Informal sector
Agriculture, domestic work, daily wage — you pay just 11%, the government adds 9.37%.
🧮 Your contribution breakdown
Enter your base amount and see exactly how much goes to pension, gratuity, and insurance.
Total monthly contribution (20.37%)
Rs. 2,479
Worker's own share: Rs. 1,339 (11%) · Added by the Government of Nepal: Rs. 1,140 (9.37%)
Rs. 1,217
Old-age protection
Goes into pension / retirement savings
Rs. 1,262
Insurance protection
Medical + accident + dependent family
💡 The worker pays only 11% of the minimum wage; the government adds 9.37% — Nepal's most affordable social security.
Preliminary educational estimate; final figures follow official SSF rules.
📖 Guides for you
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.
Health Protection: Government Health Insurance vs SSF Medical Benefit — Which Is Better?
There is no single universal answer. Government Health Insurance is family-centric, low-cost, and accessible to ordinary citizens; SSF is contributor-centric and provides pension, accident, disability, and dependent-family protection alongside treatment. Choose based on your employment, income, family, and health needs — for many families, keeping both together is the most practical option.