Kokil Thapa is an experienced full-stack web developer focused on building fast, secure, and scalable web applications. He helps businesses and individuals create SEO-friendly, user-focused digital platforms designed for long-term growth.
SSF is calculated on basic salary only — allowances excluded · Social Security Act 2074
| Contribution | Rate | Monthly (NPR) | Annual (NPR) |
|---|---|---|---|
| Employee | 11% | — | — |
| Employer | 20% | — | — |
| Total SSF | 31% | — | — |
| SSF Scheme | Rate | Monthly (NPR) | Annual (NPR) |
|---|---|---|---|
| Medical, Health & Maternity Protection | 1% | — | — |
| Accident & Disability Protection | 1.4% | — | — |
| Dependent Family Protection (Life Insurance) | 0.27% | — | — |
| Old Age Pension | 17.33% | — | — |
| Aspect | Old EPF | SSF (Current) |
|---|---|---|
| Employee Contribution | 10% | 11% |
| Employer Contribution | 10% | 20% |
| Total | 20% | 31% |
| Medical Coverage | 1% | |
| Accident & Disability | 1.4% | |
| Life Insurance | 0.27% | |
| Old Age Pension | Basic savings only | 17.33% |
| Employer's share (your salary) | — | — |
The Social Security Fund (SSF) is Nepal's mandatory contributory social security scheme governed by the Social Security Act 2074 (2017 AD) and Social Security Regulations 2075. It is administered by the SSF under the Ministry of Labour, Employment and Social Security.
Rates as per Social Security Act 2074 and Social Security Regulations 2075. Always verify current rates at ssf.gov.np.
SSF (Social Security Fund) is Nepal's mandatory contributory social security scheme introduced under the Social Security Act 2074. It is compulsory for employees in the formal/organized sector and provides four benefit schemes: medical and health protection, accident and disability coverage, life insurance for dependent family, and old age pension. The fund is managed by the Social Security Fund (ssf.gov.np).
Total SSF contribution is 31% of basic salary: 11% from the employee and 20% from the employer. The employer's 20% is distributed across four schemes — Medical and Health (1%), Accident and Disability (1.4%), Dependent Family/Life Insurance (0.27%), and Old Age Pension (17.33%).
SSF is calculated on basic salary only. Allowances such as house rent, dearness allowance, medical allowance, travel allowance, and other benefits are excluded from the SSF contribution base. Only the core basic/base salary figure is used for computing both the 11% employee and 20% employer contributions.
SSF provides four main benefit schemes: (1) Medical, Health & Maternity — covers hospitalization and maternity care; (2) Accident & Disability — compensation for workplace accidents; (3) Dependent Family Protection — life insurance/death benefit for nominees; (4) Old Age Pension — monthly pension after retirement. See ssf.gov.np for full details.
EPF (Employees' Provident Fund) was the old system: 10% employee + 10% employer = 20% total. SSF replaced EPF under Social Security Act 2074, raising total contribution to 11% + 20% = 31% of basic salary. SSF provides much broader coverage including medical, accident, life insurance, and pension — whereas EPF was primarily a retirement savings/provident fund without multi-scheme protection.
© Kokil Thapa 2026 | All Rights Reserved