Federal Government National Cash Transfer Office (NCTO), All You Need To Know.

National Cash Transfer Office (NCTO) (Nigeria)

Federal Government National Cash Transfer Office (NCTO), All You Need To Know

The National Cash Transfer Programme also known as Household Uplifting Programme (HUP) is one of the 4 social investment programmes anchored by the Federal Government of Nigeria. This article will educate you on what National Cash Transfer Programme truly stands for and how it operates.
we have received many questions and complains from our esteem site visitors asking us what NACTO stands for and how they can apply. So today we will roundup in the simplest terms all you need to know about NACTO
The programme commenced in September, 2016.  It was conceived as part of the Federal Government of Nigeria’s (FGN) larger growth and social inclusion strategies aimed at addressing key social concerns in the country. It is a component of National Social Safety Nets Project (NASSP) which is supported by the World Bank, to provide financial support to targeted poor and vulnerable Nigerian households.
NCTO carries out a number of activities in the communities, including cash transfers, sensitization, capacity building and grievance redress.
The Programme focuses on the poor and vulnerable households in Nigeria as identified through a combination of geographic and community-based targeting mechanisms. The identified household’s socioeconomic data is subjected to Proxy Means Testing (PMT) for ranking the poor and vulnerable in the National Social Register (NSR).


Conditional Cash Transfers

The Conditional Cash Transfer supports the poor and vulnerable with N5,000 (Five Thousand Naira) per month, to improve consumption, with the aim of reducing poverty, preventing the vulnerable households from falling further down the poverty line and building their resilience to withstand shocks.

Cash Transfers

One of the major activities of the programme is to facilitate the transfer of N5, 000 per month to beneficiaries, which is paid on bi-monthly bases (every two months). The payment is given to all eligible households selected from the National Social Register (NSR). The second type of transfer known as top-up (additional five thousand also given bi-monthly) is given to a subset of the recipients of the first type of transfer, upon fulfilling certain conditions.

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Capacity Building

One of the major benefits of the programme besides the monthly N5,000 is capacity building. Capacity are built at all tiers to enhance empowerment of beneficiaries’ household to be self-reliant

The training is carried out at three tiers; officers at the state level and local government level are trained who in turn cascade the training to the beneficiaries in their communities.

Beneficiaries are trained on Life Skills (LS) and Savings Group Mobilization and Micro Business Development (SGMB). The training on SGMB is targeted at enabling the beneficiaries to save, form economic groups, make financial plans and engage in viable business activities within their communities in order to strengthen their livelihood activities by contributing their share to the state and national economy.

The life skill (SL) training on the other hand helps the beneficiaries to develop social and interpersonal skills that will enable them to cope with every day challenges of life by building and enhancing self-confidence and awareness.

Weekly visit to beneficiaries for coaching and mentoring to ensure learning from training received are put to use and to hand hold beneficiaries through the process of savings group formation and management of livelihood activities.


The livelihood support activities facilitate graduation of beneficiaries out of poverty, thereby making them financially independent.

Livelihood support aims at complementing the cash transfer to help targeted households to build a mind-set of enterprise development in order to reduce abject poverty in communities and create opportunities for work both on-farm and off-farm especially among women and youth. The livelihood component of this programme is fundamentally focused at enabling beneficiaries to establish a sustainable means of livelihood. A number of beneficiaries have made remarkable progress in their individual lives and households. A lot of the beneficiaries of the CCT are engaged in productive business activities for self-reliance. Some of them are engage in animal husbandry, petty trading, services such as dressmaking, grinding of grains and other necessary service at the communities which was the preserve of a few persons.

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Top-up Cash Transfer

The Top-up Cash Transfer incorporates benefits linked to the participation of selected households in activities focused on human capital development and sustainable environment through adherence to specified conditions known as co-responsibilities. The four broad areas available for the co-responsibilities are:

  • Health
  • Education
  • Nutrition
  • Environment

The Top-up cash transfer is  aimed at:

  • Increasing children school enrolment/attendance
  • Improving utilization of health facilities for ante and post-natal care, child immunization and nutrition.
  • Addressing environmental hazards to improve productive assets.
The programme is focused on responding to deficiencies in capacity and lack of investment in human capital, especially amongst our poorest citizens. Beneficiaries of the programme are mined from the National Social Register (NSR), comprising State Social Registers (SR) of poor and vulnerable households.
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Nwoka Stanley

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