Karmachari Sanchaya Kosh – कर्मचारी संचय कोष | Employees Provident Fund Nepal

Karmachari Sanchaya Kosh / कर्मचारी संचय कोष

Karmachari Sanchaya Kosh, which is known as Employees Provident Fund (EPF) in English and कर्मचारी सञ्चय कोष in Nepali, was established in 1944 as a Nijamati Provident Fund.

The Employees Provident Fund (EPF) is managed by the Ministry of Finance on behalf of the Government of Nepal as a Provident Fund (PF) for employees of the government, public sector, and private sector.

It was the Employee Provident Fund that approved the retirement fund for the Government of Nepal (GoN), and its Provident Fund (PF) manages a fund that is intended to help its contributors upon retirement or separation from employment.

The Provident Fund also provides certain social security benefits to its contributors in addition to managing the retirement savings.

Moreover, private sector companies are also eligible to become members of the EPF, provided that such companies have at least ten (10) employees contributing regularly.

कर्मचारी संचय कोष : Explanation in Nepali

Karmachari Sanchaya Kosh Vision

Through a leadership role as the national social security provider, establish the fund as a social security organization of international standards.

Karmachari Sanchaya Kosh Mission

a) Through effective resource mobilization, sustainable and attractive facilities, qualitative services, and expanding the coverage of potential social security programs to all employees in the organized sector, establish the fund as Nepal’s most reputed social security organization.

b) Through modern management systems, establishment and expansion of a quality-based network, creative and competitive working principles, and extensive cooperation and partnership, develop the fund as a social security organization of international standards.

c) Through good management of the provident fund and social security benefits, assuring social security to contributors and making the fund a “happy big family of satisfied members.”

d) Through mobilization of long-term savings available with the fund in infrastructure development, contribute to the country’s economic development.

Karmachari Sanchaya Kosh Management Team

Administrator

• Jitendra Dhital

Joint Administrator

• Jeewan Kumar Kattel

Chief Managers

• Bharat Raj Wasti
• Rochan Shrestha
• Dhruba Bhattarai
• Dhruba Pd. Adhikari
• Dinesh Kumar K.C.
• Rajendra Shakya
• Thakur Jung Thapa
• Damodar Pd. Subedi
• Subash Khadka
• Darshan Bhattarai
• Birendra Poudel

Senior Managers

• Mahesh Prasad Khanal
• Ram Kaji K.C.
• Shanta Gautam
• Sagar Kumar Singh
• Rakesh Lal Shrestha
• Rajendra Bhandari
• Madan Subedi
• Dilp Raj Paudel
• Kalpana Manandhar
• Nirmala Humagain
• Arjun Niroula
• Dhruva Prasad Pant

Karmachari Sanchaya Kosh Board Members

• Krishna Hari Pushkar – Chairman
• Prof. Dr. Jeewan Kumar Bhattarai – Board Member
• Arun Kumar BC – Board Member
• Baburam Subedi – Board Member
• Ganesh Singh Bhandari – Board Member
• Jitendra Dhital – Board Member

Website For Karmachari Sanchaya Kosh / कर्मचारी संचय कोष 

History of Provident Fund/कर्मचारी संचय कोष/ Karmachari Sanchaya Kosh in Nepal

During the Rana Regime in Nepal, Sainik Drabya Kosh (Army Provident Fund) was established in 1934, which marks the beginning of the Provident Fund in Nepal.

To remove financial hardships for army personnel after retirement, the scheme was established.
A specified percentage of army staff salaries was to be contributed to their provident fund (Sanchaya Kosh) account in Sainik Drabya Kosh.

The scheme was expanded a decade later to cover employees of the civil service as well.
To manage the scheme for civil servants working within Kathmandu, Nijamati Provident Fund (NPF) was established in 1944.

It was expanded in 1948 to provide coverage to civil servants all over the country. As part of the Ministry of Finance and Economic Affairs, the Employees Provident Fund Department was established in 1959.

Sainik Drabya Kosh and Nijamati Provident Fund were both managed by this department. All employees of the government, including the police, are now covered by the scheme.

After the establishment of the Employee Protection Fund Department in 1961, a separate law named the “Karmachari Sanchaya Kosh Act” came into effect in 1962.

According to the act, the Karmachari Sanchaya Kosh was granted the authority to establish provident funds.
Karmachari Sanchaya Kosh was established after the amalgamation of Sainik Drabya Kosh, Nijamati Provident Fund, and Provident Fund Department.

Throughout the years, Karmachari Sanchaya Kosh (KSK) has grown by leaps and bounds, and today it provides social security to millions in Nepal.

Karmachari Sanchaya Kosh Login | कर्मचारी संचय कोष login | EPF iPortal | Login

Karmachari sanchaya kosh Balance Check

You can check the balance of Karmachari Sanchaya Kosh by visiting the portal of Karmachari Sanchaya Kosh at https://site.epfnepal.com.np/

Karmachari Sanchaya Kosh Loan

There are different types of loan facilities provided by Karmachari Sanchaya Kosh in Nepal for the needy people for various purposes which includes Education Loan, House Loan, Revolving Loan , Special Loan , House Maintenance Loan, Online Special Loan , Online Loan Deposit , Land Purchase Loan,etc. 

You can access to these loans at the footer of the website (https://site.epfnepal.com.np/)

Karmachari Sanchaya Kosh Form | कर्मचारी संचय कोष फारम

You can access different Types Karmachari Sanchaya Kosh Form provided by Karmachari Sanchaya Kosh in Nepal for various purposes like Badhuwa Form , KYC Edit/Update Form, New PF Number Request Form , संचयकर्ता स्वास्थ्योपचार सुविधा योजना सोधभर्ना दावी फाराम , थप किस्ता रकम भुक्तानी फाराम,etc.

To Access these Forms Please Do Visit : https://site.epfnepal.com.np/resource/13

Karmachari Sanchaya Kosh KYC Form

Individual KYC Form	Office KYC Form
https://site.epfnepal.com.np/kyc/	https://site.epfnepal.com.np/kyc/kyco.php

Here are some common forms used for EPF in Nepal:

Form 11

This form is used for an employer to enroll new employees in the EPF scheme. It typically includes details about the employee’s name, date of birth, address, and other relevant information.

This form marks the starting point of EPF registration for any employee.

Form 12

This is a monthly contribution statement that the employer submits to the Karmachari Sanchaya Kosh. It contains information about the employee’s salary and the corresponding EPF contributions made by both the employer and the employee.

It helps maintain a record of regular EPF contributions.

Form 13

This form is used when an employee wants to withdraw their EPF contributions partially or completely. It requires details like the employee’s name, EPF account number, reason for withdrawal, and bank account details.

This form is used during financial needs, resignation, or retirement cases.

Form 14

In case of the death of an EPF account holder, this form is used to claim the EPF benefits by the nominee or legal heir. It includes information about the deceased employee, the claimant’s details, and other necessary information.

This ensures the rightful claimant receives the EPF amount.

Form 15

This form is used to transfer an employee’s EPF account from one employer to another. It is necessary when an employee changes jobs and wants to continue contributing to the same EPF account.

This avoids closing and reopening EPF accounts.

Form 17

This form is used to update an employee’s personal information, such as their name, date of birth, or contact details, in the EPF records.

It helps keep EPF records accurate and updated.

Form 18

It is used to change the nomination details for EPF benefits. Employees can update their nominated beneficiaries using this form.

This ensures benefits go to the correct nominee.

Form 19

This is the application form for the final settlement of EPF benefits when an employee retires, resigns, or reaches the age of superannuation.

It includes details about the employee’s last working day, reason for withdrawal, and bank account information. This form is used for complete EPF closure.

Form 20

This form is used to claim EPF benefits in case of permanent disability before retirement.

It provides financial support during unexpected circumstances.

Karmachari Sanchaya Kosh Thamel

You can contact the Karmachari Sanchaya Kosh branch in Thamel by calling 01-4223320 or by email at ssdept@epfnepal.com.np and cirdept@epfnepal.com.np or via email at ssdept@epfnepal.com.np. The Branch Head is Mr. Damodar P. Subedi.

He is in charge of Contributors Services, while Mr. Dinesh Kumar K.C. is responsible for Fund Management. Topa Ram Pandit is responsible for Contributors Loans.

This branch plays a vital role in managing employee contributions as well as offering financial services to its members.

Karmachari Sanchaya Kosh Biratnagar

The Karmachari Sanchaya Kosh branch in Biratnagar is managed by Mr. Tej Prasad Khanal, who serves as the Branch Head.

You can contact this branch at the phone number 021-472784 or via email at biratnagar@epfnepal.com.np for any inquiries or assistance related to employee savings and provident fund matters.

This branch is a vital part of the Employees’ Provident Fund of Nepal, dedicated to helping employees secure their financial futures through responsible fund management.

Karmachari Sanchaya Kosh Pokhara

The Karmachari Sanchaya Kosh branch in Pokhara can be reached at phone number 061-526811 or via email at pokhara@epfnepal.com.np.

Mr. Nagendra Prasad Paudel serves as the Branch Head at this location, overseeing the operations and services provided by the organization in the Pokhara region.

This branch plays a crucial role in managing employee provident fund contributions and related financial matters for the employees in the area.

For any inquiries or assistance regarding provident fund matters, individuals can easily get in touch with Mr. Nagendra Prasad Paudel or contact the branch via phone or email.

Common Questions Asked

What is the contribution of EPF in Nepal?

The Employees Provident Fund (EPF) in Nepal is a significant financial institution that plays a crucial role in the country’s social security and retirement benefits system.

Its primary contribution lies in providing retirement, pension, and social security benefits to employees in Nepal.

Here are some key contributions and functions of EPF in Nepal:

Retirement Savings:

• EPF serves as a mandatory retirement savings scheme for employees in Nepal.
• Both employers and employees contribute a portion of the employee’s salary to the fund.
• This contribution is intended to create a financial safety net for employees after their retirement.

Pension Payments:

• EPF administers pension payments to retired employees.
• Upon reaching retirement age or meeting certain conditions, individuals can start receiving regular pension payments from the fund, ensuring financial stability during their post-retirement years.

Social Security:

• EPF extends its services beyond retirement benefits.
• It provides financial assistance to employees and their families in case of events like disability, death, or incapacitation.
• This helps ensure that employees and their dependents have access to financial support during challenging times.

Housing Loans:

• EPF also offers housing loan facilities to its members.
• Employees can apply for loans to purchase or construct homes, thus promoting homeownership and providing affordable housing options.

Economic Development:

• The funds collected by EPF are often invested in various economic development projects and sectors of Nepal.
• These investments can contribute to the growth of the country’s economy and infrastructure.

Financial Inclusion:

• EPF encourages financial inclusion by promoting savings and providing financial security to a significant portion of the working population.
• This, in turn, contributes to overall economic stability and financial well-being.

Administrative Services:

• EPF also provides administrative services related to the management of provident funds and pension schemes, ensuring compliance with regulations and transparency in fund management.
• It’s important to note that the specific contributions and functions of EPF may evolve over time due to changes in government policies and regulations.
• Therefore, it’s advisable to refer to the latest information and regulations regarding EPF in Nepal to get the most up-to-date details on its contributions and functions.

How can I check my EPF balance in Nepal?

Here are the general steps you can follow to check your EPF balance in Nepal:

Visit the EPF Official Website:

Go to the official website of the Employees Provident Fund in Nepal. The website URL may have changed, so make sure you have the correct one. You can usually find this information with a quick online search.

Login or Register:

If you have already registered for online access, log in to your account using your credentials.

If you haven’t registered yet, you might need to sign up for an online account. You will likely need to provide your EPF account number and personal details for registration.

Check EPF Balance:

Once logged in, you should be able to find an option to check your EPF balance.

This information is typically available in your account dashboard or under a section specifically dedicated to checking your balance.

Mobile App (if available):

Some EPF offices may also have mobile apps that allow you to check your balance and perform other EPF-related activities.

If such an app is available, you can download it from your device’s app store and follow the instructions to check your balance.

SMS Service (if available):

In some cases, you may be able to check your EPF balance through SMS (text message) services.

You can send an SMS with your EPF account number to a designated number provided by the EPF office.

If this service is available, the EPF office’s website or customer service should have the details.

Contact EPF Office:

If you encounter difficulties with the online methods or if online access is not available, you can contact the Employees Provident Fund office directly.

They should be able to assist you in checking your EPF balance. You may need to provide your EPF account number and personal information for verification.

• Nagarik Lagani Kosh – Citizen Investment Trust | नागरिक लगानी कोष

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(Founder of Management Notes)
MBA,BBA.

I am Smirti Bam, an enthusiastic edu blogger with a passion for sharing insights into the dynamic world of business and management through this website.

I hold a MBA degree from Presidential Business School, Kathmandu, and a BBA degree with a specialization in Finance from Apex College,

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