Göndereceğiniz her bir SMS, Avea ve Turkcell aboneleri için 0,50 kr.; Vodafone aboneleri için 0,40 kr. olarak ücretlendirilecektir. Ücretlendirmeye KDV ve ÖİV dahildir. Operatörün SMS ücretinde değişiklik yapma hakkı saklıdır.

Group Retirement Plan for Doctors

By participating in the Group Retirement Plan for Doctors,you will benefit from the advantages which do not exist in any investment instrument within the scope of Private Pension System!

In this retirement plan, from which only the doctors may benefit, no entrance fee is charged in advance; administration cost deduction may decrease down to 0% depending on the contribution amount you pay; we provide services free of charge and 40% discount at Türkiye İş Bankası Kültür Yayınları (Cultural Publications). Besides, your spouse and your children above the age of 18 may also participate in this very advantageous retirement plan and start to save for their future, beginning from today. If you wish, you may also make payment on behalf of them.

You may make applications for the Group Retirement Plan for Doctors, through the branches of İş Bank.
What are my advantages?

State Subsidy:

You may benefit from the advantage of state subsidy at the rate of 25% of the contribution amounts you pay regularly or by a lump-sum payment. Total state subsidy to be provided in a calendar year may not exceed 25% of the annual total gross minimum amount of fees determined for related calendar year.

Discount at İş Kültür Yayınları (İş Cultural Publications):

You shall be offered a discount rate of 40% at Türkiye İş Bankası Kültür Yayınları.

Investment Consulting:

You may shape your investment decisions by the "Investment Consulting Bulletin" prepared by İş Portföy Yönetimi (İş Portfolio Management) within the scope of the Group Retirement Plan for Doctors.

Free emergency ambulance and health consulting services:

In emergency cases, you may benefit from the land ambulance and health consulting services provided by S.O.S. International Ambulans Servisi (Ambulance Service) A.Ş. Costs of these services shall be met by our company. Besides, it is sufficient for you to benefit from these services, just to pay at least one contribution amount within the preceding one year period.

In cases not considered within the scope of emergency cases, you may benefit from the ambulance service with a discount at the rate of 20% and in all cases whether or not considered within the scope of emergency cases, your first degree relatives may benefit from the ambulance service with 20% discount. For the list of cases considered within the scope of emergency please click on.

Discount at contracted health institutions:

If you encounter any health problem, you may apply to our contracted health institutions and may benefit from discounted prices. To examine the list of our contracted health institutions, please click on.

You can get Social Security Consultation.

By using this service, which we only provide to our private pension customers, you can direct all the questions you may have on the social security system for yourself and your loved ones, to our consultants.

To fill out the Social Security Consultation form please click.
How much do I have to pay?
You may participate in the Group Retirement Plan for Doctors by paying a minimum monthly contribution amount of TRY 169.

You may make your contribution payments as indexed to US Dollars or Euro; in monthly, quarterly, semi annual or annual terms; by credit card, automatic payment instruction or in cash.

Can I have detailed information about entrance fee, deductions and funds?

Entrance Fee:

In the Group Retirement Plan for Doctors, we do not charge any entrance fee which can be collected on the signature date of the contract according to the Private Pension Legislation

In the event that you withdraw from the company, the entrance fee that will be deducted from your savings as the deferred entrance fee shall vary according to the period of time you have remained in the company as of the signature date of the contract. In the event that you remain for 5 years in our company as of the signature date of the contract and also in case of withdrawals due to death or disability, we do not charge any entrance fee.


In the beginning
In case of withdrawal between 0 - 60 months
In case of withdrawal after the 61st month
Not charged
8.5% of the Monthly Gross Minimum Wage x 5 - (Total of deductions charged until the date of withdrawal *)
Not charged


*Total of deductions refers to the total amount of deductions of entrance fee, administrative expenses fee and additional administrative fee within the period of contract.

Administrative Expenses Fee:

We decrease the administrative expenses fee, which can be charged in the amount of 8.5% of the monthly gross minimum wage according to the legislation, down to 0% depending on the total amount of contribution fee paid in the Group Retirement Plan for Doctors.

If the total contribution amount paid within the first 5 years of the contract is
As of the 6th year
below TRY 12,000
Not charged
one-twelfth of 8.5% of the gross minimum wage is charged
Not charged
between TRY 12,000 (included) – TRY 24,000 one-twelfth of 4.25% of the gross minimum wage is charged
Not charged
over TRY 24,000 it is not charged
Not charged


Total Contribution Amount Paid: It is the total contribution amount paid as of the effective date of the account until the date when administrative expenses fee shall be deducted.

If you do not make any payments to your account within the 3 months following the contribution payment date, you will be considered to have discontinued your payments. In the event that you pause your payments, additional administrative cost in the amount of one-twelfth of 8.5% of the monthly gross minimum wage shall be deducted from your savings for each month you do not make your payment as long as the period you pause to pay.

The total of the administrative expenses fee, additional administrative fee and entrance fee charged in the related year of the contract shall not exceed 8.5% of the monthly gross minimum wage for each year.

*Gross minimum wage costs are charged according to the procedure stated in the legislation. In the event that there is administrative expenses fee and entrance fee that is not paid within the first five years of the contract, it shall be collected in the years following the fifth year of the contract.

Total Fund Management Fee:

According to the private pension legislation it is set that companies can charge total fund management fee (fund operation cost deduction and saving, auditing, operation expenses, etc. related to funds) based on the fund net asset value to pay for expenses related to pension investment funds.

In the Group Retirement Plan for Doctors; fund operating cost and total fund expenses fee are applied in the rates provided in the table below from each pension investment fund. Total fund expense fee shall be refunded to your account at specific rates according to the year of the contract.* Refund operation shall be applied at a rate of 2.5% as of the 6th year of the contract. Between the 7th and the 14th years of the contract, the refund rate valid in the previous year is increased 2.5 points for each year. Following the 15th year and on, 25% rate is applied permanently. Refund operation shall start as of 1st January 2021.

*Refund shall not be applied for the amount below 1.1% of the available saving as of the date of calculating the deduction.



Name of the Fund
Fund operating costs deduction
Fund total costs deduction (Maximum)
AH1 - AHE Bond Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH2 - AHE Money Market Fund
0,00275 % daily (0,99 % annually)
0,003 % daily (1,09 % annually)
AH3 - AHE First Debt Instruments Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH4 - AHE Second Debt Instruments Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AH5 - AHE Equity Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH6 - AHE Developed Countries Flexible Fund
0,00550 % daily (2,00 % annually)
0,00625 % daily (2,28 % annually)
AH8 - AHE Conservative Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH9 - AHE Balanced Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AH0 - AHE Dynamic Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AGE - AHE Participation Standard Fund
0,00550 % daily (2,00 % annually)
0,00625 % daily (2,28 % annually)
ABE - AHE BRIC Plus Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
AHC - AHE Private Sector Debt Instruments Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AHL - AHE Aggressive Flexible Fund
0,00605 % daily (2,20 % annually)
0,00625 % daily (2,28 % annually)
ATK - AHE Standard Fund
0,00510 % daily (1,85 % annually)
0,00525 % daily (1,91 % annually)
AEA - AHE Gold Fund
0,00296% daily (1,07% annually)
0,003% daily (1,09% annually)
ATE- AHE Isbank Subsidiaries Index Fund
0,00520% daily (1,89% annually)
0,00525% daily (1,91% annually)
AET - AHE Contribution Fund
0,00096 % daily (0,35 % annually)
0,001 % daily (0,365 % annually)
AER - AHE Participation Contribution Fund
0,00096 % daily (0,35 % annually)
0,001 % daily (0,365 % annually)