Keith finance non-government pension fund telephone. Review of KIT Finance NPF CJSC. Kitfinance npf annual report named ra expert among the best

For those people who think about the future and want to meet old age with dignity, Kitfinancebank works - a pension fund that provides socially significant services for the population. Dynamic development, humanity, creativity of ideas, progressiveness and ease of cooperation are the main guidelines of the company, allowing them to win the trust of future retirees:

Kitfinancebank - pension fund - indicators, programs and conditions

NPF Kit Finance invites future retirees to transfer their pension from the Pension Fund in order to increase its size in the future. This is achieved due to the high profitability and additional privileges that clients will receive using the services offered.

• Accessibility and efficiency, respect for human rights;
• Information openness;
• Ease of obtaining services;
• Fruitfulness of work;
• Friendliness and attentiveness to each client.

NPF Kit Finance offers a profitable co-financing program for pensions - all contributions are doubled, special conditions apply for pensioners. Another urgent program is receiving a non-state pension. What conditions can the private pension fund Kit Finance offer? The official site allows you to study the program for cooperation:

The website calculator allows you to clearly demonstrate the benefits of work and compare the calculation with that presented in the FIU.

Official website and personal account

At this address https://www.kitnpf.ru/ Kit finance works around the clock. Clients can find out up-to-date information, news and opportunities, and those who are just planning cooperation, study rates and conditions.

A personal account deserves special attention, it is needed to receive information about the amount of your savings, to find out whether the employer transfers contributions on time and in what volume. Controlling your future retirement is convenient and comfortable.

Reviews about NPF

How has the non-state pension fund Kit Finance established itself on the market? There are different customer reviews, many people are satisfied with everything: the clear terms of the contract, and high profitability, and the ability to choose a tariff plan.

But, according to the reviews, the main drawback of the fund is incompetent and intrusive employees who attract new clients even by fraudulent means. The company's management should definitely think about retraining personnel so as not to lose their customers.

NPF Kit Finance is a reliable and progressively developing fund that offers high profitability of pensions and favorable conditions for cooperation. The work of the company does not depend on the situation in the country, the level of inflation and other problems that negatively affect the PFR. It is no coincidence that future retirees, taking care of a comfortable and well-deserved rest, transfer their savings here - tempting offers are always attractive here.

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The future retirement worries many of us. It would be desirable not only to earn it, but also to significantly increase it. This is exactly what many non-state pension funds, including KIT Finance, promise to do. Feedback from depositors speaks of the reliability of this fund and its high yield.

A little about the fund

The largest and most successful company among non-state pension funds is KIT Finance. NPF offers its clients a range of pension services, including:

• Disposal of the funded part of pension contributions regulated by the law on compulsory pension insurance. Obligation to pay this amount when the person retires.
• Increasing the size of the pension on the terms established by the state and participation in the state co-financing program.
• Accrual of non-state savings, which will be added to the basic labor pension.
• Possibility of creating a unified corporate program for your employees and calculating an additional pension for them.

The company maintains long-term relationships with its customers, partners and employees. Provides the most reliable investment of pension savings "KIT Finance" (pension fund). A personal account allows each client to track all accruals over the years and get an idea of ​​the amount of future pension. The fund began its activity in the field of compulsory non-state pension insurance in 2007, after receiving the corresponding license.

Brokerage, banking and pension activities are carried out under the KIT Finance brand. The shareholders of the fund are investors at the head of Russian Railways, and KIT Finance Pension Administrator is the main founder and partner.

In 2014, the organization went through a corporatization process and was renamed from an NPO to a CJSC. The owner of the fund is Oleg Belay, who currently holds the post of CEO at Trinfiko Holdings.

NPF "KIT Finance": profitability

The level of profitability of a pension fund is an important indicator of a company's reliability. So, in the context of the years, the growth of pension savings of KIT Finance CJSC amounted to:

• 2008 - 10.35%;
• 2009 - 17.26%;
• 2010 - 9.98%;
• 2011 - 0.00%;
• 2012 - 6.70%;
• 2013 - 6.63%;
• 2014 - 2.06%;
• 2015 - 11.79.

For seven years of hard work, the financial activity of the fund brought its consumers a profit of 52.98%. Not all NPFs show such a result. Here, the company not only covered the inflation of pension savings, but also significantly increased the pension deposits of its clients.

State co-financing program

The state co-financing program ended on January 31, 2014. Until this date, all its participants had to join it and make an initial contribution.

If a person is not a recipient of a pension from the Pension Fund of Russia, then the contributions that clients made, ranging from 2 to 12 thousand rubles, doubled over the next ten years from the moment the first payment was made.

All military and departmental workers who have reached retirement age are recognized as full participants in this program.

The savings in the sphere of state pension co-financing are transferred to the account of the future pensioner and are invested by the insurers. In this case, income is accrued once every 12 months, depending on the amount invested in the pension.

People who already receive pension payments from the state, and those who did not apply for a pension, when making a contribution, can receive payments that have quadrupled within ten years from the time they make their first contributions to the fund.

If the pension has already been assigned and the person wrote an application for joining the co-financing program from November 5 to December 31, 2014, then contributions from the state will not increase. If the written application was submitted in the period from October 1, 2008 to October 1, 2013, then the deposits are co-financed by the state, but payments will be made at a time - once every five years.

All contributions go to individual clients' accounts with the Russian Pension Fund, which is responsible for the proper implementation of this program. In the future, the FIU redirects the funds received to a management company or a non-state pension fund. The term of this operation should not exceed three months following the reporting period in which the deductions were made by the client. You can find out about the receipt of funds in your personal account. Same way:

• The state will reimburse 13% of the amount paid by the client.
• The savings obtained as a result of actions under this program can be used both under the lifetime payment system, and under the special one, which lasts about ten years.
• All material contributions are inherited at all stages of the pension process, whether they are initial contributions or an already formed pension amount.

All contributions to NPF KIT Finance (customer reviews say that only qualified and polite employees work here, ready to help the client at any time) are invested in the following assets:

• 59.56% - corporate bonds;
• 16.08% - Russian government debt securities;
• 14.91% - government debt securities owned by the constituent entities of the Russian Federation;
• 5.44% - deposits in various banks;
• 2.11% - mortgage-backed bonds;
• 1.31% - material resources;
• 0.30% - shares;
• 0.28% - municipal securities.

The efficiency of this investment is confirmed by the growth of profitability in 2015 by 14.50%.

Services for individuals

Since 2002, the Russian Federation has a compulsory pension insurance system that applies to citizens born in 1967. As a result of its activities, pension contributions are formed, this is 22% of the employee's white salary. This part of the pension is divided into insurance (16%) and funded (6%). The first is stored only in the Pension Fund of Russia, and the second person can dispose of at his own discretion. There are several options here, these are: transfer this part to management companies, give it to KIT Finance (pension fund) or another non-governmental pension organization. You can do nothing and leave all charges in the State Pension Fund.

If the insurance part is accumulated in points and cannot be inherited, then the situation with the second part of the pension is completely opposite. It is denominated in rubles, inherited and invested.

"KIT Finance" (here the experts of "Expert RA" attributed insurance to a high degree of reliability and assigned the indicator "A ++") offers its clients various plans for acquiring a second pension.

For the younger generation, there is a program "Start" and "Junior". Children from 15 to 18 years old can participate in it. A long-term contract with the company is concluded with the benefit of the third child. The second future pension insurance plan is suitable for citizens between the ages of 0-18.

For adults, there is a “Second Scholarship” program, where a contract with a company is concluded for the benefit of a person not listed in the program. The Perspective plan has a long period of material accumulation. It is concluded both for its own benefit and for third parties.

Pensioners are offered the "Decent Life" and "Prosperity" systems. The first is intended for those who are 1-5 years old before retirement, and the second is also suitable for those who already receive a pension, but want to increase it.

The Privilege system has a universal investment plan and the highest savings threshold.

Programs for corporate clients

KIT Finance (pension fund) invites legal entities to replenish their social package and motivate employees for long-term cooperation by joining the pension program.

This package of services creates a corporate non-state pension for employees, which is paid in addition to the basic labor pension. The company offers legal entities participation in the program of co-financing of pensions at the expense of the state and compulsory pension insurance. In addition to this, it will ensure the reliability and profitability of pension investments, as well as high-quality customer support.

All corporate programs are divided according to:

• forms of financing;
• methodology for accounting for contributions.

The forms of financing are unilateral and joint. In the first case, the company pays insurance premiums for the employee as long as the employment contract is valid. If the employee leaves the place of work, then he can either independently continue the accumulation of his pension, or take the amount formed on his account, taking into account income. In the second case, the pension is formed with equal contributions from the employer and the employee. Here the company and employees manage their investments at their own discretion. If all the conditions of the pension program are met, when a person reaches a certain age, money is transferred to his account and paid in the form of a corporate pension.

The method of accounting for contributions is divided into registered accounts and joint and several. In the first case, the amount of funds transferred for employees varies, depending on the level of remuneration for work and the position held. Here, an employee cannot dispose of the company's contributions until they reach retirement age. When using a joint retirement account, the organization transfers funds in the total amount without instructions, data about the employee. Contributions from here are paid at the request of the employer, after which KIT Finance (the pension is formed depending on the amount of the client's contribution) transfers the required amount to the employee's account with the Pension Fund, which is added to the basic pension.

Official site of the company

NPF "KIT Finance" has an official website, which contains:

• activities;
• contacts of KIT Finance (address and telephone number);
• schedule;
• company's news.

There is also a list of required documents that must be submitted to KIT Finance (pension fund). You can use your personal account at will. Registration in it is not mandatory, but it greatly facilitates mutual understanding between the client and the company's employees, and will help to track the amount of accumulated funds. In order to enter your personal account, you must enter an individual SNILS number and a cell phone number. Next, the system sends an SMS notification with a password for accessing the site, which will need to be entered in the appropriate field.

In your personal account, you can control the state of the retirement account and see the result of investing in assets. Everyone who wants to pay in it contributions under contracts and change, if necessary, personal data.

Partner organizations

The partners of KIT Finance (non-state pension fund) are the largest and most famous management companies of the Russian Federation, first of all, these are:

• TKB Investment Partners. The volume of the net assets of this company reaches 135 billion rubles. Assessed by rating companies as the most reliable.
• LLC "UK" Agana ". In the financial market since 2000. Has a vast experience of work. Continuously growing and developing. Constantly expanding the scope of its activities. Has a high amount of assets under management and a power of attorney for the management of pension savings.
• CJSC UK Progressive Investment Ideas. In the field of trust management since 2006. Selects long-term and most stable projects. The principles of the company are the reliability and comfort of customers.
• Business Perspective LLC. Provides legal, audit, methodological, consulting and valuation services. Keeps accounting and financial statements of KIT Finance for the past 2015.
• JSC "Specialized Depository" INFINITUM ". The largest operator in the custody of securities, property and investment portfolios. Provides certain services to members of the market, whose field of activity is collective investment.
• "Cbonds". Informational partner of the pension fund. It helps to promptly supply all interested stock market investors with the necessary information.

Company advantages

KIT Finance (non-state pension fund) is a reliable and open organization for its clients, which inspires the trust of millions of clients.

Fund's advantages over other market participants:

• The company has the largest number of insurers among similar pension funds.
• Pension savings are constantly in motion, do not depreciate and increase every year.
• The company creates a modern high-tech service thanks to such functions as a personal account, feedback, a pension calculator, and a qualified support service.
• Refers to the participants of the system, which guarantees the protection of the rights of the insured persons. Has the highest rating of reliability "A ++" "Expert RA" and "AAA" "National Rating Agency".

KIT Finance (NPF) provides reliable support in the future and stable additional income.

Company reliability rating

Long-term savings and profitable investment of pension funds make more and more clients choose KIT Finance. The rating of the company was confirmed on November 2, 2015 by the rating agency "Expert RA" (RAEX) and assigned the trust level "A ++" to the fund. One of the tallest. This indicator indicates that it is quite stable and always fulfills its obligations to the clients of NPF KIT Finance.

Few pension funds can boast such high reliability indicators from two of the leading rating agencies in the country. This is a huge plus for all KIT Finance's activities and helps clients make the right choice.

NPF "KIT Finance": reviews

Many clients are completely satisfied with this insurance organization. Among the positive aspects, they note a good percentage at the end of the year, which allows to cover inflation. Users like the qualified and polite staff, who clearly explains every detail. Good reviews about the personal account, which reflects the amount of pension contributions and the percentage of increase in pension. It is noted for its high rating in terms of reliability. This category of people is completely satisfied with the work of the non-state pension fund and is going to cooperate with KIT Finance in the future.

Reviews. What kind of organization is this? Can you trust her? All these problems really interest citizens. After all, the issue of pension savings is becoming more and more important from year to year. Quite often you have to put it off "for old age" yourself. It is better to do this with the help of non-state pension funds. And among them - to choose only the best of the best. This is not so difficult to do - the competition is great. So is KIT Finance worthy of attention? Is this pension fund suitable for staying calm about your money, or not? And is it possible to find a job here?

About activity

Of course, in the field of its activity, the organization has no complaints. It is doing what it should - collecting funds for the funded part of citizens' pensions. True, only with the appeal of the population. After all, we are dealing with a non-governmental organization.

Thus, you simply transfer a certain amount of money here every month, and the corporation offers to keep it in the form of a funded part of the pension. No cheating or difficult, incomprehensible work patterns. For Finance "(non-state pension background) reviews are earning positive. What is most interesting - here you are offered to make a profit from participation. Good size!

For employee

But before diving into the details of the consumer rankings, it's best to take a look at the company from the inside. Quite often, it is the internal structure of an organization that can quickly tell about its integrity. What stands out in this direction?

"KIT Finance" employees earn in two ways. You can't just say that we have an honest employer in front of us. There are probably no such people now. Everyone is cunning and deceiving in some way, everyone has their own shortcomings. So do not be surprised at the negativity of the corporation.

In principle, KIT Finance is only suitable for assiduous people. Those who are ready to act quickly, quickly and work overtime. The load is enormous, the responsibility is full. There are also more than enough visitors. You will have to work exclusively with documents, do paperwork. Only people with high stress tolerance speak positively about the organization. As for the rest, KIT Finance receives feedback from its employees as a fussy place. Calmness and moderate, calm work are not his strong points.

Wage

Nevertheless, you can put up with everything if you are offered decent wages. This is a good incentive for employees. But in this direction, KIT Finance does not receive the best content.

Why? The thing is that the situation of this employer is not much different from the actions of competitors. Here you are initially promised a high income, but in practice it turns out to be several times lower. Moreover, from time to time, all payments are delayed. This is a good reason to doubt the integrity of the fund.

Nevertheless, all employees are offered favorable conditions for maintaining and increasing their funded part of the pension in the future. This factor attracts many. And that's why most workers are willing to put up with hardships in the workplace. Thus, KIT Finance should not be considered a terrible organization. It is not much different from competitors. In any case, judging as an employer.

Mode

What else can and should be paid attention to? Everyone decides for himself what is important to him. But most employees and customers highlight the organization’s mode of operation as an indicator of quality. Opinions were divided on this issue.

What does it mean? KIT Finance is a pension fund that works all day until the evening. Until approximately 21:00 (of course, it all depends on the specific department, as well as on your region of residence). This allows everyone to come here whenever it is convenient for them. For customers, this solution is a huge advantage.

But judging from the side of the applicant, this kind of schedule is not very happy. Especially considering the fact that you will be regularly left on part-time jobs and overtime. Thus, for employees, the schedule is not well drawn up, but customers are generally satisfied. And it pleases. In any case, if you have a need, you can definitely apply here at a convenient time for you!

Staff

KIT Finance receives various reviews. Some of them are really pleasing, and some are repulsive. It is important for clients to receive advice and all the information they are interested in about the services of any organization. And here the importance is attached to the personnel who work.

In this matter, "KIT Finance" does not stand out in anything special. Rather, there are more negative opinions about the staff than positive ones. It is emphasized that not all employees are fully aware of the details of contributions. That is, it is difficult to get quality advice. In addition, boorish workers are not uncommon. Maybe this behavior is due to some problems and a hard working day, but this is not an excuse.

Most often, KIT Finance tries to recruit only educated, polite employees. Everything for the convenience and comfort of customers. Often it turns out to bring the idea to life. This means that such a decision has a beneficial effect on the popularity of the corporation.

Rating

Now it is clear that KIT Finance (a non-state pension fund) collects various reviews. The trust rating of this organization, despite the ambiguity of customer opinions, is quite high. At the moment, this is one of the best companies where you can and should invest your funded part of your pension.

Where can you see KIT Finance? Approximately 3-6. These are very high positions. This position allows you to be confident in the organization. In any case, you can not be afraid of closing it. Despite the fact that they are losing licenses and failing, KIT Finance is definitely not waiting for such a fate. This is a compelling argument for investing.

Recoil

As in most cases, you will be lured into "KIT Finance" by all means. Particular emphasis is placed on the return (or profit) of your investment. The point is that here you are promised mountains of gold in the form of interest in cash. Tempting offers that beckon. Who doesn't want to increase their own retirement without doing anything special for this? Of course, everyone wants to.

Only in practice, KIT Finance receives not the best reviews in terms of returns and profits. The point is that these indicators are "eaten up" by inflation. You can just keep what you put in. If you are lucky, you will receive only a little profit to accumulate. And no more. There will be no high return on participation, and do not hope! For such surprises, KIT Finance does not receive the best direction. Rather, as a slightly deceitful, albeit reliable corporation.

We make a decision

Should we trust our organization today? This is a difficult question. It all depends on what exactly you want to achieve. If you receive a lot and save up for retirement, the answer will be no. KIT Finance is not the best place to make a profit at the moment.

But if you need a reliable, albeit non-state pension fund, then you can safely contact here. It has already been said that we are dealing with one of the best PF in Russia.

This, in turn, is a guarantee that your pensions will not be lost. There is no need to be afraid of closing an organization. A weighty argument that becomes decisive for most citizens!

Non-state Pension Funds, which are undergoing numerous changes due to the amended legislation, often merge, improving their positions. A similar operation was carried out by the once well-known NPF Kit Finance. The company was successful, but decided to occupy a leading position throughout Russia.

About company

NPF "Kit Finance" was organized at the beginning of the century and by 2012 took first place among all similar organizations in fact, drawn up agreements with potential retirees.

Despite the popularity and excellent activity, the NPF merged with the equally well-known Non-State Pension Fund Gazfond.

The decision was influenced by the possibility of combining its positions, client base and own funds. Further, we will talk about the NPF Gazfond, which was opened in 1994. In 2016, together with the reunification with Kit Finance, a merger with NPF Heritage, formerly known as the Norilsk Nickel Fund, was carried out.

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Gazfond is increasingly attracting little-known regional Non-State Pension Funds as partners.

In the same 2016, NPF Promagrofond joined it, as a result of which the company underwent a reorganization and was renamed into NPF Gazfond Pension Savings, which is still in effect. The pooling activities described have resulted in a leading position breaking records in profitability.

Rating

For 2019, Gazfond has the highest reliability rating of the A ++ category, which indicates an exceptionally high (highest) level predicted for the coming years - until the accreditation period by the national rating agency.

Profitability

In 2009, the profitability of the NPF Gazfond set a record in the profitability of the total volume of Non-State Pension Funds. In recent years, there has been stability in the indicators, which is displayed on the graph.

In 2017, the yield was 12.21%. With stable work, the percentage of investment will grow without sharp drops. The practice of mergers with other Non-State Pension Funds provides an increase in profitability regardless of changes in legislation.

Terms of registration

Considering the terms of the contract with NPF Gazfond, there are two ways to enter into cooperation.

The first method involves submission via the Internet, which occurs in the sequence:

• on the official website of the Gas Fund, it is necessary to find the service "Contract online", where a form for filling in the data is presented on the page;
• you must enter personal data, including the SNILS number - its electronic provision is optional. After that, you need to wait for a response from the operator about accepting the application and its subsequent processing;
• after a few hours, the applicant receives an e-mail contract for signing by a potential pensioner;
• after signing the contract, he is again sent to the fund to complete the conclusion of cooperation.

To conclude an agreement, you need to enter the data of your passport, SNILS and registration address. It is important to provide contact information for communication with the staff of the foundation. After signing the contract, it should be sent by mail or courier service.

You can use an electronic signature, which is made in advance and is used to sign documents online.

The second way is a personal visit to the Gazfond branch. Their large number allows you to do this throughout Russia. You must take with you:

• passport of a citizen of Russia indicating the registration of the client;
• if the applicant has only a temporary registration, he must submit a certificate from the Passport Office, which confirms the address of registration;

In the case when a foreigner applies to the department - a person who lives on the territory of Russia without citizenship, but is employed according to all the rules and requirements of the country's legislation - he must present a certificate of registration and a residence permit.

In the department, the applicant writes a statement with a desire to cooperate with the Non-State Pension Fund and agrees to the terms and conditions formed by the company.

Conclusion of a contract

The conclusion of the contract leads to the observance of the following obligations:

• 6% of the pension contributions transferred by the employer to the Pension Fund of Russia will now go to the formation of the funded part of the Gazfond;
• a potential retiree under a drawn up contract (if any) is obliged to make payments on a monthly basis, but in the absence of an opportunity to warn employees. For example, if a citizen is left without work, and his contract contains a mandatory amount for the contribution (regardless of the generally established 6%), he should warn employees that he cannot temporarily make payments. Gazfond does not penalize customers for violating the terms of the contract, which is what many do, but in order to avoid unpleasant moments, you should keep them informed;
• if a citizen decided to transfer money to another Non-State Pension Fund, he should contact the branch with an application to terminate the contract and a request to transfer the savings to the new company.

Beforehand, the client should take the details of the Non-State Pension Fund, with which he entered into cooperation due to more convenient and favorable conditions for him.

How to terminate the contract

Termination of the contract takes place in accordance with the law and in terms of cooperation with Gazfond does not entail difficulties or problems.

Here you just need to contact the department with the following documents:

• Russian passport;
• agreement with Gazfond;
• a new contract drawn up by employees of another company;
• an extract with the details of the new NPF, where the client wishes to transfer his savings.

Upon termination of the contract and transfer of funds, the accrued income does not “burn out”, but only if cooperation with Gazfond has continued for 4 years or more.

If a potential pensioner has not waited for a period of 3 years, only 80% of savings are returned to him, provided that in 3 full years - 100% of savings, income will not follow.

Payment of contributions

Pension contributions to the Gazfond NPF are paid in accordance with the following conditions:

• the initial payment is determined by individual calculations, which happens even at the stage of concluding an agreement - often NPFs hold shares in which they offer premiums for joining their fund;
• clients can independently replenish their savings account on the condition that they will deposit at least 1 thousand rubles;
• the agreement can specify an arbitrary frequency of payment of voluntary contributions.

To increase your savings in the Gas Fund, it is recommended to deposit amounts within 4 years. If you wish to move to another NPF, the owner of the funded part after the specified period will receive all contributions and income funds in full.

Advantages and disadvantages

In cooperation with NPF Gazfond, the following advantages can be distinguished:

On the website in the Personal Account, you can create various applications and requests to resolve some issues on which you have questions.

The disadvantages include the established period of mandatory cooperation, as well as the inability to track the movement of your own funds. The last factor is intended for all NPFs - clients cannot influence the investment of any assets.

NPF Gazfond has excellent reviews and positive forecasts for the future. Experts talk about reliability and stable growth of equity capital, therefore it is safe and profitable to cooperate with the fund.

Video: Pension Fund or NPF

The non-state pension fund Kit Finance helps all interested parties to form pension capital to maintain a decent standard of living upon completion of employment through participation in the Fund's pension programs.

Information about the state of pension savings is available to depositors remotely - through the personal account of Kit Finance NPF. You can use the Internet service from March-April of the year following the year of transferring savings to Kit Finance.

Personal account features

The section of the Kit Finance NPF personal account was organized on the Fund's website so that clients of pension programs could:

• Check your retirement account online.
• Find out the results of investing pension funds.
• Pay with a bank card the fees under NPO agreements (with the service commission of the acquiring bank).
• Update the personal data recorded in the concluded agreement.

Pension calculator and feedback can be used by any site visitor without authorization.

Registration and login to your personal account

Clients go to the password-protected personal section through the official website of Kit Finance NPF by clicking on the link "Personal account" in its header.

Logging into the personal account of NPF Kit Finance, the user enters:

• SNILS (indicated without separators, since the input field is already formatted).
• The password that the Fund gave him in response to an SMS request for access to the client's personal section.

To get a password, you need to follow the link "Registration" from the section with the login form. On the page that opens, the user:

• Indicates SNILS, which should already be known to the system if the contract has entered into force.
• Agrees with the data processing policy by checking the box next to the consent text.
• Presses the "Register" button.
• Enters a mobile number and asks for a password to access the client's account.

The password, which will then be sent to the client's phone by SMS, can be immediately used for authorization.

The user is allowed to independently recover the password through the site. When you activate the link "Forgot your password?" On the login page of the Kit Finance NPF personal account an electronic form will open. In it, you need to indicate SNILS and, having agreed to the transfer and processing of personal information by putting a tick in front of the relevant items, use the "Restore" button.