Karmachari Sanchaya Kosh (KSK), also known as Employees Provident Fund (EPF Nepal). Their leading service is to manage Provident Fund (PF) in Nepal on behalf of the Government of Nepal (GoN) for government, public and private sector employees and comes under the Ministry of Finance.

कर्मचारी सञ्चय कोष is an approved retirement fund of GoN, and the PF they manage is supposed to help the contributors financially on retirement or separation from their jobs. Besides working as the PF of KSK’s contributors, they also provide certain social benefits to our contributors. Membership in KSK is also open to private sector firms with the only condition that such firms should have at least ten employees regularly contributing to become members.

In Nepal, the Provident Fund (PF) ‘s history started in 1934 when the PF scheme came into existence, leading to the establishment of Sainik Drabya Kosh (Army Provident Fund) during the Rana Regime.

karmachari sanchaya kosh

The scheme was actually initiated to remove financial hardships for army personnel after their retirement. Under the scheme, the army staff was required to contribute a specific percentage of their salary to their provident fund (PF) account in Sainik Drabya Kosh. A decade later, the scheme was broadened to cover the employees of civil services as well.

A separate organization named Nijamati Provident Fund was established in 1944 to manage the scheme for civil servants working within Kathmandu. In 1948 the coverage of the scheme was extended to provide coverage to all civil servants working throughout Nepal. In 1959, the Employees Provident Fund (EPF) Department was established under the Ministry of Finance and Economic Affairs.

This department was entrusted with managing both Sainik Drabya Kosh and the Nijamati Provident Fund. With this, the scope of the scheme was extended to cover all government employees, including the police. Three years after the establishment of the EPF Department, a particular Act called the “Karmachari Sanchaya Kosh (KSK) Act” was legislated in 1962. The same year the present KSK, or EPF in English, was established under the act as an autonomous provident fund organization.

After the establishment of KSK, the erstwhile Sainik Drabya Kosh, Nijamati Provident Fund, and Provident Fund Department were merged into KSK. Since then, KSK has grown by leaps and bounds, and today, it stands as a solid social security-providing organization in Nepal.

Benefits of Karmachari Sanchaya Kosh

Karmachari Sanchaya Kosh’s services include managing the Provident Fund (PF) of all Army and Police personnel, Civil servants, employees of state-owned Corporations, and teachers of Government Schools in Nepal. Similarly, any private sector establishments with more than ten employees are also eligible to become members, and we manage the PF of their employees as well. Besides PF management, KSK also provides security benefits such as

  • Accident indemnity: payable for a covered person’s death, dismemberment, or injury caused by a covered accident that occurs on or off the job.
  • Funeral grant KSK will provide you funeral grant if you’re on a low income and need help to pay for a funeral you’re arranging.
  • Employee welfare scheme (Insurance) Employee welfare includes monitoring working conditions and creating industrial harmony through infrastructure for health, industrial relations, and insurance against disease, accidents, and unemployment for workers and their families.
  • Participation in profit: purely contractual involvement in a company with which the investor participates in profits and losses of the company. They can be designed to resemble borrowed capital by contractually agreeing on minimum interest payments, which are independent of the company’s profits.
karmachari sanchaya kosh

Sanchaya Kosh and Nagari lagani kosh are two different things.

Contact Details:

Website: https://epf.org.np/
Phone Number: +977-01-5970041
Email: info@epfnepal.com.np


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

Employee Provident fund

Karmachari sanachaya kosh provides financial services, social services and contributory Pension services.


  • Special Loan
  • House Loan
  • Education Loan
  • Revolving Loan
  • House Maintenance Loan
  • Land Purchase Loan
  • Online Loan repayment
  • Regular Contribution


  • Medical Benefit
  • Funeral Grants
  • Maternity and child Care
  • Accident Compensation


Karmachari Sanchaya Kosh services

Employee Provident Fund Nepal History

In 1934, the Army Provident Fund was established with an initiative to remove the financial hardship to 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 employees of Kathmandu by establishing a separate organization called Nijamati Provident Fund. After four years, it was extended all over the country. In 1959 the 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 police personnel, were included.

Employee Provident fund Nepal

In 1962, Karmachari Sanchaye Kosh (KSK) act was legislated, under which the 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 Nepal’s solid social security-providing organizations.

Employee Provident fund anniversary

Employee Provident Fund Members

Employees from the army, police, civil servants, state-owned corporations, and government schools and colleges get automatic membership in 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 the Employees provident fund www.epf.org.np.

Coverage AreaContributorsContributing Offices
Civil (Government organizations)810003985
Nepal Police & Nepal Armed Police89000486
Nepal Army93000303
Private organizations, the corporate sector970002765

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


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


  • To establish the fund as Nepal’s reputed social security organization.
  • To make the fund 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 grants, Insurance, and Participation in profit.


The head office is in Pulchowk, Lalitpur. It also has an office in Thamel, Kathmandu. Besides, it has seven other offices outside Kathmandu.

Call Center: +977-01-5970041
Spokesperson / Information Officer: Damodar Pd. Subedi
Acting Chief Manager
Mobile No. : 9748276248

EPF branches and service centers in Nepal

EPF Nepal Login

EPF Nepal Login
  • First, visit the official website https://epf.org.np/
  • Click on EPF Individual login on the top.
  • Put your User ID and Password.
  • You will be logged in.

Karmachari Sanchaya Kosh loan and interest rate

Karmachari Sanchaya Kosh provides various types of loans to its entire civil servants working throughout the country. One of the most popular loan schemes offered is the home loan. The home loan interest rate is very competitive, making it an attractive option for individuals who are seeking financing for a new home. To apply for a home loan, you must contact the nearest branch, fill out the required forms, and submit the necessary documents. So if you are eligible for a loan from Karmachari Sanchaya Kosh, contact the nearest branch office to enquire about the loan and interest rate.