How do I know if I own Sanlam shares?

Sanlam shares can be held in four ways:

  1. Shares in the Sanlam Share Account (a Computershare Central Securities Depository Participant / CSDP)
  2. Shares held in your own name in Computershare’s CSDP
  3. Shares held by a bank or broker in other CSDP’s
  4. Shares held by means of share certificates

Shares in the Sanlam Share Account (a Computershare Central Securities Depository Participant)

The Sanlam Share Account Nominee Pty Ltd is a wholly-owned subsidiary of Sanlam Life Insurance Ltd and a nominee company established to hold Sanlam securities on behalf of its shareholders. If you had a qualifying Sanlam policy in 1998 during Sanlam’s demutualisation, you would have been allocated shares and after successful validation these free shares were issued to you. Those shares are likely to be held in the Sanlam Share Account if you did not request a certificate.

Sanlam’s appointed transfer secretary Computershare Ltd, is authorized to administer the Sanlam Share Account. It is administered by Sanlam and serviced by Computershare, which acts as transfer secretary for Sanlam shares.

Computershare provides custody and settlement services for the Sanlam Share Account. This is a cost effective and easy option for share dealing services, particularly for smaller shareholders.

As a shareholder, you can also use the services of a stockbroker of your choice. However, this option has cost implications.

There are no fees charged for holding your shares in the Sanlam Share Account, but Sanlam reserves the right to recover the costs associated with changes to address and bank account details. You will receive a statement confirming your shareholding twice a year, free of charge.

You can contact Computershare at sanlamholders@computershare.co.za to establish whether you own any shares in Sanlam.

Shares held in your own name in a CSDP

You can hold shares through Computershare’s CSDP facility in your own name. However, fees levied by Computershare for the facility will not be carried by Sanlam – this will only happen if you use the Sanlam Share Account. Therefore, shareholders choosing not to use Sanlam Share Account will have to cover any costs themselves.

Please contact Computershare to establish whether you own any shares in Sanlam and for other details and costs.

Shares held in other CSDP’s

You can hold your shares in a CSDP through a nominee company of a stockbroker or any other nominee company such as a bank. Consult your stockbroker or bank to establish whether you own Sanlam shares.

They will provide you with details and costs should you wish to go this route.

Shares held by means of share certificates

You may continue to hold your shares by means of physical share certificates. However, by holding your shares in a certificated form, you are exposed to the risks and costs associated with your certificate being lost, defaced or destroyed.

You will have to dematerialise your share certificate before you will be able to trade, sell or transfer, your shares. In the meantime, your share certificates will remain your proof of ownership.

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Complete Guide to NSFAS Online Loan Application for South African Students (2025)

If you are a South African student looking to pursue higher education but are facing financial difficulties, the National Student Financial Aid Scheme (NSFAS) is one of the most accessible funding options available. NSFAS provides financial aid in the form of bursaries and loans to qualifying students at public universities and TVET colleges in South Africa.

This guide will walk you through everything you need to know about the NSFAS loan application process, from eligibility requirements to application steps and frequently asked questions.

📌 What is NSFAS?

The National Student Financial Aid Scheme (NSFAS) is a government-funded financial aid scheme aimed at helping students from low- and middle-income households to access tertiary education without the burden of upfront fees.

NSFAS offers both bursaries and income-contingent loans:

  • Bursaries: For eligible students who meet academic and household income criteria (especially for TVET and university students).
  • Loans: For students who do not meet all bursary criteria or who are pursuing postgraduate qualifications not funded under bursary schemes.

✅ Who Qualifies for an NSFAS Loan?

To qualify for an NSFAS loan (especially for postgraduate students or programs not funded under the bursary system), you must:

  • Be a South African citizen.
  • Be financially needy, with a household income of less than R350,000 per year.
  • Have a valid South African ID.
  • Be enrolled or accepted to study at a public university or TVET college.
  • Not be funded through another bursary program that covers all expenses.
  • Maintain satisfactory academic progress (returning students).

📚 Courses Funded by NSFAS

NSFAS primarily funds undergraduate qualifications, but certain postgraduate programs (e.g., PGCE, postgraduate diplomas in education, and professional courses like LLB) may be considered under the NSFAS loan scheme, not bursaries.

If you’re studying:

  • Undergraduate degree or diploma: You are likely eligible for a full NSFAS bursary.
  • Postgraduate study: You may qualify for a loan, depending on the course and funding availability.

📄 Required Documents for NSFAS Application

When applying, make sure you have the following documents scanned and ready:

  1. Certified copy of your South African ID or Smart Card.
  2. Parent(s) or guardian(s) ID documents.
  3. Proof of income (latest payslips, UIF, or affidavit if unemployed).
  4. Consent Form signed by your parent(s)/guardian(s) to allow NSFAS to verify income.
  5. Proof of registration or acceptance at a public institution.
  6. Academic transcripts (for continuing or postgraduate students).

🖥️ How to Apply for an NSFAS Loan Online

Step-by-Step NSFAS Online Application Process (2025)

  1. Visit the NSFAS Website

    Go to: https://www.nsfas.org.za

  2. Create an Account

    • Click on “MyNSFAS” and register your profile.
    • You’ll need a valid email address and South African cellphone number.
    • Choose a strong password and verify your account via email or SMS.

  3. Login and Start the Application

    • After registration, log in to your MyNSFAS account.
    • Click on “Apply” to begin a new application.

  4. Fill in Your Personal Details

    • Input your ID number, name, surname, and other details exactly as they appear on your ID.
    • Provide household income information and living arrangements.

  5. Upload Required Documents

    • Upload all supporting documents in PDF or JPEG format.
    • Each document must be clear and under the size limit specified.

  6. Submit Your Application

    • Review your application for accuracy.
    • Click “Submit” and wait for a confirmation message.

  7. Track Your Application

    • Log in regularly to check your application status.
    • You will be notified via SMS and email at each stage of the process.

🗓️ Important NSFAS Dates (2025)

  • Application Opening Date: September 1, 2025
  • Application Deadline: January 31, 2026
  • Appeals Period: February 2026 (if rejected)
  • Disbursement: After registration and approval

Note: Dates are subject to change; always confirm on the official NSFAS website.

💸 What Does the NSFAS Loan Cover?

NSFAS funding typically includes:

  • Tuition fees
  • Registration fees
  • Accommodation (if living away from home)
  • Meals and transport
  • Learning materials (e.g., textbooks)

For loans, repayment is only required once you start working and earn above a threshold (around R30,000 annually, but subject to change).

🔄 NSFAS Loan Repayment

Repayments are:

  • Income-contingent – you only repay when you can afford to.
  • Administered by DHET (Department of Higher Education and Training).
  • Interest-bearing, but interest rates are low and favorable.

You can also apply for a partial loan conversion to a bursary if you perform well academically.

🔁 How to Appeal a Rejected NSFAS Application

If your application is rejected, you may submit an appeal via your MyNSFAS portal:

  1. Log into your MyNSFAS account.
  2. Click on “Track Funding Progress”.
  3. If rejected, click on “Submit Appeal”.
  4. Upload any missing or corrected documents.
  5. Provide a clear explanation or motivation.

📱 NSFAS Contact Information

📝 Final Tips Before Applying

  • Apply early to avoid system overload near the deadline.
  • Use your own email and cellphone number (do not use someone else’s).
  • Double-check that all your documents are certified and legible.
  • Keep a copy of your submission confirmation for reference.

By following this guide, you can confidently apply for NSFAS funding and move one step closer to achieving your academic and career dreams—without the burden of immediate financial pressure.

 

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