Nepali pension system overview
The Nepali pension system is mixed. Formal workers may build rights through the Social Security Fund and related employment arrangements, while public-sector workers have separate pension rules. Nepal also operates an old age allowance, which is a social assistance benefit rather than a contribution-based pension.
Social Security Fund old-age protection
The Social Security Fund is the key contribution-based institution for covered workers. Employer and employee contributions finance social security branches, including old-age protection. Eligibility depends on registration and contribution conditions.
Old age allowance
The old age allowance is the assistance layer. Institutional sources describe it as a social allowance for senior citizens, separate from contribution-based rights. It is therefore best compared with social pensions or cash transfers rather than with an earnings-related pension.
Coverage and next checks
Coverage differs sharply by employment type. Readers should check whether they are covered by SSF, a public-sector pension route, provident or gratuity arrangements, and the current old age allowance rules.