Self-employed
Shop owners, businesses, freelancers — choose your own base and contribute 31%.
🧮 Your contribution breakdown
Enter your base amount and see exactly how much goes to pension, gratuity, and insurance.
Total monthly contribution (31%)
Rs. 6,200
Paid by yourself (of the chosen base): Rs. 6,200 (31%)
Rs. 3,200
Pension fund (minimum)
Lifelong monthly pension after 60 (÷160)
Rs. 2,000
Retirement benefit fund
Lump sum when contribution ends
Rs. 1,000
Insurance protection
Medical + accident + dependent family
🛡️ Insurance portion — what it covers
💡 You can choose a base from the minimum wage up to 3× — more is allocated to insurance than in the formal sector.
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 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.