Welcome to NCTO - Household Uplifting Programme
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Here are some frequently asked questions about NCTO.

What is NCTO?
It is National Cash Transfer Office, an arm of National Social Investment Programme (NSIP) under the Federal Ministry of Humanitarian Affairs, Disaster Management and Social Development responsible for the management of the Conditional Cash Transfers (CCT) to the poor and vulnerable groups in Nigeria under the Household Uplifting Programme (HUP).
Why CCT?
It was established by the Federal Government to address the consumption needs of the poorest and most vulnerable households and improve human capital development of the citizens.
What are the responsibilities of NCTO?
  • To ensure that only eligible households from the social register are selected as beneficiaries into the programme.
  • To set up state implementation structures (SCTU) including local government area and community levels.
  • To engage payment service providers through transparent and open process to facilitate cash transfer to caregivers in the beneficiaries’ households.
  • To ensure all beneficiary households are paid as at when due through selected payment service providers.
  • To facilitate empowerment of poor and vulnerable households (PVHHs) to establish sustainable livelihood.
  • To facilitate the early resolution of grievances at all levels.
Is every poor Nigerian entitled to this N5,000.00?
No, only the poor and the vulnerable households identified and captured in the National Social Register (NSR) will be enrolled into the programme.
Why Grievance Redress Mechanism?
To enable beneficiaries and community members air their opinion, lay complaints and have an avenue where such complaint can be resolved.
What are the conditions for state participation in the programme?
  • Sign Memorandum of Understanding (MoU)
  • Adopt the Programme Implementation Manual (PIM)
  • Develop the State Social Register (SSR)
  • Establish State Cash Transfer Unit (SCTU)
  • Establish Desk Offices (DOs) in local government secretariats
What are the conditions for state's participation in the programme?
After duly signing the memorandum of understanding (MoU), each state will establish a State Operation Coordinating Unit (SOCU) to populate the State Social Register, to be followed up by the establishment of a State Cash Transfer Unit (SCTU) to be domiciled in an appropriate MDA in the state. The unit will ensure the establishment of LGA Cash Transfer Facilitators (CTFs) who will responsible for community level activities.
Who will finance this?
States and LGAs will receive financial and technical support from Federal Government to carry out their responsibilities. The State Government will provide personnel and logistics support. States will be expected to ensure that supply side facilities are provided as needed for co-responsibilities.
How can the beneficiaries be identified during payment?
  • Electronic end-to-end payment
  • Credentials. NCTO will issue CCT programme identity card containing bio-metrics of beneficiaries upon enrolment of the eligible households.
  • Special provisions. Each beneficiary has a unique identifier encoded in barcode and will be employed for cashing out.
How can limited access to technology be addressed?
Communities that have limited access to technological infrastructure, such as mobile phone coverage and internet, and financial infrastructure, will be paid using offline technology by utilizing the services of MMOs (Mobile Money Operators).
How often will the payment be made?
The payment will be made once in two months (six times in a year).
What are the benefits of the above payment approach?
The benefits of the approach include:
Ensure that cash benefits reach those intended
An electronic trail of Cash Transfers is established, strengthening transparency, accountability, efficiency and safety.
How will this payment be made?
The payment system will transfer cash benefits directly from NCTO at Federal level to beneficiaries using commercially available payment services and minimize the role of intermediaries.