Social Security Fund (SSF) Registration in Nepal
The Social Security Fund (SSF) in Nepal is a transformative scheme introduced by the Government of Nepal to secure the future of private-sector workers. With rising interest from employers and employees alike, understanding how SSF works, who it applies to, and how to register is essential for compliance and long-term benefits.
This guide offers a complete overview for those looking to register for SSF in Nepal and make the most of its financial and social benefits.
A. What is the Social Security Fund in Nepal?
The Social Security Fund (SSF) is a government-managed financial scheme established to provide comprehensive social protection to formal-sector workers in Nepal. It covers four major security areas:
Medical Treatment, Health & Maternity Protection
Accident and Disability Protection
Old Age Protection
Dependent Family Protection
The SSF operates under the Contribution-Based Social Security Act, 2017, and ensures that employees in the private sector receive similar benefits to those in government service, aiming to promote a safe and equitable work environment.
B. When Was the Social Security Fund Established in Nepal?
The SSF was formally launched in November 2018, though its legal foundation dates back to the Social Security Act passed in 2017 (2074 B.S.). Since then, the government has mandated that employers and employees in the formal private sector contribute to the fund to strengthen social security for all.
C. How to Apply for Social Security Fund in Nepal
The process to register for SSF in Nepal is straightforward or easy process. Here’s how employers and employees can proceed:
For Employers:
Visit the SSF Portal:
Go to the official SSF website.Create an Employer Account:
Register your company by submitting your PAN/VAT number, company details, and contact information.Receive Employer Code:
Once the SSF verifies your application, you’ll get an Employer Registration Number (ERN).Add Employees:
Upload employee details including Citizenship Number, Date of Birth, Salary Info, and Bank Account.Begin Contribution:
You can begin monthly contributions through the online portal by generating Electronic Contribution Vouchers (ECVs).
For Employees:
Employees are automatically registered once their employer includes them in the system. However, employees can:
Log into SSF Account:
Using the Personal Identification Number (PIN) provided by the employer, employees can log into their SSF dashboard.Update Personal Details:
Verify and update personal data and beneficiary details.
D. How Much SSF is Deducted from Salary in Nepal?
The total SSF contribution is 31% of an employee’s basic salary, distributed as follows:
| Contributor | Percentage | Purpose |
|---|---|---|
| Employer | 20% | Covers accident, dependent, retirement, etc. |
| Employee | 11% | Added to the retirement/pension fund |
This amount is deposited monthly to the SSF account of the employee.
E. Can I Withdraw Money from SSF in Nepal?
Yes, under certain conditions:
Old Age Pension: Withdrawals start at age 60, provided the member has contributed for at least 15 years.
Medical & Maternity: Partial withdrawals are allowed for approved medical expenses and maternity care.
Accident or Disability: Coverage includes hospital bills, rehabilitation, and even a monthly pension in case of permanent disability.
However, general withdrawals like EPF (Employees Provident Fund ) are not allowed, as SSF is structured to provide long-term financial protection.
F. How Do I Check My SSF Details?
You can view your personal SSF account status through:
Official Website:
Log in at ssf.gov.np using your PIN.SSF Mobile App:
Download the app from the Play Store or App Store and log in to check:
- Contribution history
- Benefit status
- Claim status
3. Employer Dashboard:
Employers can also track contributions and update employee data in real time.
G. How Much Interest Does SSF Give?
The interest rate on contributions is set annually by the Social Security Fund Committee. As of 2025:
Pension Fund Interest Rate: 9.75% annually
Medical and Accident Fund: Managed with capital preservation and benefit allocation in mind
Interest is compounded annually and is credited automatically to the employee’s SSF account.
H. How Do I Get a SSF Certificate?
You can obtain a Social Security Registration Certificate by following these steps:
Log into the Employer/Employee Portal
Navigate to the “Reports” or “Certificate” section
Download or print your SSF Certificate
This certificate is often required for visa applications, government tenders, and employer compliance audits.
I. Conclusion
The Social Security Fund SSF in Nepal is not just a policy it’s a financial safety net designed to support private-sector employees through health emergencies, retirement, and unexpected life events. By registering with SSF, both employers and employees ensure a secure and responsible working environment aligned with modern welfare standards. With its long-term benefits and government backing, SSF stands as a cornerstone for labor welfare in Nepal’s economic future.
How can I register my SSF online in Nepal?
Firstly, visit website ssf.gov.np, then register as an employer or employee, and follow the step-by-step instructions to submit your application and documents.
Is Social Security Fund applicable for all companies?
Yes, all formal-sector companies registered under the Government of Nepal are mandated to participate in SSF.
Are foreign workers eligible for SSF?
No. SSF is only applicable to Nepali citizens. Foreigners working in Nepal are not covered under this scheme.
What happens if my company doesn't register?
Non-compliance can result in fines, loss of government benefits, and even licensing issues.
Can self-employed professionals register?
Currently, SSF is designed for salaried workers, but policies may evolve to include self-employed professionals in the future.