Your retirement, on your terms.

Join a regulated provident fund built for people saving independently for retirement. Apply online in about ten minutes — no paperwork, no branch visits.

Start application How it works

Guided online application: ≈ 5 min; Guided online application
Short and to the point: 4 steps; Short and to the point
To finish at your own pace: 30 days; To finish at your own pace

Why apply online?

KIPF Smart Enroll replaces the manual PDF application form with a faster, safer way to join the fund.

Apply in minutes

A guided, step-by-step form that takes about ten minutes. Clear questions, instant validation — no printing, no scanning, no branch visits.

Save & continue anytime

Pause at any step and pick up exactly where you left off with your private resume link. Your progress is saved automatically as you go.

Secure by design

Your details and ID document are encrypted in transit and stored privately. Only the Kenbright pension team can access your application.

The paper form, perfected

Everything the official KIPF application form asks for — validated as you type, so your application arrives complete the first time.

Who can join?

KIPF is an individual provident fund — you don't need an employer scheme to save for retirement. It's open to any Kenyan resident aged 18 or over, whether you're building your first pension or adding to one you already have.

All you need to apply: a national ID or passport number and about five minutes.

Self-employed professionals and business owners
Employees without a workplace scheme — or topping one up
Gig, informal-sector and contract workers
Anyone consolidating personal retirement savings

How it works

Three steps between you and a registered retirement savings account.

Fill in your details
Four short steps: who you are, your employment and contributions, how you'll fund your savings, and your chosen fund manager.
Submit and pay your first contribution
Review everything, submit, and contribute via the scheme's M-PESA Paybill or bank account.
Complete your member profile
Create your member account to add your KRA PIN and ID copy, then nominate your beneficiaries.

Who looks after your money

The scheme is run by independent, regulated parties — each with a distinct duty to you as a member.

Administrator

Kenbright Insurance Brokers Limited

Corporate Trustee

ICEA LION

Custodian

ABSA

Contribute via M-PESA

Paybill To be confirmed · Account: Your ID/Passport number

Contribute via bank transfer

ABSA Bank Kenya · Kenbright Individual Provident Fund · A/C To be confirmed

A regulated scheme you can verify

Your retirement savings deserve more than promises. Here's what stands behind every application.

Registered with the RBA

The scheme is registered with the Retirement Benefits Authority and governed by its Trust Deed and Rules.

Your data is protected

Details are encrypted in transit and at rest, and handled under the Data Protection Act, 2019. Only the Kenbright pension team can access your application.

Professionally administered

Administered by Kenbright Insurance Brokers Limited, the scheme's official administrator as per RBA records, with ICEA LION as Corporate Trustee and ABSA as Custodian.

The same legal form, online

Your submission carries the same declarations and authorizations as the official KIPF application form.

Read our Confidentiality & Data Protection statement and Terms of Service.

Start your application today — finish on your phone in about ten minutes

Begin now, save your progress, and come back whenever it suits you. Your private resume link keeps everything exactly where you left it.

Start application

No account needed · Free to apply