🤝 Employees & Employers

Who must contribute to SSF? How does registration work?

SSF registration is mandatory for all formal-sector employers and their workers — new employees must be registered within 3 months. Workers in the informal sector, the self-employed, and those in foreign employment can join voluntarily.

SSF for Informal-Sector Workers — Complete Guide

Workers in informal sectors such as agriculture, domestic work, and daily-wage labour only need to pay 11% of the minimum basic wage — the Government of Nepal adds 9.37% (total 20.37%). This is Nepal's most affordable social security: it covers medical treatment, accidents, family protection, and an old-age pension.

SSF Guide for the Self-Employed (shop owners, businesses, freelancers)

If you run your own shop or business or work as a freelancer, you can choose your own contribution base — from the minimum wage up to 3 times that amount — and contribute 31% of it. The bigger the base, the bigger the pension. For people with no employer, SSF is the only organized social security available.

Employer's Monthly SSF Compliance Guide (for HR)

A registered employer must file the payroll declaration and deposit the 31% contribution within 25 days of the end of each Nepali month. Late deposits attract 10% interest, and non-payment can lead to frozen accounts, suspended licenses, and even withheld passports — this guide covers HR's full monthly routine.