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SSF Nepal: Benefits, Contribution, Login, Withdrawal & Loans (2026)

Quick answer: SSF (Social Security Fund, Samajik Suraksha Kosh) is Nepal's government-run social security scheme for workers. Every month, 31% of your basic salary goes into it: 11% from you and 20% from your employer. In return you get medical and maternity cover, accident and disability protection, support for your family if you die, and money for old age, either as a monthly pension (after 180 months of contributions and age 60) or as savings you can partly withdraw or borrow against. You manage everything online at sosys.ssf.gov.np using your SSF ID.

What is SSF in Nepal?

The Social Security Fund is a government body that runs Nepal's contribution-based social security system. The fund was set up in 2011, but the scheme most people know today, where employers and employees contribute every month, started on 27 November 2018 (Mangsir 11, 2075).

Before SSF, private-sector workers in Nepal had almost no safety net. If you got sick, had an accident at work, or retired, you mostly depended on savings and family. SSF was created to change that, starting with formal-sector jobs.

It has grown fast. By November 2025, SSF had 2.64 million contributors and 22,309 listed employers, had collected about Rs 95.44 billion, and had paid out around Rs 17.64 billion in benefits, including Rs 14.6 billion in retirement claims and Rs 2.51 billion in medical expenses (The Himalayan Times).

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Who must join SSF?

Who	Is SSF required?
Private-sector employees covered by the Labour Act 2074 (full-time, part-time, time-bound)	Yes, mandatory
Employers (companies, firms, NGOs, schools, hospitals with staff)	Yes, they must register and enroll workers
Foreign nationals working in Nepal	Yes, they can participate
Nepalis working abroad (migrant workers)	Yes, a dedicated scheme has existed since 2023
Self-employed and informal-sector workers	Can join voluntarily through the self-contributor route
Government civil servants	Generally covered by separate government schemes, not this one

For business owners: if you hire even one employee, you are expected to register with SSF and deposit contributions monthly. Late deposits attract interest and penalties. If you're just starting out, read our guide on how to register a company in Nepal; SSF registration comes right after.

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How the 31% SSF contribution works

The contribution is calculated on your basic salary (mool talab), not your full gross salary with allowances.

Who pays what

Paid by	Part	Rate
Employee	Provident fund (sanchay kosh)	10%
Employee	Social security tax	1%
Employee total		11%
Employer	Provident fund	10%
Employer	Gratuity (upadan)	8.33%
Employer	Additional contribution	1.67%
Employer total		20%
Grand total		31%

Where the 31% goes

Scheme	Share of basic salary
Old-age protection (pension + retirement savings)	28.33%
Accident and disability	1.40%
Medical, health and maternity	1.00%
Dependent family protection	0.27%
Total	31%

So most of your money (28.33 of the 31 percentage points) is your own savings for the future. Only a small slice pays for insurance-type cover.

Worked example: basic salary Rs 30,000

Item	Monthly amount
Your 11% (deducted from your salary)	Rs 3,300
Employer's 20% (paid on top)	Rs 6,000
Total deposited in SSF	Rs 9,300
Of which goes to old-age savings (28.33%)	Rs 8,499
Of which goes to medical, accident and family cover (2.67%)	Rs 801
Total per year (31%)	Rs 1,11,600

So on a Rs 30,000 basic salary, Rs 1,11,600 a year goes into SSF, and about Rs 1,02,000 of that (the 28.33% old-age part) builds up as your own savings, before any returns. Want to try your own numbers? Our Percentage Calculator makes it quick.

Employers must deposit each month's contribution by the 15th of the following Nepali month.

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The 4 SSF schemes and what you actually get

The figures below are the commonly cited limits from SSF's operating procedure, as summarised by Nepali law firms. Limits are revised from time to time, so check the current numbers with SSF before you claim.

1. Medical, health and maternity (aushadhi upachar, swasthya tatha matritwa)

• Inpatient (hospital admission, IPD): up to Rs 1,00,000 per year. SSF generally covers 80% of eligible costs, so the most SSF pays is about Rs 80,000, and you pay the remaining 20%.
• Outpatient (OPD): up to Rs 25,000 per year, again with roughly 80% covered by SSF.
• Unused OPD balance can be used for inpatient treatment (a change made in 2021).
• Maternity: pregnancy tests, delivery (including surgery) and post-natal care are covered for a female contributor or the wife of a male contributor, plus treatment of the newborn in the first months. After the 2021 amendment, coverage extends up to six weeks after childbirth.
• Eligibility: you need a minimum period of continuous contributions before medical benefits start. Many guides cite three consecutive months; confirm your status in the portal.

Use SSF-listed hospitals. Treatment at hospitals affiliated with SSF is the smoothest way to claim. The official list is on the SSF website under "Affiliated Hospitals" (ssf.gov.np). This is what people mean when they search "SSF hospital list".

2. Accident and disability (durghatana tatha apangata)

• Workplace accident: 100% of treatment costs at SSF-prescribed hospitals; up to Rs 7,00,000 for treatment at other hospitals.
• Permanent total disability: a lifetime monthly pension of 60% of your last basic salary. The old cap on disability payments was removed in 2021.
• Partial disability: compensation based on how severe the disability is.

3. Dependent family protection (ashrit pariwar suraksha)

If a contributor dies:

• The spouse receives a lifetime monthly pension of 60% of the contributor's last basic salary.
• Up to two children under 18 receive an education allowance of 40% of the last basic salary.
• Funeral expenses: a lump sum of Rs 25,000.

4. Old-age protection (briddhawastha suraksha)

Since the 2021 amendment, the 28.33% old-age contribution runs as two parallel parts:

Part	Share	What it's for
Pension fund	20%	Monthly pension from age 60, if you have contributed for at least 180 months (15 years)
Retirement fund	8.33%	Savings you can withdraw more flexibly, for example after leaving a job

How the pension is worked out: law firm summaries describe it as your total pension-fund balance plus investment returns, divided by 160, paid monthly. Your actual pension depends on how long you contribute and how much.

If you don't reach 180 months by age 60, you can't get a monthly pension, but your accumulated savings aren't lost. Check the payout options with SSF.

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How to log in to SSF (contributor login)

The official portal is sosys.ssf.gov.np.

1. Get your SSF ID. Your employer registers you and SSF issues a unique SSF ID (Social Security Number). It stays the same even when you change jobs. Ask your HR or accounts team if you don't know it.
2. Open the contributor login page: sosys.ssf.gov.np → Contributor Login.
3. First time? Reset your password. Click Reset Password, enter your SSF ID as both username and SSID, and click Recover. A reset link goes to the email your employer registered.
4. Set a new password using that link, then log in.
5. Once inside you can see your contribution history, employment history, recent transactions and tax statement.

Common problems:

• No reset email? Your employer may have entered the wrong email. Ask HR to correct it, or contact SSF.
• Lost your SSF ID? Your employer can find it in their SSF employer account.
• SSF also has an official mobile app on Google Play (publisher: Social Security Fund, Nepal). Make sure you download the official one.

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How to update your KYC

KYC (Know Your Customer) must be complete and correct, or claims and withdrawals get stuck.

1. Log in at sosys.ssf.gov.np.
2. Open the KYC section and get a submission number (new users).
3. Upload a passport-size photo.
4. Fill in personal details exactly as on your citizenship certificate.
5. Add bank account details. This is where withdrawals and claims will be paid, so double-check them.
6. Add your permanent and temporary address.
7. Upload supporting documents (citizenship, and others the form asks for).
8. Add family members and nominees. This matters for dependent family benefits.
9. Submit, then track it with your submission number on the SSF website.

For KYC questions, SSF lists a dedicated email: kyc@ssf.gov.np.

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How to withdraw money from SSF

What you can withdraw depends on why and when.

Situation	What you can usually access
You leave your job	Your retirement fund (8.33% part). The pension fund stays locked until age 60.
You reach 60 with 180+ months of contributions	Monthly pension from the pension fund
You reach 60 with less than 180 months	Your accumulated savings, under SSF's payout rules
You go abroad for work or settle abroad	Rules allow withdrawal from the retirement scheme
You are a foreign national	Retirement fund after employment ends

General steps:

1. Make sure your KYC and bank details are complete.
2. Log in to the portal and submit a claim/withdrawal request, or contact SSF's retirement desk (retirement@ssf.gov.np).
3. Attach the documents requested (citizenship, SSF ID, employment end details, and medical reports for medical claims).
4. SSF verifies the claim and transfers the money to your bank account.

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SSF loans: home, education and social

You can borrow against your own SSF savings instead of withdrawing them.

• Who qualifies: contributors with at least 36 months of contributions.
• How much: up to 80% of the eligible balance in your fund.
• Home loan: SSF began issuing home loans of up to Rs 70 lakh in 2022 (myRepublica). Current limits, interest rates and repayment terms are set by SSF, so confirm them in the portal or at loan@ssf.gov.np before applying.
• Other types: education loans and social loans (for example, family needs).
• Contact: loan@ssf.gov.np

Borrowing from SSF can be cheaper than a bank loan, but you are borrowing your own retirement money. Plan repayments carefully with our EMI Calculator before you apply.

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SSF and income tax: two benefits

1. No 1% social security tax on your first tax slab. Non-SSF employees pay 1% social security tax on the first slab of income. SSF contributors already pay 1% into SSF, so this tax doesn't apply again.
2. Deduction for retirement contributions. Contributions to approved retirement funds, which include SSF, are deductible up to Rs 5,00,000 a year or one-third of your income, whichever is lower (as commonly cited for recent fiscal years).

Tax rules change with every budget, so check the current year's rules with the Inland Revenue Department or a registered auditor. To estimate your tax, use our Nepal Income Tax Calculator, and for the bigger picture read our Nepal tax system guide. You can download your SSF tax statement from the portal or request it at tax@ssf.gov.np.

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SSF vs CIT vs EPF: what's the difference?

	SSF	CIT (Citizen Investment Trust)	EPF (Employees Provident Fund, Karmachari Sanchay Kosh)
Type	Social security + retirement	Retirement savings and investment	Provident fund
Mandatory for private employees?	Yes (under the Labour Act)	No, voluntary	Mainly used by government and some institutional employers
Medical and accident cover	Yes	No	No
Family pension on death	Yes	No	No
Monthly pension	Yes (180 months + age 60)	Check CIT's own schemes	Check EPF's own rules
Main advantage	Insurance + savings in one	Flexible extra savings	Long-established savings fund

In short: SSF is the only one that combines insurance protection with retirement savings. CIT is useful as a voluntary extra if you want to save more for tax benefits. If you are thinking about other ways to grow money, see our guides on the best SIP in Nepal and investing in Nepal.

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SSF for Nepalis working abroad

Since 2023, Nepalis working abroad can join SSF, and new labour permits are now linked to it. Migrant worker members get accident and disability cover, family protection and old-age savings.

• Join: online through the SSF website, using your passport or citizenship, labour permit, employer details and a contact person in Nepal.
• Track contributions: use the Migrant Worker Contribution section on ssf.gov.np.
• Help desk for migrant workers: WhatsApp/Viber 9851351754, email migrantworker@ssf.gov.np.

If you are sending your salary home, our guide on receiving international payments in Nepal explains the cheapest ways.

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7 common SSF mistakes (and how to avoid them)

1. Not knowing your SSF ID. Ask HR in your first month and save it.
2. Wrong email or phone in your record. You won't get password resets or alerts. Check it early.
3. Incomplete KYC. Claims and withdrawals stop until KYC is done.
4. Wrong bank details. Money can bounce or be delayed.
5. No nominee listed. Family benefits become harder to claim.
6. Assuming gross salary is the base. The 31% is on basic salary, so check your payslip.
7. Not checking deposits. Log in every few months to confirm your employer is actually depositing. If deposits are missing, raise it with your employer first, then with SSF.

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Official SSF contacts and links

What	Contact
Official website	https://ssf.gov.np
Online portal (login, statements)	https://sosys.ssf.gov.np
Toll-free hotline	1116 (NTC/Ncell)
Call centre	01-5970016
General email	info@ssf.gov.np
KYC	kyc@ssf.gov.np
Claims	claim@ssf.gov.np
Retirement and withdrawal	retirement@ssf.gov.np
Loans	loan@ssf.gov.np
Tax statement	tax@ssf.gov.np
Registration	reg@ssf.gov.np
Migrant workers	migrantworker@ssf.gov.np · WhatsApp/Viber 9851351754
Head office	Thapathali, Kathmandu (branch offices include Biratnagar and Simara)

Contact details listed on ssf.gov.np as of October 2026.

Frequently asked questions

What is SSF in Nepal?

SSF (Social Security Fund) is Nepal's government-run contribution-based social security scheme. Employers and employees contribute 31% of basic salary every month, which funds medical, accident, family and old-age benefits for workers.

How much is the SSF contribution in Nepal?

31% of basic salary: 11% from the employee (10% provident fund plus 1% social security tax) and 20% from the employer (10% provident fund, 8.33% gratuity and 1.67% additional contribution).

How do I log in to SSF Nepal?

Go to sosys.ssf.gov.np, choose Contributor Login, and use your SSF ID. First-time users should click Reset Password, enter the SSF ID as both username and SSID, and set a password through the link sent to their registered email.

Can I withdraw my SSF money when I leave my job?

Usually you can withdraw the retirement fund part (8.33%) after leaving your job. The pension fund part (20%) stays locked until age 60, though you may be able to borrow against it.

Who is eligible for the SSF pension?

Contributors who reach age 60 and have contributed for at least 180 months (15 years) qualify for a monthly pension.

How much medical cover does SSF give?

Commonly cited limits are up to Rs 1,00,000 per year for inpatient treatment and Rs 25,000 for outpatient treatment, with SSF covering about 80% of eligible costs. Check current limits with SSF.

Can I take a loan from SSF?

Yes. After at least 36 months of contributions, you can borrow up to 80% of your eligible balance for home, education or social purposes. SSF home loans of up to Rs 70 lakh have been offered.

What is the SSF hospital list?

It is the list of hospitals affiliated with SSF where contributors can get treatment and claim benefits more easily. The latest list is under "Affiliated Hospitals" on ssf.gov.np.

Is SSF better than CIT?

They do different jobs. SSF is mandatory for private-sector employees and includes insurance cover. CIT is a voluntary savings and investment option some people use on top of SSF.

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Final thoughts

Most workers see SSF as "just another deduction" on their payslip. It's actually one of the few safety nets a private-sector worker in Nepal has: medical cover, accident protection, a pension, and money your family can rely on. Take 15 minutes this week to log in, check that your employer is depositing, complete your KYC and add a nominee. Your future self will thank you.

👉 Want to see how SSF affects your take-home pay and tax? Try the Nepal Income Tax Calculator.