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Employee Provident Fund Nepal, also known as Karmachari Sanchaye Kosh Nepal is an organization on the behalf of the government of Nepal to manage the provident fund of the employees of the government, private and public sector by providing financial help on retirement or separations from their jobs under the Ministry of finance. It is approved retirement fund of the government of Nepal. Even, a private sector with more than 10 employees contributing regularly can get the membership of this fund.

image via www.web.epfnepal.com

Establishment History

Back in 1934, Army Provident fund was established with an initiative to remove the financial hardship to the army personnel after their retirement. Army personnel had to contribute some specific percentage of their salary to this fund. Ten years later in 1944, this fund was increased to civil services employee of Kathmandu by establishing a separate organization called Nijamati Provident fund. After four years, it was extended all over the country. In 1959, Employees Provident Fund department was established under the Ministry of Finance and Economic affairs. Under this fund, both civil services and army personnel along with the police personnel were included.

In 1962, Karmachari Sanchaye Kosh (KSK) act was legislated under which Army Provident fund, Nijamati Provident fund, and Employee provident fund department were merged. Since then, it has been growing and today, it is one of the strong social security providing organizations in Nepal.

image via www.web.epfnepal.com

Members and membership base

Employees from army, police, civil servants, state-owned corporations and government school and colleges get automatic membership to this organization. More than 32000 offices with 466,000 employees have been contributing to KSK. Let us look at the data (November 2012). It has been taken from the official website of Employees provident fund www.web.epfnepal.com.

Coverage Area Contributors Contributing Offices
Civil (Government organizations) 81000 3985
Nepal Police & Nepal Armed Police 89000 486
Nepal Army 93000 303
Education 90000 25196
Private organizations, corporate sector 97000 2765
Total 4,50,000 32,735


The current rate of PF is 10 % of the monthly salary.


To establish the fund as social security organization of international standards.


  • To establish the fund as Nepal’s reputed social security organization.
  • To make the fund as a happy big family of satisfied members.
  • To contribute to the economic development of the country.

Function of KSK

The main function of KSK is to manage the provident fund of the member of the employees. Besides, it also provides social security benefits like Accident Indemnity, Funeral grant, Insurance, Participation in profit.


The head office is in Pulchowk, lalitpur. It has also office in Thamel, Kathmandu. Besides, it has other seven offices outside Kathmandu.  Here is the contact address of them:

Branch Name Branch Head Contact details
Head Office, Pulchowk Mr. Birendra Mohan Bhattarai (Dept. Chief)
Contributors services and social security
015010172 [email protected]
Central Office, Thamel Mr. Kedar Nath Gautam (Dept. Chief)
Contributors Investment and Recovery
01-4223320 [email protected]
[email protected]
Branch Office, Biratnagar Mr. Shanta Gautam
021-472784 [email protected]
Branch Office, Pokhara Mr. Bishnu Prasad Paudel
061-526811 [email protected]
Branch Office, Hetauda Mr. Dinesh Kumar KC
057-524377 [email protected]
Branch Office, Butwal Mr. Toparam Pandit
071-551518 [email protected]
Branch Office, Dhangadhi Mr. Ram Kaji K.C.
091-520692 [email protected]
Branch Office, Kohalpur  
081-541282 [email protected]
Branch Office, Surkhet Mr. Ram Prasad Lamichhane
083-523066 [email protected]
Branch Office, Dhankuta Mr. Tej Prasad Khanal
026-520049 [email protected]
Singhadurbar Service Center Mr. Ram Chandra Pokhrel 01-4200466 [email protected]

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