Are you searching for the PENCOM salary per month in Nigeria 2025? You’re not alone. Thousands of graduates, job seekers, and professionals interested in federal government jobs want to know how much the National Pension Commission (PENCOM) pays its staff especially freshers just starting their careers.
Whether you’re an SSCE holder, OND/NCE graduate, HND holder, or BSc degree holder, this detailed guide breaks down the PENCOM salary structure, monthly earnings, allowances, ranks, and recruitment requirements in Nigeria.
Let’s dive into the full analysis of PENCOM salary per month in Nigeria 2025, including all the relevant questions you may have.
What Is PENCOM and What Do They Do?
The National Pension Commission (PENCOM) is a federal government agency established to regulate, supervise, and ensure the effective administration of pension matters in Nigeria. It was established under the Pension Reform Act of 2004 and operates under the Federal Ministry of Finance.
PENCOM ensures that all workers in the public and private sectors have access to a safe and regulated retirement savings system. Due to the strategic nature of its operations, the PENCOM salary per month in Nigeria is highly competitive, with attractive allowances and job security.
Is PENCOM a Federal Government Job?
Yes. PENCOM is a federal government parastatal, and its staff members enjoy all the benefits that come with working in a federal institution. These include a stable monthly salary, pension contributions, housing allowance, medical benefits, leave bonuses, and a clear promotion structure.
The salary and allowance structure at PENCOM is different from ministries and lower agencies because it’s a self-funded regulatory body.
PENCOM Salary Per Month in Nigeria 2025 by Qualification
Below is the detailed breakdown of PENCOM salaries per month in Nigeria in 2025, based on the qualification levels most commonly recruited into the organization.
1. PENCOM Salary for SSCE Holders in 2025
Although PENCOM rarely recruits SSCE holders, there are limited roles for junior assistants and office support workers. These include messengers, cleaners, dispatch riders, and clerical support staff.
Entry Role: Office Assistant / Cleaner
Grade Level: GL 03 – GL 04
Basic Monthly Salary: ₦40,000 – ₦55,000
Allowances: ₦20,000 – ₦30,000
Estimated Total Monthly Pay: ₦60,000 – ₦85,000
Most SSCE roles are outsourced but occasionally appear during mass recruitment drives.
2. PENCOM Salary for OND/NCE Holders in 2025
OND and NCE holders are employed into roles such as record officers, admin support staff, and lower-level finance clerks. These positions require computer literacy and basic office management skills.
Entry Role: Admin Assistant / Records Clerk
Grade Level: GL 06
Basic Monthly Salary: ₦75,000 – ₦90,000
Allowances: ₦30,000 – ₦40,000
Estimated Total Monthly Pay: ₦105,000 – ₦130,000
Candidates with qualifications in business administration, accountancy, or public admin are preferred.
3. PENCOM Salary for HND Holders in 2025
HND holders are employed into technical, audit, ICT, research, and compliance roles. They often handle responsibilities that require a strong understanding of regulations and data analysis.
Entry Role: Compliance Analyst / Audit Assistant
Grade Level: GL 08
Basic Monthly Salary: ₦110,000 – ₦130,000
Allowances: ₦45,000 – ₦55,000
Estimated Total Monthly Pay: ₦155,000 – ₦185,000
HND holders in statistics, accounting, and computer science are in high demand at PENCOM.
4. PENCOM Salary for BSc/BA Degree Holders in 2025
Most full-time staff at PENCOM are degree holders with qualifications in finance, law, economics, business, or actuarial science. These individuals work in core departments such as benefits administration, regulation, ICT, legal, and corporate communications.
Entry Role: Regulatory Analyst / Finance Officer / Research Associate
Grade Level: GL 08 – GL 09
Basic Monthly Salary: ₦130,000 – ₦160,000
Allowances: ₦60,000 – ₦80,000
Estimated Total Monthly Pay: ₦190,000 – ₦240,000
BSc holders are expected to have completed NYSC and may be placed higher with relevant experience or professional certifications.
5. PENCOM Salary for Senior Officers and Directors in 2025
Staff who rise through the ranks into senior management positions enjoy much higher salaries, allowances, and benefits.
Position: Assistant Director, Deputy Director, or Department Head
Grade Level: GL 12 – GL 15 and above
Estimated Monthly Pay: ₦400,000 – ₦900,000+
Other Benefits: Duty tour allowance, official car, housing support, security escort, and project bonuses
These roles require over 10 years of experience, postgraduate qualifications, and strong performance history.
Summary Table – PENCOM Monthly Salary in Nigeria by Qualification (2025)
| Qualification | Entry Role | Grade Level | Monthly Salary (₦) |
|---|---|---|---|
| SSCE | Office Assistant | GL 03 – 04 | ₦60,000 – ₦85,000 |
| OND/NCE | Admin Clerk | GL 06 | ₦105,000 – ₦130,000 |
| HND | Analyst / Compliance Officer | GL 08 | ₦155,000 – ₦185,000 |
| BSc/BA | Research Officer | GL 08 – 09 | ₦190,000 – ₦240,000 |
| Senior Staff | Director / Manager | GL 12 – 15+ | ₦400,000 – ₦900,000+ |
PENCOM Allowances in Nigeria 2025
One major benefit of working with PENCOM is the attractive allowance structure that increases take-home pay significantly.
Key Allowances Include:
Housing Allowance: Up to ₦60,000 monthly depending on location
Transport Allowance: ₦15,000 – ₦30,000 monthly
Medical Allowance: Covers staff and dependents through HMO
Hazard Allowance: For field staff involved in compliance and inspection
Utility Allowance: ₦5,000 – ₦10,000
Leave Bonus: 10% of annual salary
Meal Subsidy: ₦5,000 – ₦8,000 monthly
Professional Certification Bonus: Paid when you acquire certifications like ICAN, CIPM, or CRM
All allowances are reviewed annually and vary based on the economic situation and internal policy changes.
PENCOM Career Growth and Promotion Structure
Promotion at PENCOM follows a clear and competitive path. Advancement is based on:
Years of service (minimum 3 years per grade)
Educational advancement (e.g., postgraduate degrees)
Professional certifications (ICAN, CIPM, etc.)
Internal performance evaluations
Vacancy and departmental needs
With dedication, a BSc holder can grow from GL 08 to GL 14 within 10–12 years.
PENCOM Training and Development Programs
PENCOM invests in the continuous training and development of its workforce. Staff are regularly sponsored for:
Compliance and Regulatory Workshops
IT and Data Analysis Training
International Conferences on Pension Reform
Leadership and Management Courses
Many staff also enjoy overseas exposure through partnerships with pension regulatory agencies in other countries.
PENCOM Recruitment Requirements in Nigeria 2025
To work with PENCOM, applicants must meet the following qualification and eligibility requirements:
For SSCE:
5 credits including English and Mathematics
Age: 18–25 years
Physically fit
Willing to undergo background checks
For OND/NCE:
Relevant diploma from a recognized polytechnic or college
Age: 18–28 years
Basic IT skills preferred
For HND/BSc:
Degree in accounting, economics, statistics, business admin, law, or ICT
NYSC discharge or exemption certificate
Minimum of Second Class Lower or Upper Credit
Age: 20–30 years
Excellent communication and analytical skills
Applicants may undergo a computer-based test (CBT), physical documentation verification, and oral interview.
Frequently Asked Questions (FAQs) – PENCOM Salary Per Month in Nigeria 2025
How much is the PENCOM salary for BSc holders in 2025?
BSc degree holders at PENCOM earn between ₦190,000 and ₦240,000 per month, depending on their job role and experience.
Does PENCOM accept SSCE holders?
Rarely. Most roles are for diploma and degree holders, but support roles like messenger or security aide may accept SSCE with basic office skills.
What is the salary for fresh graduates at PENCOM?
Fresh graduates with NYSC certification usually earn ₦190,000 to ₦200,000 monthly in their first year.
Do PENCOM staff enjoy housing allowances?
Yes. Housing allowance is a major component of the monthly pay and can be up to ₦60,000 depending on level.
Is PENCOM among the highest paying government agencies in Nigeria?
Yes. PENCOM is regarded as one of the best paying federal agencies, especially in the finance and regulatory sector.
Can I work in PENCOM without NYSC?
No. For graduate-level roles, NYSC discharge or exemption certificate is mandatory.
Final Thoughts on PENCOM Salary Per Month in Nigeria 2025
The PENCOM salary per month in Nigeria 2025 shows why many Nigerians seek career opportunities with this prestigious agency. From fresh graduates to senior directors, PENCOM provides a stable, rewarding work environment with strong career progression.
With competitive salaries, attractive allowances, regular training, and job security, working at the National Pension Commission is one of the most sought-after federal government opportunities in Nigeria today.
If you meet the requirements and are looking for a federal job that pays well and supports long-term growth, PENCOM is a solid choice.