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.

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.

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.

View all posts by Rabin Paudel →