Formal sector
Salaried employees at a company/organization — mandatory registration via the employer.
🧮 Your contribution breakdown
Enter your base amount and see exactly how much goes to pension, gratuity, and insurance.
Total monthly contribution (31%)
Rs. 9,300
From the worker's salary (deducted): Rs. 3,300 (11%) · Added by the employer: Rs. 6,000 (20%)
Rs. 6,000
Pension fund
Lifelong monthly pension after 60 (÷160)
Rs. 2,499
Gratuity / retirement fund
Lump sum when the job ends or at retirement
Rs. 801
Insurance protection
Medical + accident + dependent family
🛡️ Insurance portion — what it covers
💡 31% of basic salary — of the worker's 11%, 10% already went to the Provident Fund, so the new burden is only 1%.
Preliminary educational estimate; final figures follow official SSF rules.
📖 Guides for you
What is the Social Security Fund (SSF)?
The Social Security Fund (SSF) is an autonomous body established under Nepal's Contribution Based Social Security Act, 2074. Once workers and employers make monthly contributions, contributors receive protection through four schemes — medical treatment, accident, dependent family, and old age. The core principle: no contribution, no benefit.
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.
How are employee and employer contributions calculated?
31% of the basic salary is deposited into SSF — 11% is deducted from the worker's salary (Provident Fund 10% + Social Security Tax 1%) and the employer adds 20% (Provident Fund 10% + Gratuity 8.33% + other 1.67%). Allowances, bonuses, and overtime are not subject to contribution.
Where does the 31% deposited in SSF go?
The 31% splits across four schemes (5th Amendment, effective Baisakh 1, 2082): medical & maternity 1.20%, accident & disability 0.80%, dependent family 0.67%, and the largest share — 28.33% — goes into your own old-age account (pension 20% + retirement benefit 8.33%).
Complete Guide to SSF Pension and Retirement Benefits
A contributor who reaches 60 years of age and has contributed for at least 180 months (15 years) receives a lifelong monthly pension — formula: (total amount in the pension account + investment returns) ÷ 160. The Retirement Benefit Scheme amount (8.33%) is paid as a lump sum when employment ends or at retirement.
What happens to your SSF contribution after you leave a job?
The Retirement Benefit Scheme amount (8.33% + voluntary additions + transferred amounts) is paid as a lump sum when employment ends. The Pension Scheme amount (20%) comes as a monthly pension after age 60. If you join a new SSF-registered employer, contributions continue on the same SSN.