Social Security Fund (SSF) in Nepal 2026: Contribution, Benefits & Registration

Nepal's Social Security Fund (SSF) was established under the Contribution Based Social Security Act, 2074 (2017) to provide social protection for formal sector workers. Since its full implementation, SSF has become mandatory for all registered businesses in Nepal.

This guide covers the current contribution rates, benefits employees receive, registration process for employers, and common questions about the SSF system in Nepal.

The Social Security Fund is a government-managed social insurance scheme that provides financial protection to employees against risks such as illness, accidents, disability, maternity, old age, and unemployment. It is administered by the Social Security Fund Secretariat under the Ministry of Labour, Employment and Social Security.

All businesses registered in Nepal with one or more employees are required to enroll their workers in SSF. Both the employer and the employee contribute a percentage of the employee's basic salary to the fund.

Employee Contribution: 11% of basic salary — deducted from the employee's monthly pay.

Employer Contribution: 20% of basic salary — paid by the employer on top of the salary.

Total Contribution: 31% of basic salary goes into the SSF system per employee per month. The employer's contribution is a business expense and is tax-deductible.

Medical Treatment Scheme: Covers medical expenses for workplace-related illnesses, outpatient care, hospitalization, and prescribed medications up to a defined ceiling.

Health & Maternity Protection: Female employees receive paid maternity leave benefits and medical coverage for childbirth. Male employees receive paternity benefits.

Accident & Disability: Compensation for workplace accidents, temporary or permanent disability, and occupational diseases.

Old Age (Provident Fund): Retirement savings accumulated from monthly contributions, payable as a lump sum or pension upon retirement.

Dependent Family Protection: Financial support for dependents in case of the employee's death during employment.

Unemployment: Limited unemployment benefits for workers laid off from formal employment.

Step 1: Register your business at the SSF online portal (ssf.gov.np). You will need your company registration certificate, PAN certificate, and details of all employees.

Step 2: Enroll each employee by submitting their citizenship certificate, photograph, and bank account details.

Step 3: Begin making monthly contributions by the 15th of each month. Contributions can be paid through bank transfer or online payment portals.

Step 4: File quarterly returns showing employee details, salaries, and contributions paid.

Late registration or non-compliance can result in penalties including fines and legal action. Employers must register within 30 days of hiring their first employee.

NotaryIn assists businesses with document notarization required for SSF registration and compliance — including notarized employment contracts, salary certificates, company registration document certification, and translated documents for foreign-employed workers. Contact us for a free consultation.