Last updated: July 2026 (Shrawan 2083). Deposit procedures and deadlines follow current SSF rules — verify on ssf.gov.np/employer notices.

Registration त भयो — अब हरेक महिना के? For employers and HR teams, the real SSF work is the monthly contribution deposit cycle: calculating on the right base, depositing on time, and keeping records clean enough to survive any future dispute. This is the operations guide (registration itself is covered in our employer registration guide).

The Monthly Cycle at a Glance

1. Calculate — 31% of each enrolled worker’s basic salary: 11% deducted from the worker, 20% employer’s share (component breakdown).
2. Declare — file the month’s contribution detail in the SSF employer portal (worker list, bases, amounts).
3. Deposit — pay the total through the listed banks/payment channels within the deadline for the month.
4. Verify — confirm the deposit reflects in the system, worker by worker; keep the voucher/reference.

Getting the Base Right (Where Employers Go Wrong)

• Basic salary, not gross: allowances/bonus/overtime are excluded. But “basic” must be genuine — see next point.
• Minimum-wage floor: with FY 2082/83’s minimum at Rs 19,550, bases below the lawful structure invite compliance findings (this year’s changes).
• New joiners/leavers mid-month: pro-rate per the rules; record joining/exit dates in the system promptly — exits left open block workers’ later claims (why it matters to them).

Deadlines and What Late Costs

Contributions are due within the timeframe SSF sets after each salary month. Late or missed deposits expose the employer to interest/penalties and legal liability — and if amounts were already deducted from salaries, non-deposit becomes a serious violation workers can escalate (they increasingly do — our worker-side guide teaches them exactly how). The cheapest compliance strategy is boring: same date every month, one owner, one checklist.

The Employer’s Monthly Checklist

• ✅ Payroll locked → bases verified against contracts/minimum wage
• ✅ New hires enrolled with SSN before first payroll (SSN guide)
• ✅ Exits recorded with correct dates
• ✅ Declaration filed; total matches payroll register
• ✅ Deposit made + reference saved
• ✅ System shows month posted for every worker

Records That Save You Later

Keep per-month: payroll register, declaration copy, deposit voucher, and the posted-confirmation. Disputes (worker claims, audits, labour office queries) are won by whoever has the cleaner paper trail — and claims by your workers fail on your gaps (rejection reasons), which is both a legal and a moral problem.

FAQ

What percentage does an employer pay to SSF?

20% of each worker’s basic salary (PF 10% + gratuity 8.33% + other 1.67%), on top of the 11% deducted from the worker.

Can we pay SSF quarterly instead of monthly?

The cycle is monthly — follow the deadline for each salary month. Batching invites penalties and worker-side gaps.

An employee refuses SSF deduction. Can we skip them?

Coverage under the Act isn’t optional per individual preference (mandatory rules) — enroll per the law and point them to the benefits guides.

We fell behind several months. What now?

Regularize proactively: file and deposit the arrears with applicable charges before workers or audits force it — voluntary correction always lands softer.

Disclaimer: Digital Solution Nepal is an independent educational/digital-service assistance website, not a government body. Deposit deadlines, penalty rates and portal flows follow current SSF rules — ssf.gov.np is final.

Written by

Rabin Paudel

Rabin Paudel is the Founder of Digital Solution, a Content Creator, and an AI Trainer. He shares practical and easy-to-understand content on Artificial Intelligence, Digital Literacy, Online Services, FinTech, and Technology. His mission is to make technology simple, accessible, and useful for everyone.

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