All districts across Rwanda exceeded their targets in the Ejo Heza long-term savings scheme during the 2025/26 fiscal year, mobilising more than RWF 14.5 billion against a national target of RWF 12.7 billion.
According to the annual report, a total of RWF 14,552,481,707 was collected, representing 113.7% of the overall target set for districts nationwide.
Ejo Heza is a voluntary long-term savings scheme established by the Government of Rwanda in 2017 under the Ministry of Finance and Economic Planning and rolled out in 2019. It is designed to help citizens build retirement savings through structured, long-term contributions.
Gicumbi District emerged as the top performer, achieving 142.6% of its target after mobilising RWF 718.7 million against a planned RWF 504.1 million. It was followed by Nyarugenge at 128%, which collected RWF 553.1 million against RWF 432 million, and Nyamagabe at 125.8%, which raised RWF 467.4 million compared to a target of RWF 369.1 million.
Other strong performers included Kicukiro, Rulindo, Muhanga, Musanze, Gasabo, Karongi, and Kayonza, with all Kigali City districts featuring among the top ten.
At the lower end of the ranking were Bugesera, Ruhango, Gakenke, Rutsiro, Nyanza, Nyagatare, Kirehe, Burera, and Ngoma. Even so, all districts surpassed their targets, with Ngoma recording the lowest performance at 105.1%.
The report also highlights growing participation, with more than four million Rwandans now enrolled in the scheme. Total accumulated savings have reached RWF 80 billion since its inception.
Recent reforms have introduced greater flexibility for members, allowing withdrawals of up to 30% of savings when needed, while the remaining 70% continues to earn returns until retirement. The eligibility threshold for monthly pension benefits has also been reduced from RWF 4 million to RWF 2 million. In addition, members may withdraw up to 25% of their total savings and investment returns, with the remainder paid out as monthly pension income.
Ejo Heza continues to be positioned as a key pillar of Rwanda’s long-term social protection system, aimed at strengthening financial security and promoting a culture of savings.
