The Nation Newspaper

Category: Pension

  • PenCom okays upward review for 2,116 retirees

    PenCom okays upward review for 2,116 retirees

    The National Pension Commission (PenCom) has approved an upward review of pensions for 2,116 retirees under the Nigeria Social Insurance Trust Fund (NSITF), increasing their total monthly pension payments from N12.56 million to N159.95 million.

    The adjustment represents an unprecedented 1,173 per cent increase in total monthly pension payouts and marks the first pension review for NSITF retirees in 21 years.

    Director-General of PenCom, Ms. Omolola Oloworaran, approved the review, which also included the payment of N8.7 billion in pension arrears to the affected retirees.

    According to PenCom, the move addresses long-standing disparities in NSITF pensions and restores the value of retirees’ benefits in line with statutory provisions and prevailing economic realities.

    In a statement, PenCom said the pension increase aligns with President Bola Ahmed Tinubu’s policy direction on improving the welfare of retirees, noting that the reform reflects ongoing efforts to strengthen Nigeria’s pension system.

    “The NSITF pension increase is yet another milestone in President Bola Ahmed Tinubu’s policy of enhancing the welfare of retirees in Nigeria, as the Director-General continues to champion landmark reforms that have transformed the landscape of the Contributory Pension Scheme,” the statement said.

    It stated that as part of the enhancement, the 2,116 retirees received a total of N8.70 billion in pension arrears, with an average payment of about N3 million per retiree.

    READ ALSO: Fed Govt set to reclaim ungoverned spaces with re-engagement of military retirees

    “In one instance, an NSITF retiree’s monthly pension was increased from about N18,000 to N206,000. In addition, the retiree received over N8 million as pension arrears,” the Commission stated.

    PenCom attributed the pension enhancement to the significant growth of the NSITF Fund, which expanded from N54 billion at the point of its transfer in 2005 to N195 billion as of December 2025.

    According to the Commission, the growth reflects prudent fund management under PenCom’s strict supervision and provided the financial capacity to implement the long-overdue pension review while safeguarding the sustainability of the scheme.

    PenCom further cited Section 39(3) of the Pension Reform Act (PRA) 2014 and Section 173(3) of the Constitution of the Federal Republic of Nigeria, which mandate periodic pension reviews at least every five years or in line with Federal Civil Service salary reviews.

    It also referenced the NSITF Benefits Payment Policy, which stipulates that the minimum retirement pension should not be less than 80 per cent of the prevailing National Minimum Wage.

    Despite these provisions, the Commission noted that the last review of NSITF pensions took place in 2005.

    “In response to this prolonged non-compliance, PenCom invoked Section 53 of the PRA 2014, which requires that benefits under the NSITF Scheme be administered in accordance with the Scheme’s governing terms,” the statement said.

    PenCom subsequently directed Trustfund Pensions Limited to submit a comprehensive proposal for pension enhancement, following which payments were made to verified NSITF retirees.

    To ease the burden associated with pension verification exercises, the Commission approved the deployment of the VerifyMe digital solution for the automated revalidation of NSITF pensioners.

    PenCom said the initiative eliminated the rigours of physical verification and significantly improved service efficiency for senior citizens.

  • PTAD: Resolving Pensioners’ Complaints

    PTAD: Resolving Pensioners’ Complaints

    BODUNDE: Dear Omobola, we the entire PaPD pensioners receiving monthly pension from Fidelity Bank are having issues with the bank. As at today, we are yet to be paid December monthly pension and arrears. Please we need your help Ma.

    MICAH: Good day, my complaint is on the non-implementation of my level 13 promotion after verification exercise was conducted in 2019. I was promoted to the rank of Controller Marketing and the effective date of my promotion was January 2019. My entry point on level 13 was Step 6 and my next incremental date is January 1, 2020. But my level 13 has not been implemented since my retirement. I have sent my complaints to you severally but no response. Kindly assist me. I am a FRCN pensioner

    SHERIFF: Dear Omobola, my name is Sheriff. Please, is PHCN & NITEL excluded in new pension increment?

    BOLA: Good day, my name is Bola. I am a PaPD pensioners receiving monthly pension from Fidelity Bank. But up till date, I am yet to receive my December and January monthly pension. Kindly help me.

    4.Why has ES PTAD, M s. Tolulope Abiodun Odunaiya, remained incommunicado over both 27months CP A and August, 2024 as effective date for N32000 minimum pension, even with N850b?-The Nation Newspaper, Wednesday, 10:12:2025.

    ANNONYMOUS: Good day, I have been complaining of deduction of N9000 from my pension allowance since September last year. Kindly use your office to rescue me from this situation. l have written several times for correction to no avail, why.

    PTAD: Dear PTAD PENSIONER, please send your verification slip to our email complaints@ptad.gov.ng to enable us to investigate and respond further. However, note that PTAD obtained a directive for the re-implementation of the CPA based on grade level in line with the clarification from the NSIWC before implementing the new 20 per cent / 28 per cent increment as applicable. The CPA which was as a result of the minimum wage approval in April 2019 was implemented in May 2021 based on pay-band application with subsequent payment of 24 months arrears covering from April 2019 to April 2021. It is, therefore, instructive to mention that arrears reconciliation arising from the re-implementation of the CPA based on grade level is set aside pending further directive.

    The clarification from the NSIWC which revised the implementation of the CPA to Grade level was taken into cognisance and accordingly implemented on the payroll before the application of the new pension increment of 20-28 per cent as applicable which will take effect from September 2024.

    Read Also: PTAD: Resolving pensioners’ issues

    Further to the above, the Executive Secretary gave directive to pay the 20/ 28 per cent pension increment arrears to only the pensioners whose monthly pension have been correctly computed and implemented as per the August payroll.

    In line with the directive of the Executive Secretary, the Department reviewed the August 2024 pension payroll to ascertain that only pensioners who are on their correctly computed monthly pension are paid the 20 – 28 per cent pension increment arrears and thereafter identified and excluded the following categories of pensioners:

    • Pensioners on the payroll with inherited monthly pension and whose monthly pension entitlement is yet to be computed to date;

    • Pensioners on the payroll with inherited monthly pension but whose monthly pension entitlement have been computed but not yet implemented;

    • Pensioners on the payroll with monthly pension figure that appears to be higher than the maximum monthly pension for their Grade Level.

  • Too frail to travel? Here’s how pensioners can get verified without visiting PTAD offices

    Too frail to travel? Here’s how pensioners can get verified without visiting PTAD offices

    Many pensioners and their families have questions about verification, complaints, and accessing benefits, especially when age, illness, or distance make travel difficult. The Nation explains clearly and simply pension verification, complaints and benefits

    I do not live close to any zonal office, I am frail and cannot travel. How do I get verified?

    Yes, you can still be verified.

    A pensioner who is unable to travel due to age or health conditions may apply for Mobile Verification. To do this, the pensioner should send the required documents through a third party with a formal request.

    The documents include: A full-sized recent photograph; complete contact details

    Career documents; a medical report confirming a condition that prevents travel

    Once the documents are reviewed and found satisfactory, a team of mobile verification officers will be deployed to verify the pensioner at home.

    My spouse is bedridden and cannot attend verification. What should I do?

    The same Mobile Verification process applies. You are required to gather all the documents listed above and proceed to the nearest zonal office to formally notify the Team Lead. Arrangements will then be made for officers to visit your spouse at home for verification and subsequent enrolment for Monthly Pension (MP).

    Read Also: PTAD: Resolving pensioners’ issues

    My husband was a pensioner but has passed away. The bank has frozen his account. How can I access his pension and outstanding benefits?

    The Next of Kin is required to formally notify the office of the pensioner’s death. A written notification should be addressed to the Executive Secretary, attention to the Director of the relevant Department, and accompanied by documents such as: Letter/Gazette of First Appointment; Letter/Gazette of Confirmation of Appointment; Letter of Last Promotion; Letter of Retirement; Death Certificate (from a Government Hospital or National Population Commission); Bank statement of the deceased from date of retirement to date of death; Letters of Administration issued by a court of competent jurisdiction; Computation sheet (for State pensioners with Federal share); Severance payslip (for downsized pensioners); Joint account statement of the Next of Kin; BVN printout of the Next of Kin; Recognisable means of identification; Affidavit of Next of Kin; Marriage certificate (where the claimant is the spouse).

    Where necessary, the Directorate will formally write to the bank to facilitate the release of any accrued funds. All outstanding benefits due to the deceased pensioner will then be computed and paid to the eligible Next of Kin.

    When will in-house verification start in all zonal offices?

    Plans are currently underway to extend in-house verification to additional zonal offices. For now, pensioners can access in-house verification services at the Abuja and Lagos offices.

    What bank statement period is required for verification or complaints?

    A duly stamped and signed NUBAN bank statement on the bank’s official letterhead is required.

    Where a complaint exists: From the date of retirement or date the complaint arose to the present.

    Where there is no complaint: Bank statement for the last six months only.

  • LASPEC takes pension awareness campaign to public servants

    LASPEC takes pension awareness campaign to public servants

    The Lagos State Pension Commission (LASPEC) on Friday held a day-long pension awareness programme to educate Lagos State public servants on terminal benefits options under the Contributory Pension Scheme (CPS).

    In a move that underscored its commitment to proactive engagement, LASPEC staff, alongside Pension Fund Administrators (PFAs) and annuity providers, took the awareness campaign beyond office walls, embarking on a walk from the Office of the Head of Service to the Budget Office at the Alausa Secretariat, Ikeja.

    As part of the exercise, LASPEC officials were deployed in groups to various ministries, departments and agencies within the Secretariat to engage workers directly, answer questions and clarify misconceptions surrounding pension administration.

    The awareness campaign extended beyond the secretariat as sound vehicles moved through the Ikeja environs, drawing public attention to pension matters and reinforcing Lagos State’s leadership role in pension administration across the country.

    The exercise, described by participants as both enlightening and innovative, attracted widespread attention and reaffirmed Lagos State’s reputation as a model for effective pension administration, which experts say should be understudied by other public and private institutions nationwide.

    Delivering a goodwill message at the programme, the Head of Service, Mr. Bode Agoro, described the awareness programme as a deliberate effort by the Lagos State Government to deepen understanding, transparency and trust in pension administration, noting that pension education should not be limited to officers nearing retirement but should begin early in service.

    Read Also: LASPEC: why public servants should embark on data recapture

    Agoro emphasised pensions represent security, dignity and continuity of care after years of dedicated service.

    Unfortunately, he said misconceptions and lack of awareness have sometimes undermined confidence in the system.

    This programme seeks to bridge those gaps through direct engagement and accurate information, he said.

    He encouraged LASPEC staff to see the assignment as an opportunity to serve as ambassadors of trust and accountability, adding that empathy, clarity and professionalism in their interactions would shape public perception of the pension system.

    The Head of Service reaffirmed the commitment of the Lagos State Government, under Governor Babajide Olusola Sanwo-Olu, to protecting the welfare of serving and retired public servants through continuous reforms and stakeholder engagement in line with global best practices and the THEMES+ Agenda.

    He further commended the Director-General of LASPEC, Mr. Babalola Obilana, and the Commission’s management and staff for their consistent and laudable initiatives.

    Speaking during the exercise, the Executive Director of LASPEC, who led the walk, said the pension awareness programme was the first of its kind in Lagos State and would be sustained.

    He explained that the programme was designed to sensitise public servants on their rights, responsibilities and available terminal benefits options under the CPS.

    He said: “The initiative was borne out of the need to address widespread gaps in pension knowledge among public servants. What we have discovered over time is that many officers are not fully informed about their pension rights and responsibilities under the Contributory Pension Scheme. Some do not even verify whether their monthly deductions are correctly remitted to their Retirement Savings Accounts,” Oshin said.

    He explained that the Commission decided to take pension education directly to workers in their offices to ensure early understanding and prevent challenges at retirement.

    “We want officers, even those who just resumed service one or two years ago, to understand that pension deductions are investments. They must regularly check that deductions are accurate and remitted promptly, because failure to do so could lead to loss of investment income over time,” he added.

    Oshin noted that LASPEC had previously focused on bi-annual pre-retirement workshops for officers within six months of retirement, but the Commission was now expanding its scope to reach officers at all stages of their careers.

    This awareness campaign complements our pre-retirement programmes. By starting early, we reduce anxiety, prevent delays at retirement and ensure a smoother pension process for our officers, he said.

    On the response from workers, Oshin said the turnout and engagement were encouraging.

    “The enthusiasm we saw today was remarkable. Officers were happy that LASPEC came to them. They asked questions that had bothered them for years, and with PFAs and annuity providers present, we were able to give immediate clarification,” he said.

    He assured that the awareness campaign would be sustained as part of LASPEC’s broader strategy to strengthen pension administration and safeguard the welfare of Lagos State public servants.

  • Mutual Benefits assures stakeholders of capital strength

    Mutual Benefits assures stakeholders of capital strength

    • Marks 30th anniversary

    Mutual Benefits Assurance Plc has assured stakeholders of its strong capital position and readiness to scale through the ongoing insurance industry recapitalisation exercise, as it celebrated its 30th anniversary with a thanksgiving service in Lagos.

    Speaking at the thanksgiving service, the Chairman of Mutual Benefits, Dr. Akin Ogunbiyi, said that the company has invested about $64 million in a producing oil asset, describing the move as a significant milestone for a firm that began operations three decades ago with an initial capital of about N5 million.

    Ogunbiyi said the investment reflects the company’s evolution, resilience and long-term growth strategy, noting that Mutual Benefits has successfully transformed from a modest local insurer into a diversified financial services group with regional footprints.

    He also highlighted the growing contribution of the company’s regional subsidiaries, revealing that Mutual Benefits’ operation in Niger Republic has emerged as the second-largest insurer in that market, with prospects of becoming the market leader following the exit of some francophone competitors.

    Reflecting on the company’s journey, Ogunbiyi recalled how Mutual Benefits navigated major financial and operational challenges, including a liquidity crisis in 2020, which was resolved through a $10 million capital injection from U.S. investors, as well as the successful resolution of a debt dispute at a London court.

    He paid glowing tribute to the company’s staff, recounting several storms the organisation weathered over the years, including the Daewoo loan crisis, which he said had threatened not only Mutual Benefits but other insurance firms in the industry.

    The chairman also traced the company’s humble beginnings and its expansion beyond Nigeria to countries such as Liberia and Niger, where it is steadily building a leadership position in the insurance market.

    On expansion strategy, the management of Mutual Benefits said the company remains cautious about mergers and acquisitions.

    The Managing Director/Chief Executive Officer, Mr. Olufemi Asenuga, explained that while acquisitions remain an option, they are not a priority at the moment, citing challenges encountered after the 2007 acquisition of Worldwide Insurance.

    Read Also: Mutual Benefits remains stable amid challenging economy, says Chairman

    Instead, Asenuga said the company is leveraging technology to revive and expand its microinsurance business, which had previously been constrained by high distribution costs.

    According to him, a technology-driven rollout is now being planned to deepen market penetration and improve efficiency in the segment.

    Asenuga assured stakeholders that Mutual Benefits is well positioned to navigate the ongoing recapitalisation exercise, having proactively strengthened its capital base long before the current regulatory push.

    He disclosed that despite several regulatory directives issued to the industry in the last five years, the company had already exceeded the capital thresholds of N10 billion for Life insurance and N15 billion for General insurance businesses.

    “By 2020, we had already complied with the initial directives. As we speak today, we have not only met the minimum requirements, we have surpassed them for both the Plc and the Life company,” Asenuga said.

    He added that the group’s focus has moved beyond regulatory compliance to injecting additional liquidity to support aggressive business growth and expansion.

    Beyond underwriting, Asenuga revealed that the group’s diversification into the energy sector serves as a hedge against domestic economic cycles.

    “It has not been easy for a company to stand this tall after 30 years, especially in an economy characterised by volatile government and regulatory policies,” he said.

    The thanksgiving service, held to mark Mutual Benefits Assurance Plc’s 30th anniversary with the theme “Fulfilling Purpose,” attracted industry stakeholders, financial sector leaders, staff, well-wishers and a former Commissioner for Insurance, Mr. Fola Daniel.

    The colourful event featured the presentation of long-service awards and cash gifts to staff in recognition of their dedication and loyalty to the company over the years, including the Managing Director/CEO himself, who has spent 30 years with the organisation.

    Asenuga emphasised the company’s commitment to customer satisfaction and a supportive work environment, noting that a strong workplace culture has played a key role in retaining talent and sustaining growth.

  • NIA trains underwriters on NIIRA 2025 sections

    NIA trains underwriters on NIIRA 2025 sections

    The Nigerian Insurers Association (NIA) has trained underwriters on Compulsory Container Insurance mandated in Section 203 of the NIIRA 2025.

    The Director-General of the NIA, Mrs. Bola Odukale, in an opening remark during two-day workshop emphasised the critical role of insurance in national development.

    READ ALSO; Arewa, this has to stop

    She stated that a well-regulated and legally backed insurance industry is vital to economic growth, investor confidence, and public protection.

    She urged participants to actively engage in the sessions, noting that the knowledge gained will not only strengthen professional capacity but also enhance effective implementation of compulsory insurance provisions for the overall benefit of the economy.

    No fewer than 40 underwriters of container insurance attended the workshop at the Insurers House, Victoria Island, in Lagos.

  • Lasaco Assurance sets strategic focus to strengthen competitiveness and customer experience

    Lasaco Assurance sets strategic focus to strengthen competitiveness and customer experience

    Lasaco Assurance Plc has outlined a clear strategic direction aimed at strengthening its market position, improving execution, and delivering enhanced value to customers.

    This is coming as Nigeria’s insurance industry faces rising competition, evolving customer expectations, and increasing regulatory demands, insurance companies are repositioning to remain relevant and resilient.

    The strategic direction was communicated during the company’s recent staff retreat, where management engaged employees on the organisation’s priorities for the coming years and the need to strengthen operations, innovation, and service delivery in a changing insurance environment.

    Speaking at the retreat, the Acting Managing Director, Mr. Ademoye Shobo, said, “The company’s strategic priorities for the coming years will focus on modernising operations, fast-tracking digital adoption across service delivery, and developing insurance solutions that are better aligned with the realities of today’s customers.”

    He explained that these focus areas are central to improving accessibility, strengthening performance, and positioning the company for long-term competitiveness within the insurance sector.

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    Also addressing staff, the Deputy Managing Director, Mr. Rilwan Oshinusi, highlighted the importance of strong execution, collaboration, and disciplined implementation in translating strategy into measurable outcomes.

    Driven by this leadership direction, Lasaco Assurance Plc is strengthening its capacity to deliver simpler processes, more responsive service channels, and improved customer experiences, positioning the company to meet the evolving needs of policyholders in Nigeria’s insurance market.

  • Heirs Insurance opens Hackathon

    Heirs Insurance opens Hackathon

    • To reward nine tertiary students

    Heirs Insurance Group (HIG) has called for applications for the maiden edition of the Heirs Insurance Hackathon, a technology-driven innovation programme designed to empower young students shape the future of insurance through Artificial Intelligence and digital solutions.

    The Hackathon is open only to students in universities, polytechnics, and other tertiary institutions to build solutions for real-world challenges across the insurance value chain, from customer experience and claims processing to underwriting, distribution, data, and operational efficiency.

    Registration closes on February 16, 2026, with winning teams to be announced at the Hackathon Grand Finale in April.

    According to the company, a total prize pool of N9 million will be awarded to the top three teams. The initiative reflects Heirs Insurance Group’s commitment to youth empowerment, digital skills development, and inclusive innovation, providing a platform for young Nigerians to apply emerging technologies to critical financial services challenges while gaining exposure to industry, mentorship, and real business problems.

    The Hackathon is being delivered in partnership with Redtech, the digital payment solutions arm of Heirs Holdings, which will bring its technical expertise to support the programme and review submitted solutions, ensuring that ideas are evaluated not only for creativity but also for technical feasibility, scalability, and real-world impact.

    READ ALSO: Tax reform: Lessons for national health financing

    Commenting on the launch, Chief Digital Officer, Heirs Insurance Group, Peace Philips said: “Africa’s future will be built by young people who have the opportunity to apply their ideas, creativity, and technology skills to real economic challenges.

    “Through the Heirs Insurance Hackathon, we are giving the next generation of innovators a platform to engage with the insurance industry, build meaningful solutions, and contribute to shaping a more efficient and inclusive financial system.

    ”Entries can be submitted on the Heirs Insurance Group website on hackathon. Heirs Insurance Group is the insurance arm of Heirs Holdings, the leading pan-African investment company, with investments across 24 countries and four continents. Heirs Insurance Group is championing financial inclusion and leading the digital insurance play in Nigeria, demonstrating its mission to democratise access to insurance”, he added.

    With a rapidly expanding retail footprint and an omnichannel digital presence, Heirs Insurance Group, comprising Heirs General Insurance Limited, Heirs Life Assurance Limited, and Heirs Insurance Brokers, serves both corporate and individual customers across Nigeria.

  • ‘Only 215,914 informal workers enrolled in personal pensions as 92m remain uncovered’

    ‘Only 215,914 informal workers enrolled in personal pensions as 92m remain uncovered’

    The National Pension Commission (PenCom) has disclosed that just 215,914 Nigerians in the informal sector are enrolled in the Personal Pension Plan (PPP), leaving about 91.88 million workers without any form of pension cover out of an estimated 92.1 million informal-sector workforce.

    The pension regulator, in its third-quarter 2025 report, said the figures highlight the enormous untapped potential within the informal sector and underscore the need for a more deliberate and coordinated industry-wide strategy to deepen micro-pension adoption.

    PenCom noted that achieving national pension inclusion targets would require intensified public awareness campaigns, expansion of agent networks, and the development of pension products specifically tailored to the realities of informal-sector workers, to also ensure the long-term sustainability of the PPP scheme.

    A review of PPP registrations in the third quarter of 2025 further revealed a highly concentrated market structure, with AccessARM and Stanbic IBTC jointly accounting for 68 per cent of all registered Retirement Savings Accounts (RSAs) as at September 30, 2025. AccessARM retained its leadership position with 50 per cent of total registered participants, while Stanbic IBTC followed with 18 per cent.

    READ ALSO; Arewa, this has to stop

    According to the report, AccessARM recorded strong new registrations during the quarter, while Stanbic IBTC posted only modest growth. Other operators such as Parthian Pensions and CardinalStone Pensions Limited recorded minimal activity, contributing just 0.01 per cent and 0.02 per cent respectively to total registrations in Q3 2025.

    PenCom added that as at the end of the quarter, total PPP contributors represented only about 0.23 per cent of Nigeria’s estimated informal-sector workforce, based on data from the Nigeria Labour Force Survey by the National Bureau of Statistics (NBS).

  • What you need to know about ‘I am Alive Confirmation’ Part 2

    What you need to know about ‘I am Alive Confirmation’ Part 2

    Can I do I AM ALIVE CONFIRMATION from another site apart from through PTAD website?

    Yes. You can also log on to https://iamalive.ptad.gov.ng

    Is I AM ALIVE identification letter from the embassy the same as the ‘’I AM ALIVE’’ being conducted by PTAD?

    No. The letters issued by Nigerian Embassy abroad are for diaspora pensioners to verify their identity and location.

    Why do I need to move my head using facial option?

    The system is carrying out an aliveness check, so when you move your head it is capturing and sending the angle points of your facial features.

    Do I need to use my BVN or other bank details like Debit Card Numbers or PIN for conducting the I AM ALIVE exercise?

    No, you do not. Only your PTAD pensioner number and account number is required. PTAD will never ask you for your, BVN, PIN or ATM card number.

    READ ALSO: Tax reform: Lessons for national health financing

    Is it safe to share my details with a third party to assist me in carrying out the I AM ALIVE CONFIRMATION?

    Yes you can. Please always ask a trusted person to assist you. The only information required is your pensioner number and account number. DO NOT SHARE any other information.

    If I miss the I AM ALIVE CONFIRMATION, will it affect my monthly pension?

    Yes. You will be suspended from payroll for that month and any other month you miss thereafter. You can however, complete the confirmation any day and time immediately after you received the notice of  your “past due” date.

    If I complete my IAM ALIVE after my past due date, will my suspension from payroll be lifted?

    Yes. Your suspension will be lifted automatically and you will be restored to payroll for payment in the next payroll cycle.

    I have been restored to the payroll following my suspension period, will I receive my arrears for the months I was on suspension?

    Yes. Your arrears for every month/payment cycle missed will be automatically computed and added to your pension for the next month.

    I was successful with my I AM ALIVE CONFIRMATION and yet my pension was stopped/not restored, what should I do?

    Please contact PTAD through our call centre, any of our state offices or our Abuja contact centre.

    If I try the facial option and I am unsuccessful and I want to do the alternative fingerprint option, where can I go to get it done because I will require assistance?

    You can go to a business centre that has a fingerprint device or purchase a fingerprint device for use on your desktop. Go to I Am Alive portal on PTAD website and download the SDK feature.

    If I am not successful with facial option, but successful with the fingerprint option, what could be the reason for this?

    This may be because your face could not be detected by the system, or your photo on the database is not very clear and needs to be updated.