The Cabinet has approved new regulations easing access to benefits under the Ejo Heza long-term savings scheme, including reducing the minimum savings required to qualify for a monthly pension from Rwf4 million to Rwf2 million.
The decision was taken during a Cabinet meeting held on Wednesday, January 28, 2026, chaired by President Paul Kagame.
Under the newly approved ministerial order, Ejo Heza members will now be able to access part of their savings before the retirement age of 55, a move aimed at increasing flexibility while preserving long-term income security.
The revised framework allows members to withdraw up to 30 per cent of their accumulated savings at any time in case of need, while the remaining 70 per cent continues to earn interest until retirement.
For members aged 55 and above, the reforms significantly lower the barrier to receiving monthly pension payments, with eligibility now set at Rwf2 million in savings, compared to the previous Rwf4 million requirement.
The new rules also provide that members who qualify for another statutory pension may withdraw up to 100 per cent of their Ejo Heza savings, including accrued interest.
In addition, members are permitted to withdraw more than 25 per cent of their savings and interest, provided the remaining balance is sufficient to guarantee a monthly pension.
Launched in 2017, Ejo Heza is a government-led programme designed to extend pension coverage to all Rwandans, particularly those outside formal employment. The reforms come amid growing participation in the scheme.
According to the Rwanda Social Security Board (RSSB), by August 2025 more than 4.2 million Rwandans had enrolled in Ejo Heza, with total savings exceeding Rwf80 billion, highlighting the scheme’s expanding role in promoting long-term financial security.
