Set your basic monthly salary and the calculator instantly splits your Social Security Fund contribution: the 11% taken from your pay, the 20% your employer adds on top, and how that 20% flows into the four SSF schemes — medical, accident, life cover and pension.
Basic salary & contribution split
SSF is charged on basic pay only — allowances stay outside the base.
Employee 11% · Employer 20% of basic salary
Monthly & annual SSF breakdown
The headline rate is easy to remember — 11% from you and 20% from your employer — but the rupee figures are where it gets useful. The table below converts those percentages into actual money, both per month and across a full year.
| Contribution | Rate | Monthly (NPR) | Annual (NPR) |
|---|---|---|---|
| Employee | 11% | — | — |
| Employer | 20% | — | — |
| Total SSF pool | 31% | — | — |
Where the employer's 20% goes
SSF is not a single account — the employer's 20% is divided among four separate protection schemes, each funding its own benefit. The lion's share goes to pension, while the remainder pays for the insurance-style cover.
| Scheme | Rate | Monthly (NPR) | Annual (NPR) |
|---|---|---|---|
| Medical, health & maternity | 1% | — | — |
| Accident & disability | 1.4% | — | — |
| Dependent family (life cover) | 0.27% | — | — |
| Old age pension | 17.33% | — | — |
SSF compared with the old EPF
The earlier EPF was a plain retirement-savings vehicle — handy, but limited in scope. SSF carried over the savings element and stacked a full insurance layer on top of it, which is precisely why the employer's share climbed from 10% to 20%.
| Aspect | Old EPF | SSF (current) |
|---|---|---|
| Employee contribution | 10% | 11% |
| Employer contribution | 10% | 20% |
| Total | 20% | 31% |
| Medical cover | 1% | |
| Accident & disability | 1.4% | |
| Life cover | 0.27% | |
| Old age pension | Savings only | 17.33% |
| Employer share on your pay | — | — |
About the Social Security Fund
The SSF is Nepal's statutory contributory programme, established under the Social Security Act 2074 together with the Social Security Regulations 2075, and administered by the Social Security Fund under the Ministry of Labour, Employment and Social Security. Registration is mandatory for staff working under registered formal-sector employers.
- Mandatory for employees of registered formal-sector organisations
- Charged on basic salary only — allowances are not counted
- 11% comes from the employee, 20% from the employer
- Bundles medical, accident, life cover and pension into one scheme
The four benefit schemes
- Medical, health & maternity (1%): inpatient and outpatient treatment along with maternity support for the contributor and family.
- Accident & disability (1.4%): compensation for workplace accidents and temporary or permanent disability, including rehabilitation.
- Dependent family / life cover (0.27%): a lump-sum payment to nominees should the contributor pass away.
- Old age pension (17.33%): a monthly pension on retirement, scaled to the contributions accumulated.
Rates follow Social Security Act 2074 and Regulations 2075. Always confirm the latest scheme rules at ssf.gov.np.
Frequently asked questions
Your Trusted Legal & Notary Partner in Nepal Notary Kathmandu is a premier provider of notary services, legal documentation, and multilingual translation solutions, now proudly managed by Alpine Law Associates. Our mission...
Read More about us