SSF Guide for the Self-Employed (shop owners, businesses, freelancers)
Short answer:
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.
विषयसूची
- Contribution and allocation
- How big a base should you choose? (Strategy)
- Common mistakes
Contribution and allocation
Choose your own base amount — from the minimum basic wage up to a maximum of 3 times that. You contribute 31% of the chosen base every month (Procedure 2079, section 5b).
| Scheme | Allocation |
|---|---|
| Medical treatment, health, and maternity | 2.4% |
| Accident and disability | 0.80% |
| Dependent family | 1.80% |
| Old age (at least 16% into the pension scheme) | 26% |
💡 Compared with the formal sector, more is allocated to treatment (2.4% vs 1.20%) and family protection (1.80% vs 0.67%) — because the self-employed have no employer-provided safety net.
[उदाहरण]How big a base should you choose? (Strategy)
- Small base = lower monthly burden, but a smaller pension — start here if your business is unstable
- Large base (3×) = a pension fund 3 times bigger — choose this if your income is stable
- You can raise or lower the base later — compare both scenarios in the Financial Planner
- With 180 months (15 years) of contributions you get a lifelong pension from age 60 — starting late pushes that eligibility further away
[सामान्य गल्ती]Common mistakes
- Contributing irregularly — the medical treatment benefit only applies if you have contributed '3 of the last 6 months' regularly
- Assuming business registration and SSF listing are the same thing — SSF requires a separate registration
- Not reusing your old SSN when moving from a job to self-employment — your SSN is the same for life, never create a new one
📺 सम्बन्धित भिडियो
सम्बन्धित FAQ
📜 आधिकारिक स्रोत
- अनौपचारिक क्षेत्रका श्रमिक र स्वरोजगारमा रहेका व्यक्तिको योजना सञ्चालन कार्यविधि, २०७९ (१म संशोधनसहित) (२०७९।०८।२५)
कानुनी प्रयोजनका लागि सधैँ मूल दस्तावेज र पछिल्ला संशोधन हेर्नुहोस्। दर र सीमा संशोधनद्वारा परिवर्तन हुन सक्छन्।
यो सामग्री शैक्षिक प्रयोजनका लागि हो; अन्तिम स्वीकृति र सुविधा आधिकारिक SSF नियमबमोजिम हुन्छ। पुरानो जानकारी भेटिए यहाँ रिपोर्ट गर्नुहोस्।