SSF for Informal-Sector Workers — Complete Guide
Short answer:
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.
✨ Highlights
- ✔The worker pays only 11%; the government adds 9.37% (total 20.37%).
- ✔Covers treatment, accidents, family protection, and an old-age pension.
- ✔Nepal's most affordable organized social security.
- ✔Easy registration with citizenship/ID and a photo.
Table of contents
- Contribution: you pay 11%, the government 9.37%
- What benefits do you get?
- How to register?
Contribution: you pay 11%, the government 9.37%
| Item | Rate |
|---|---|
| Worker's own contribution (of the minimum wage) | 11% |
| Added by the Government of Nepal | 9.37% |
| Total contribution | 20.37% |
| → Medical + accident + dependent family | 10.37% |
| → Old-age security | 10% |
💡 If the government (federal, provincial, or local) does not deposit the 9.37% or deposits less, the worker can still participate by topping up the remaining amount themselves (Procedure 2079, section 5).
[Eligibility]What benefits do you get?
- Medical treatment: inpatient care up to Rs. 100,000/year; OPD up to Rs. 25,000/year (20% co-payment)
- Maternity: 1 month's minimum wage per child; female contributors get a maternity benefit of 60% of pay for 98 days
- Accident: hospital treatment up to Rs. 700,000; lifelong monthly pension in case of permanent disability
- Dependent family: spouse receives 40% of the minimum wage for life; education stipend for up to 2 children; funeral costs
- Old age: same as the formal sector — a lifelong monthly pension of (deposits + returns) ÷ 160
Eligibility: for treatment/maternity/accident, at least 3 months of contributions within the last 6; for funeral costs, just 1 month within the last 6 is enough.
[Process]How to register?
- Prepare your citizenship / national ID and a photo
- Apply via sosys.ssf.gov.np or your nearest labour office
- Within 35 days you receive an ID card with an 11-digit SSN
- Deposit your monthly contribution via bank or wallet
📺 Related videos
📜 Official sources
- अनौपचारिक क्षेत्रका श्रमिक र स्वरोजगारमा रहेका व्यक्तिको योजना सञ्चालन कार्यविधि, २०७९ (१म संशोधनसहित) (२०७९।०८।२५)
- रोजगारदाता र श्रमिकको सूचीकरण सम्बन्धी कार्यविधि, २०७५ (२०७५)
For legal purposes always consult the original documents and latest amendments. Rates and limits can change through amendments.
This content is for educational purposes; final approval and benefits follow official SSF rules. Found outdated information? Report it here.