calculate it as "balance × fund return": contributions arrive on different dates.
- Fees charged by ENPF, the National Bank and the asset management company, if you transferred part of your money to one.
- Payouts and deductions — for example, withdrawals for housing.
- Amount available for use, if the law allows it.
Pension returns: figures with dates
| Period | Return | Inflation |
|---|---|---|
| 2025 | 7.43% | — |
| 12 months to July 1, 2026 | 10.29% | 10.3% (June 2026) |
| January 1 to September 1, 2026 | 4.2% | 6.3% |
| From 1998 to January 1, 2026 (cumulative) | 1,060.17% | 941.90% |
Returns change every month. In 2026 they were pulled down by the stronger tenge: the dollar fell from 505.53 to 462.31 tenge, so foreign-currency assets lost value when converted. Past figures do not promise future results. To see how inflation eats into your money, check the glossary: what is inflation.
Since July 2023, up to 50% of mandatory savings can be transferred to a private asset management company. Their returns over the 12 months to June 1, 2026 ranged from 12.10% to 18.28%, and over short periods they were sometimes negative. This is a decision with risk, not a way to "earn more".
What you risk
- "Helpers" offering pension withdrawals for a percentage. ENPF charges no fee and no middlemen are needed. Check everything only on enpf.kz, in the app and via 1418.
- Fake account websites. Never share your password or SMS codes with anyone.
- Withdrawing "for housing" without a real purpose. You can only withdraw money above the sufficiency threshold. The rules are in the article pension savings for housing in 2026.
The pension savings calculator will help you estimate your future account balance.
Aspiro Invest — a medium-term portfolio: what to hold, when to review it, and where the protective levels are.
- A full statement is free in your enpf.kz account, the ENPF app or eGov.
- In Kaspi you only get a certificate of contributions, without investment income.
- Investment income is the "accrued investment income" line at the start and end of the period.
- Returns vary: in 2026 they temporarily lagged behind inflation.
Frequently asked questions
How do I get an ENPF statement via eGov?
Log in to eGov.kz or eGov Mobile, find the service for the ENPF contributor's account activity statement and confirm the request. The service is free and, according to media reports, takes about 20 minutes.
Can I get an ENPF statement in Kaspi?
Kaspi.kz has a certificate of pension contributions in the "Digital Documents" section. But it only covers contributions: there is no investment income in it. Get the full statement in your ENPF account or app, or in eGov.
Where is the investment income in the statement?
Look for the line "accrued investment income" — it is shown at the start and end of the period. The difference is your income for the selected period. ENPF updates it weekly.
Why are ENPF returns lower than inflation?
It happens over certain periods. For example, from January 1 to September 1, 2026, the return was 4.2% with inflation at 6.3%: the tenge strengthened, and foreign-currency assets became cheaper when converted. Over the long run since 1998, cumulative returns are higher than cumulative inflation.
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