NPF Promagrofond Personal account - Official website

Briefly about NPF "Promagrofond"

NPF "Promagrofond" is a non-profit organization of non-state pension provision and compulsory pension insurance.

In 2016, NPF Promagrofond was merged with NPF Gazfond, which previously also included NPF Heritage (Norilsk Nickel) and NPF Kit-Finance. All clients of Promagrofond came under the management of the Gazfond pension fund.

NPF GAZFOND received the status of the largest and most reliable pension fund. At the end of 2021, the fund’s own funds increased to 451 billion rubles, the size of pension reserves amounted to 372 billion rubles.

In January 2021, the Expert RA agency confirmed the fund's A++ rating, which means “Exceptionally high (highest) level of reliability.”

The reorganization does not require the re-conclusion of contracts on compulsory pension insurance and non-state pension provision.

Clients of NPF Promagrofond have the opportunity to use their personal account at their previous address, using their existing login and password. No re-registration required.

General information about Promagrofund

The NPF Promagrofond under consideration has been operating on the market for about 20 years.

During its activities, this organization was able to achieve high results, for example:

• Currently, the NPF has about two million clients;
• on reserve funds – 714 million;
• accumulation of pension value – 53 billion rubles.

The company has 56 billion worth of property and has 70 offices in the country. All crises by this organization were endured without consequences for citizens who invested in the fund, while the level of the organization’s rating was maintained.

Functionality of the Promagrofond personal account

In the “Personal Account”, NPF clients have the opportunity to track transactions on their pension accounts opened with the Fund.

The service is designed for the convenience of users so that all actions performed are intuitive.

The service allows you to:

1. Use a simple interface with tooltips when performing various actions and operations.
2. Gain access to personal information and, if necessary, correct it.
3. View transaction history. The story is available for download in several formats.
4. Write and send electronic applications to the Foundation.
5. Create a chart of the state of pension savings.
6. Use a filter by period and type of transaction.
7. Consult the available reference book for answers to the most common questions.

Reliability rating

As of 2013, NPF Promagrofond received an A++ rating from the Expert RA agency. This indicator is the maximum; it indicates the highest quality of service and reliability of deposits. At that time, the fund occupied 9th position in the top ten non-state pension funds in Russia. A similar rating remained until 2016.

The reliability of the work of NPFs is ensured by strict control by the state. The activities of such structures are licensed, there is an indicator of the normative total contribution of the founders, as well as the placement of investment funds and pension savings reserves. The same applies to the amount and procedure for forming the insurance reserve.

Please note: pension savings funds are not subject to penalties for the Fund’s debts. Negative returns are covered by the fund.

Registration in the account

To register in your personal account, you must conclude a pension insurance agreement with the Fund and wait until it comes into force.

It should be taken into account that after the reorganization, contracts are concluded with NPF Gazfond.

Registration in the personal account of NPF "Promagrofond" occurs in remote access mode. To register, you must prepare scans of the following documents:

• passport (page 2 and 3),
• SNILS.

Scans can be replaced with photo copies. It is important that their quality is high: all symbols and photos on the passport must be clearly visible.

Registration begins with the “Registration” button on the official website. And sequentially, step by step, entering the required information:

1. SNILS number.
2. Mobile phone.
3. Email.
4. Mailing address.
5. Personal data.

The last step involves uploading scanned copies of documents as separate files.

Within 10 working days, a notification will be sent to your email and phone indicating a temporary password.

NPF profitability

From 2005 to 2012, every 1,000 rubles of savings accumulated by the NPF turned into 2,002 rubles. Over eight years, the organization’s total income reached 73.44%, the average for the year was 9.18%. In 2015, the level of profitability of Promagrofund exceeded the Pension Fund's indicator, amounting to 16.34%.

It should be noted that during the 2008 crisis, the profitability of Promagrofond did not fall below 5.26%. The official manager of the Pension Fund, VEB, had negative indicators at that time.

One of the advantages of this NPF is its transparency and openness to clients. For example, information on the distribution of investments is freely available.

According to these data, funds are invested in the following financial instruments:

• Government securities (up to 100%);
• Bonds of economic societies (up to 80%);
• Bank deposits (up to 80%);
• Shares of enterprises operating in strategic industries (up to 40%);
• Securities of Russian business entities (up to 40%);
• Municipal bonds (up to 40%);
• Mortgage documents (up to 20%).

You can get up-to-date statistics from the fund.

Authorization in your personal account

The authorization mechanism in the account includes the following steps:

1. Opening the main page of the official website of the foundation.
2. Click on the active button “Login to your personal account” in the upper right corner.
3. Enter your login and password into the provided forms. Login is your SNILS number.
4. During initial authorization, you will be asked to change the received temporary password to a permanent one.

Customer support through the Promagrofond account

Client support involves communication with fund specialists. For this purpose, a telephone number is provided on the website. In addition, Gazfond specialists answer all questions promptly on social networks: VKontakte, Odnoklassniki and Facebook. Buttons with links to Gazfond groups in the specified networks are located in the upper right part of the main page of the Promagrofond website.

NPF Promagrofond is the first of the large non-state funds in the field of pension provision. The main directions of the closed company NPF Promagrofond are: activities within the terms of the non-state pension service agreement and insurance activities within the framework of compulsory pension insurance.

On the official website it is possible to use the Fund’s services through the Promagrofond personal account.

Founded back in 1994, the Fund is one of the most reliable in the country, serves over 2 million Russian citizens and has representative offices in 70 cities of Russia. Over the entire period of its existence, even in crisis conditions, the Fund managed to conduct highly effective investment activities and make payments to its clients on time.

Personal account on the fund website

Each client of the organization in question has the right to register a personal account on the official website of the non-state pension fund "Promagrofond". If, before the merger of Promagrofond CJSC with Gazfond, a person used the capabilities of a personal account, then after that there will be no need to register on the site again.

Algorithm of actions for registration

Using a personal account brings many positive aspects for a citizen. In particular, it is possible to control accumulated funds online.

Registration is done as follows:

• make a scanned passport and SNILS, a statement regarding joining a specific program (it can be drawn up during registration;
• click on the link with the name of the fund’s website;
• reflect SNILS and telephone number, email, residential address;
• attach scanned documents.

Then the citizen receives an identifier on his phone. 10 days are allotted for this. Next, the person will be able to log into his personal account. You will need to change the temporary password and set a permanent one.

What opportunities does LC provide?

The account can be used:

• to check pension savings;
• filling out an application for copies of papers;
• change of personal information.

Also, through your personal account, you will be able to analyze your personal savings and pay the contribution online.

Rating

Now we can talk about the main components that potential investors pay attention to. The thing is that there are quite a lot of evaluation criteria. The first thing all clients look at is the rating. In Russia, special databases have been created that help to see the success of a particular NPF.

NPF Promagrofond CJSC has a good rating. It is noted that this organization is among the top 5 leaders of non-state pension funds. Most often found in positions 1-3 in lists. Some sources indicate that this company is in the top 10 best non-state pension funds in the country.

In any case, the corporation under study occupies a leading position in the All-Russian rating. Most clients notice that this phenomenon inspires trust. And that’s why many are looking at the fund. It’s not for nothing that he is among the leaders! What other nuances need to be looked at before making a final decision?

Profitability from the fund

The use of non-state pension funds is relevant not only for preserving the pension part. Many citizens decide to use the services of funds because they guarantee an increase in their income.

To transfer your savings into “safe hands”, it is important to pay attention to the profitability indicator. Due to its high impact, Promagrofond attracts a large number of citizens.

According to the administration, citizens should receive returns in the range of 15-18%. As for reality, the result turns out to be much less: 5-7%.

Such a large difference is often explained by the constantly increasing level of inflation. Similar discrepancies can be found in every non-state pension fund, since this situation occurs throughout the country and does not depend on the fund.

Analyzing the profitability rating of other funds, regardless of the discrepancies in promises, we can conclude that in Promagrofond the percentage is still an order of magnitude higher than in other organizations.

Reviews

In order for potential clients to know the real situation in the NPF, they need to leave reviews and comments in our material. Thus, an ordinary citizen will be able to soberly assess the activities of the fund indicated in the title.

Watch the video presentation of the fund:
At the end, it is worth recalling once again that the NPF preserved the savings of future retirees until 2021. At the moment, this function is performed by another non-state pension fund. Therefore, insured persons should study this material in order to be aware of the latest changes that have occurred in the Promagrofond fund.

Features of your personal account

The main advantage of the personal account of NPF Promagrofond is the ability to monitor online all financial transactions that are carried out with his pension account. At the same time, the service interface is designed in such a way that older users can easily understand its operation and quickly find the information they need. Among all the features of a personal account, we can highlight:

• access to personal data and the ability to make changes to them;
• the ability to send applications to NPF Profagrofond;
• viewing financial transactions with a filter by time and type;
• downloading transaction history and saving it on your hard drive;
• displaying balance changes in graphical form;
• access to a directory containing answers to all frequently asked questions about pensions.

The status of personal savings can be seen in the personal account of the NPF Profagrofond. This feature replaced the long-standing practice of sending letters from the Pension Fund to clients. Also, each fund participant can personally contact the institution’s branch and request information about the current balance of the pension account. You must have identification documents with you (passport, SNILS).

Profitability

We are talking about the so-called profitability of the organization. Since pension funds offer not only to preserve, but also to increase the funded part of the pension, then the return from the company is no less interesting than its sustainability. How is the company described doing in this area?

Frankly speaking, the profitability of Promagrofond is not too high. It varies from time to time and averages 3.55-4.5%. This is how much your deductions will increase over the year. To be honest, this is not the highest figure. The fund also receives somewhat negative reviews for it. Especially if you take into account the corporation's promises of a profitability of approximately 9%. Nevertheless, it will be possible to get at least some return here. And this is better than nothing at all!

Surprises

The next nuance emphasized by clients is unexpected cooperation with the corporation. Some clients accidentally find out that their pension savings are stored in Promagrofond. However, no agreements were concluded personally. Is it worth refusing to cooperate with an organization because of such surprises?

Not at all. Lawyers say that NPF Promagrofond operates absolutely legally. This phenomenon is explained by the fact that the fund enters into contracts with different employers. And then all employees of a particular company automatically become investors. It is not the Promagrofond employees who should notify about this, but the direct employer. Therefore, there is no need to be surprised by unexpected cooperation. This is not a scam, everything is legal. Moreover, this feature is found in many NPFs.