Drag the slider to your basic monthly salary and the calculator works out your 11% employee share, your employer's 20% contribution, and how that 20% flows into the four SSF schemes — medical, accident, life cover and pension.
SSF runs on basic pay — allowances are excluded
The headline is simple — 11% from you, 20% from your employer — but the numbers get more interesting once you look at what the 20% actually buys. Here's the split in money, month by month and over a full year.
| Contribution | Rate | Monthly (NPR) | Annual (NPR) |
|---|---|---|---|
| Employee | 11% | — | — |
| Employer | 20% | — | — |
| Total SSF pool | 31% | — | — |
SSF isn't one pot — the employer's 20% is split across four protection schemes, each with its own benefit. Pension eats most of it; the rest funds the insurance-style safety net.
| Scheme | Rate | Monthly (NPR) | Annual (NPR) |
|---|---|---|---|
| Medical, health & maternity | 1% | — | — |
| Accident & disability | 1.4% | — | — |
| Dependent family (life cover) | 0.27% | — | — |
| Old age pension | 17.33% | — | — |
EPF was a straight retirement-savings setup — useful, but narrow. SSF kept the savings idea and bolted a proper insurance layer on top, which is why the employer share jumped from 10% to 20%.
| Aspect | Old EPF | SSF (current) |
|---|---|---|
| Employee contribution | 10% | 11% |
| Employer contribution | 10% | 20% |
| Total | 20% | 31% |
| Medical cover | 1% | |
| Accident & disability | 1.4% | |
| Life cover | 0.27% | |
| Old age pension | Savings only | 17.33% |
| Employer share on your pay | — | — |
The SSF is Nepal's statutory contributory scheme, set up under the Social Security Act 2074 and the Social Security Regulations 2075, and run by the Social Security Fund under the Ministry of Labour, Employment and Social Security. Enrolment is mandatory for employees of registered organised-sector employers.
Rates follow Social Security Act 2074 and Regulations 2075. Always check ssf.gov.np for the current scheme rules.
It's Nepal's statutory contributory social-security scheme, brought in under the Social Security Act 2074 and managed by the Social Security Fund (ssf.gov.np). Enrolment is compulsory for employees in the organised sector and the fund provides four categories of protection — health, accident, life cover for dependants and a retirement pension.
In total, 31% of basic salary — split as 11% from the employee and 20% from the employer. The employer's share is further distributed across Medical and Health (1%), Accident and Disability (1.4%), Dependent Family (0.27%) and Old Age Pension (17.33%).
Off basic salary only. Allowances — house rent, dearness, medical, travel, and any other add-ons — do not feed into the SSF base. Both the 11% employee and 20% employer contributions apply to the same basic figure.
Four benefits: (1) medical, health & maternity — hospital and maternity care; (2) accident & disability — payouts for workplace injuries; (3) dependent family protection — life cover for nominees; (4) old age pension — monthly pension after retirement. Full eligibility detail is on ssf.gov.np.
EPF was a 10% + 10% (20%) retirement-savings pot. SSF replaced it under Act 2074 and raised the total to 11% + 20% (31%), but in exchange the scheme now pays for medical care, workplace accidents, life cover and a proper pension. EPF simply wasn't designed to do any of that.
