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FG Rolls Out N10bn Housing Loan, Robust Retirement Benefits for Civil Servants

The Federal Government has rolled out a comprehensive welfare package for civil servants, including a N10 billion housing loan scheme, enhanced allowances, and a new exit benefit structure aimed at improving the financial security of workers before and after retirement.

The Head of the Civil Service of the Federation, Didi Esther Walson-Jack, announced the reforms at a press briefing in Abuja, describing the initiative as a decisive step toward aligning public service welfare with prevailing economic realities.

She said the reforms reflect the commitment of President Bola Ahmed Tinubu’s administration to prioritising workers’ welfare and strengthening the public service system.

“This marks a shift from policy promises to tangible benefits,” Walson-Jack said, adding that the package is designed to provide both immediate relief and long-term support for government employees.

At the heart of the reforms is a newly introduced Exit Benefit Scheme, which guarantees 100 per cent of a retiring civil servant’s total annual emoluments. The scheme, which takes effect from January 1, 2026, is intended to ensure that public servants retire with financial dignity.

The government has also fully operationalised the Employee Compensation Scheme to support workers who suffer job-related injuries, disabilities, or death. According to Walson-Jack, the initiative complements existing insurance frameworks while expanding protection for civil servants and their families.

In addition, the Federal Government approved full Duty Tour Allowance for officers attending programmes at designated government training institutions, irrespective of travel requirements. The administration also reviewed and increased the Peculiar Allowance across all grade levels, alongside adjustments to Duty Tour Allowance, estacode, and book allowances.

A major highlight of the package is the N10 billion housing loan scheme, designed to boost home ownership among civil servants and ease access to affordable housing.

The reforms, according to the Head of Service, underscore a broader effort by the government to improve morale, enhance productivity, and reposition the civil service as a more efficient and worker-friendly institution.

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