Topical ocular instillation remains the preferred route for treating anterior segment ocular disorders, however, conventional eye drops exhibit notoriously low ocular bioavailability (< 5%) due to stringent physiological barriers, including rapid nasolacrimal drainage, blinking reflex, and the impermeability of the corneal epithelium. This challenge is significantly magnified for Nepafenac, a BCS Class II nonsteroidal anti-inflammatory prodrug whose extremely poor aqueous solubility (0.014 mg/mL) severely limits therapeutic permeation across lipophilic-hydrophilic corneal layers. To overcome these dual physiological and physicochemical bottlenecks, this study developed and evaluated an integrated nanocarrier-hydrogel platform: a Self-Microemulsifying Drug Delivery System (SMEDDS) embedded in an ion-activated in situ gelling matrix. The optimized lipid phase comprised Capryol 90 (oil), Cremophor RH 40 (surfactant), and PEG 400 (co-surfactant), which upon aqueous dispersion yielded optical clarity (99.34% transmittance), a mean globule size of 206.1 nm, and an electrostatically stabilizing zeta potential of −17.1 mV. Incorporation into a Gellan gum/HPMC polymeric system facilitated an instantaneous sol-to-gel phase transition (3 seconds) in the presence of simulated tear fluid conditions. Rheological assessment demonstrated a sharp transition from a freely pourable Newtonian sol (48 cps) to a viscoelastic pseudoplastic gel (8190 cps), resisting premature precorneal drainage. In vitro permeation profiles exhibited biphasic kinetics characterized by an initial burst release (25–30% within the first hour) followed by sustained diffusion over 6 hours, achieving 99.45% cumulative drug release for the optimized batch F7. Accelerated stability testing (40°C/75% RH for 1 month) confirmed no phase separation and robust chemical integrity with an assay of 95.32%. This dual delivery system presents a clinically promising approach to maximize transcorneal flux, enhance precorneal retention, and minimize dosing frequency.