Last updated: July 2026 (Shrawan 2083). Short answers with links to full guides. Rules change — ssf.gov.np is final.
Two weeks of deep SSF guides, condensed: the 25 questions Nepalis actually ask about the Social Security Fund, each answered in a few lines with the full guide linked. Bookmark this — it’s the index to the whole cluster, plus the free tools on our SSF School portal.
Basics
1. What is SSF?
The Social Security Fund under the Contribution-Based Social Security Act 2074 — monthly contributions buy protection through four schemes (medical, accident, dependent family, old age). Core principle: no contribution, no benefit.
2. Is SSF mandatory?
For covered employers and workers, yes — who’s covered and deadlines.
3. What is my SSN and how do I find it?
Your permanent Social Security Number — how to get/find it.
4. SSF vs EPF vs CIT — what’s the difference?
Different instruments: SSF = insurance + pension, EPF = provident fund, CIT = voluntary investing — full comparison.
Money In
5. How much is deducted from my salary?
11% of basic (PF 10% + SST 1%); your employer adds 20% — the 31% breakdown.
6. Where does the 31% go?
Medical 1.20% + accident 0.80% + dependent 0.67% + your old-age account 28.33% (5th Amendment rates).
7. Is contribution on basic or gross salary?
Basic only — allowances/bonus/overtime excluded.
8. What changed in FY 2082/83?
Minimum wage Rs 19,550, adjusted tax slabs, foreign contribution ≈ Rs 2,596/month — the changes.
9. What interest does SSF pay?
Recently revised 3.60% → 3.20% — impact explained.
Money Out
10. When do I get a pension?
Age 60 + 180 contributed months → lifelong monthly pension = (pot + returns) ÷ 160 — formula + examples.
11. What happens to my money when I leave a job?
8.33% pot claimable as lump sum; 20% pension pot waits for 60; SSN continues with new employers — scenarios.
12. Can I withdraw everything and quit SSF?
No — the pension share is locked by design; the retirement-benefit share is the claimable part at employment end.
13. What medical benefits do I get?
Treatment and maternity protection per scheme terms — medical benefits guide; also see SSF vs government health insurance.
14. What does my family get if something happens to me?
Dependent-family scheme protection — and it pays your registered nominees, so keep them updated (KYC + nominee guide).
Problems
15. My claim was rejected. Now what?
Read the stated reason, fix, resubmit — 10 reasons and fixes here; disputed rejections → Labour Court within 35 days.
16. Employer deducted but didn’t deposit — what can I do?
Document, complain internally in writing, then SSF, then labour office — the escalation ladder.
17. How do I check my balance/statement?
Online in 2 minutes — or via the mobile app / SOSYS portal.
18. Why is KYC such a big deal?
No verified KYC = stalled claims and payouts — complete it in one sitting.
Special Situations
19. I’m a freelancer — can I join?
Yes, the self-employed provision — how it works.
20. I’m a daily-wage/informal worker — am I covered?
The informal-sector provision covers you — guide.
21. I work abroad — how much and why?
≈Rs 2,596/month minimum (21.33%); 7.48% protects your family in Nepal, 13.85% builds your pension — the numbers and the complete guide.
22. I run a company — what’s my monthly duty?
Calculate on true basics, declare, deposit on deadline, verify postings — employer operations guide and registration.
Planning
23. How much pension will I actually get?
Run your salary through the SSF Financial Planner — free, no login.
24. Is SSF alone enough for retirement?
Treat it as the floor: employer match + insurance + lifelong pension. Build investments on top — compare with the SIP calculator.
25. Where do I learn all this in Nepali, in one place?
SSF School — ssf.digitalsolutionnepal.com: guides, videos, calculators, and the 1-minute “how much do you need SSF?” assessment.
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Disclaimer: Digital Solution Nepal is an independent educational/digital-service assistance website, not a government body. Short answers simplify — rules change; ssf.gov.np is final.
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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