Employee Services
Comprehensive guide to MSPS membership benefits and services
Your Financial Security is Our Priority
As an MSPS member, you're part of Sri Lanka's most trusted provident fund with over 85 years of experience in securing employee financial futures.
Secure Retirement Planning
Professional fund management ensuring your retirement security with consistent growth and government approval.
Competitive Contribution Rates
Minimum 8% employee contribution with 12% employer matching, plus voluntary additional contributions allowed.
Multiple Benefit Options
Retirement benefits, loan facilities, death benefits, and tax relief opportunities for members.
Your Contribution Breakdown
Comprehensive Member Benefits
Retirement Benefits
Lump sum payment upon retirement at 55 or completion of service with full accumulated fund balance.
- Full fund balance
- Investment returns
- Tax-free withdrawal
- Immediate payment
Loan Facilities
Borrow against your accumulated fund balance for personal needs with competitive interest rates.
- Up to 90% of balance
- Competitive rates
- Flexible repayment
- Quick approval
Death Benefits
Full accumulated balance paid to nominated beneficiaries ensuring family financial security.
- Full fund balance
- Immediate payment
- Multiple beneficiaries
- Legal protection
Annual Statements
Detailed annual statements showing contributions, fund growth, and investment performance.
- Contribution history
- Investment returns
- Fund growth
- Digital access
Tax Benefits
Tax relief on employee contributions up to specified limits as per inland revenue regulations.
- Tax deductible
- Annual relief
- Legal compliance
- Professional advice
Resignation Benefits
Proportionate benefits for voluntary resignations based on years of service and contribution history.
- Service-based calculation
- Partial withdrawal
- Transfer options
- Fair assessment
Membership Eligibility
Who Can Join MSPS?
Company Membership
Must be employed by a company that is already a member of MSPS.
Age Requirements
Between 18-50 years of age at the time of enrollment.
Employment Status
Must have completed probationary period with the employer.
Documentation
Valid National Identity Card and required documentation.
Quick Actions for Members
Member Resources
Member Handbook
Comprehensive guide covering all aspects of MSPS membership, benefits, and procedures.
- Contribution guidelines
- Benefit calculation methods
- Loan application procedures
- Tax benefit information
Financial Tools
Online calculators and tools to help you plan your financial future with MSPS.
- Contribution calculator
- Retirement benefit estimator
- Loan eligibility checker
- Tax savings calculator