The Social Security Fund (SSF) in Nepal manages contributions for eligible employees. You can check your balance and contribution history online.
What the SSF is
The Social Security Fund is a government-run contributory scheme for formal-sector workers. Employers and employees both contribute a percentage of the employee’s basic salary, and the fund uses that money to provide retirement, medical, accident, and dependent benefits under its schemes.
It is not a normal savings account. Your contribution record determines your eligibility and benefit amount, but you cannot withdraw the balance whenever you like. Different schemes have different qualifying conditions, so the number on the portal is best read as a contribution record and a long-term entitlement, not as spendable cash.
Who is covered
SSF coverage is generally for employees in formal employment whose employers are enrolled with the fund. Many private companies, banks, schools, hospitals, and organisations are enrolled. Some employers offer a provident fund instead, and some employees may have both arrangements at different points in their career.
If you are unsure whether you are covered, check your salary slip for an SSF deduction and ask your HR team for your Social Security Number (SSN). A deduction on the slip without a corresponding portal record is a warning sign worth following up.
How contributions work
| Contributor | Typical share | Basis |
|---|---|---|
| Employee | 11% | Basic salary |
| Employer | 20% | Basic salary |
| Total | 31% | Deposited monthly with SSF |
Rates and rules are set by the fund and can change. The important point for employees is that the employer is responsible for depositing both shares. Your 11% is deducted from your salary, but the employer must add its 20% and remit the total.
Some employers show the deduction as “SSF” or “Social Security” on the payslip. Check that the amount matches the current rate on your basic salary, not your gross salary. Allowances are usually outside the SSF base.
Prerequisites
- SSF number/member ID: Your Social Security Number
- Login credentials: Registered on the SSF member portal/app
- Registered mobile/email: As per SSF records
- A stable internet connection: The portal can be slow during peak hours
Check balance online
- Go to official site: Visit the official SSF website ssf.gov.np and find the Member Portal/Login link.
- Login: Enter your SSN/member ID and password/OTP.
- View balance: Navigate to “My Account” / “Contribution” / “Statement” to view balance and transaction history.
- Download statement: You can download/view statements for records.
- Check the latest month: Confirm that the most recent contribution has actually been posted, not just deducted.
Statements may show contributions by month, employer, and scheme. If you have worked for more than one enrolled employer, check that each period appears under the correct employer.
If you haven’t registered
- Register: Use the “Member Registration” option on the portal with your details.
- Verify: Complete OTP/verification as instructed.
- Link details: Ensure details match employer records.
- Confirm with HR: Ask whether your SSN has already been created by the employer.
Some employees are registered by their employer rather than self-registering. If the portal says your details already exist, do not create a duplicate account; use the recovery option or contact SSF support.
Reading your statement
A contribution statement is more than a balance. Look at four things:
- Contribution month: Is there a gap?
- Employer name: Is the correct employer credited?
- Employee and employer shares: Are both present?
- Scheme allocation: Does the split look consistent with the current rules?
If a month is missing, note the exact month and amount before contacting HR. A clear, specific query gets resolved much faster than “my SSF is wrong”.
Checking employer contributions
Your employer should deposit contributions within the period set by the fund. In practice, some employers delay deposits during cash-flow problems, and the employee only notices months later. Check your statement every quarter, not once a year.
If a contribution is missing:
- Ask HR or payroll for the deposit receipt or challan for that month.
- Compare the receipt date and amount with your salary slip.
- If the employer cannot show a deposit, request a written timeline for correction.
- If the issue continues, contact SSF through the official helpdesk with your SSN, employer details, and the missing months.
Keep your own record of the query, including dates and the names of people you spoke to.
Changing jobs
When you move to a new employer, give them your existing SSN rather than allowing a new one to be created. A duplicate number can split your contribution history and make benefits harder to verify later. Check the portal after your first salary at the new job to confirm the new employer is depositing under the same number.
If there is a gap between jobs, contributions may pause. Ask SSF or your new employer whether you can contribute voluntarily for the gap, and whether it affects any qualifying period.
Benefits and claims
SSF schemes include retirement/pension, medical treatment, accident and disability, dependent, and maternity-related benefits, subject to eligibility rules. The balance shown online is not the same as the amount you will receive, because benefits depend on contribution length, salary history, and scheme rules.
Before applying for any benefit, check the current SSF notice for the required forms, contribution minimums, and processing office. Requirements can change, so do not rely on a friend’s experience from several years ago.
Troubleshooting
- Forgot password: Use password recovery on the portal.
- Can’t login: Check if registered or contact SSF support.
- Employer not registered: Some employers may not be enrolled yet — follow up.
- OTP not received: Confirm your registered mobile number; update it through the proper process if it has changed.
- Wrong name or date of birth: Request correction with supporting documents rather than creating a new account.
- Balance looks too low: Check for missing months before assuming the fund has made an error.
Timeline
Contributions usually appear after the employer deposits and the fund processes the file, so a short lag is normal. If a deduction appears on your payslip but not on the portal after the following month, start asking questions. Benefit claims can take longer because they require verification; apply well before you need the money.
Checklist
- Find your SSN and portal login
- Log in and check the latest contribution month
- Verify employee and employer shares
- Download and save the statement
- Check past employers are credited correctly
- Raise missing months with HR in writing
- Contact SSF if the employer does not resolve it
Portal features may change. Always use the official SSF website for current instructions.
