Parjanya Shakya
Founder, Kharchapatra · 297 guides
Software engineer and founder of Kharchapatra, based in Kathmandu. Parjanya writes nearly all of the guides on this site — on Nepali taxes, banking, NEPSE, and household money — and builds the tracker and calculators they sit beside. The writing habit started with a simple frustration: getting straight answers about Nepali money meant piecing together Finance Act PDFs, circulars, and hearsay, and someone had to write the missing manual.
How the guides are researched, sourced and corrected is set out on the about page. Spotted something stale or wrong? Get in touch.
Every guide, by topic
- Tax55
- Saving & Budgeting61
- Banking & Payments29
- Loans & Credit29
- Investing50
- Insurance20
- Retirement20
- Real Estate12
- Family & Life21
Tax
Topic hub →- The Rs 30 billion tax bill behind Nepal's internet price hike
- How to donate to Nepal's PM Disaster Relief Fund without getting scammed
- Paid by QR in Nepal? Where your IRD prize coupon actually is, app by app
- How to register a cash bill at prize.ird.gov.np and enter Nepal's Rs 1 lakh daily draw
- Nepal's bill lottery: the government now pays Rs 1,33,334 a day for asking for a receipt
- Malpot valued your land too high? How a property-tax appeal actually works in Nepal
- Renting your apartment on Airbnb in Nepal: the tax rules nobody has actually written
- Sole proprietorship vs Pvt Ltd in Nepal: which one actually pays less tax
- Switched jobs mid-year? Reconciling TDS from two employers before you file
- Your employer deducted TDS — did it ever reach the IRD? How to check your tax credits
- How much gold can you bring from abroad? Nepal's customs limits for returning workers
- The Asar masanta money checklist: what to pay before Nepal's fiscal year closes on July 16
- Pathao and InDrive rider income: what you owe the taxman and what you can deduct
- How much tax do you pay when you sell gold in Nepal?
- What's the penalty for filing your income tax return late in Nepal?
- The 1% social security tax on your salary in Nepal: where it goes, can you get it back
- Buying a used bike or car in Nepal: namsari cost and the tax trap nobody warns you about
- Do you pay tax on Netflix, Spotify and ChatGPT in Nepal? The 2% digital service tax
- The full TDS rate card for Nepal: every rate that skims your money (FY 2083/84)
- House rent tax in Nepal: the 10% on rental income, and who you pay it to
- Car import tax in Nepal: why a vehicle costs double the foreign price
- Turnover tax vs regular tax: how small businesses are taxed in Nepal (D-01)
- How NEPSE dividends are taxed in Nepal: the 5% you never see
- Tax on agricultural and farm income in Nepal: what's exempt and what isn't
- How much customs duty to bring a phone or laptop into Nepal
- Is your foreign salary or remittance taxable in Nepal?
- Annual land and house tax in Nepal: malpot vs municipal property tax
- Tax on lottery and prize winnings in Nepal
- Getting excess TDS back: how to claim a tax refund in Nepal
- Is there a gift tax in Nepal? What you owe when someone gifts you money or land
- Couple vs individual filing: the one checkbox that changes your tax slab in Nepal
- How to get a tax clearance certificate in Nepal
- PAN vs VAT in Nepal: when a freelancer or small shop must register for VAT
- Do you need a PAN if you only earn a salary in Nepal?
- How to legally lower your income tax in Nepal: insurance, CIT, and donation deductions
- What the 2083/84 budget changes at Rs 30k, 50k, 1 lakh and 2 lakh a month
- EV prices after Nepal's 2083/84 budget: the kW-to-value duty switch, explained
- Government pay rose by up to 21% in the 2083/84 budget: the new scale and your real take-home
- Your Shrawan 2083 payslip: the TDS and take-home change after the budget
- Capital gains tax on shares in Nepal: 3.75% or 5% since 22 September 2026, and who deducts it
- How much foreign currency can you carry out of Nepal? Passport endorsement and the limits
- What got cheaper and what got costlier in Nepal's 2083/84 budget
- Income tax slabs in Nepal for 2083/84: the full table, what changed, and what you pay
- Nepal Budget 2083/84 and your money: what changed for salary, tax, and savings
- Tax on FD interest in Nepal: the 6% TDS you never noticed
- Creator income tax in Nepal: how YouTube, TikTok, and brand-deal payouts get taxed
- TDS in Nepal explained: why your salary takes a haircut before you ever see it
- How to file income tax online in Nepal: an IRD taxpayer-portal walkthrough
- Capital gains tax on property in Nepal 2083/84: the 7.5% and 10% math nobody explains
- Dashain bonus and tax: why your Kartik salary slip looks weird
- Vehicle tax and road tax in Nepal: the annual bill nobody plans for
- Nepal income tax slabs 2082/83: the table you need to file this year's return
- Side income and freelance tax in Nepal: what to declare and what to set aside
- The Bikram Sambat budgeting year: why your real fiscal year starts in Shrawan, not January
- How to read your Nepali salary slip: PF, SSF, CIT, TDS, and what every line actually means
Saving & Budgeting
Topic hub →- Lock in before the hike? The 12-month WiFi prepay math in Nepal
- Mobile data vs home fibre after the hike: is a Ncell or NTC data pack now cheaper in Nepal?
- Rs 751 to Rs 905 overnight: why your WiFi bill just went up in Nepal (and the bigger hike coming)
- Your Food budget is four budgets: splitting groceries, khaja, eating out and delivery in Nepal
- Your Gulf employer owes you: end-of-service gratuity and unpaid wages, country by country, and how to claim from Nepal
- Online betting in Nepal: the law, the blocked sites, and what Rs 5,000 a week costs over 10 years
- What Dashain actually costs a Kathmandu family of four in 2083: the Rs 40,000 version and the Rs 1.2 lakh version
- Paid the manpower agency and never flew: the refund Section 20 guarantees, and how to file at DoFE
- Kharchapatra is now on Google Play — the Android app for Nepali personal finance
- Rs 21 kharba in remittance came home this year. Here is the receiving family's playbook
- Your savings account pays 2.75%. Inflation is 5.22%. What a year of that costs
- Rs 25,000 at a time: how Nepal's problematic cooperative refund actually works
- A-class vs B-class vs C-class bank in Nepal: does it matter for your FD or savings account?
- How much does Teej actually cost? What's provable, and what nobody has ever measured
- What going to Japan actually costs from Nepal: language school vs SSW, lakh by lakh
- The real cost of chasing a Loksewa job: coaching fees, attempts, and the opportunity-cost math
- NEA electricity tariff slabs decoded: why crossing 20 units changes your whole bill
- Job switch vs staying: how much of a raise justifies changing jobs in Nepal?
- The real cost of a 'free' bank account in Nepal
- Dhukuti in Nepal: how it works, the real return, and when it collapses
- Minimum wage in Nepal 2083/84: the Rs 19,550 floor still in force, by month, day and hour
- Overtime, allowances and the Labour Act: what legally counts toward your pay in Nepal
- Your annual profit bonus in Nepal: the 10% rule, the 6-vs-8-month cap, and who actually gets it
- Living on one income in Kathmandu: a single-earner family budget that actually holds
- EPS Korea: what it really costs to go from Nepal, and how to fund it
- What it actually costs to live in Kathmandu per month (2083)
- Why the dollar rate moves in Nepal: how NRB sets the exchange rate
- FD rates have fallen across Nepal: where do you actually park money now?
- What inflation is quietly doing to your Rs 50,000 salary in 2083
- A Kathmandu grocery basket in 2083 vs 2080: what the same Rs 5,000 buys now
- Going abroad for work from Nepal: what it really costs, and the scams
- Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained
- Breaking an FD early in Nepal: how much interest you actually lose
- A 30-day no-spend challenge adapted for a Nepali salary
- The daily Rs 200 leak: what small Kathmandu habits cost you over a year
- Pay yourself first: automating savings on a Nepali salary before you can spend it
- Why FD rates keep changing in Nepal: base rate and the NRB corridor
- How your savings account interest is actually calculated in Nepal
- Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal
- Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier
- What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares
- What to do with your first salary in Nepal
- Coming back to Nepal from abroad: a money checklist for returnees
- Recurring deposit vs FD in Nepal: the math for monthly savers
- Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money
- ConnectIPS vs mobile banking: fees, limits, and when to use which
- FD laddering in Nepal: stay liquid and still earn fixed-deposit rates
- Salary negotiation in Nepal: how to ask for an increment without burning the relationship
- Bank Statement Decoded: 20 Codes and Abbreviations on Your Nepali Statement
- How to Choose a Savings Account in Nepal: Beyond the Interest Rate
- Lifestyle inflation after a promotion: where your raise really goes
- How Kharchapatra works: a walkthrough of the Nepali finance app, from signup to monthly review
- The first Rs 10 lakh: why it's harder than the next 10 (and what that means on a Nepali salary)
- Nepal Money Basics: a complete guide to personal finance in Nepal
- The monthly money review: a 15-minute ritual that fixes most budgets
- 7 hidden subscriptions eating your monthly budget — Nepal edition
- The 72-hour rule: a cheap trick that kills most impulse buys over Rs. 5,000
- Sinking funds: the trick that makes Dashain and Tihar spending painless
- How big should your emergency fund be in Kathmandu? A 3-month vs 6-month vs 12-month gut check
- How much should you save from your salary in Nepal? The 50/30/20 rule, adapted for रुपैयाँ
- Welcome to Kharchapatra — a personal finance tracker for Nepal
Banking & Payments
Topic hub →- Someone offered you Rs 10,000 a month to use your bank account. That makes you a money mule
- The eSewa and Khalti National ID deadline has passed: what happened on 17 October, and what to do now
- Daraz, COD, and online shopping rights in Nepal: what protection you actually have
- Cardless cash withdrawal at Nepali ATMs: how it works and which banks support it
- How to close a bank account in Nepal without losing your balance to a hidden fee
- The FD auto-renewal trap: how your fixed deposit can quietly earn less after maturity
- Visa vs Mastercard vs UnionPay: which Nepali debit card actually saves you money abroad
- Joint bank account rules for married couples in Nepal
- Torn, burnt, or rat-eaten: how to exchange damaged notes in Nepal, and what NRB refuses
- Your salary account has perks you're not using: fee waivers, loan discounts, free accident cover
- Is Nepal getting a digital currency? What NRB's CBDC plans mean for your money
- Your salary is paid in cash. Here's what it costs you on loans, tax, and visa proof
- What happens to your account and FD when two Nepali banks merge?
- NRN bank accounts in Nepal: what you can open and what you can take back out
- The cheapest way for your family to receive your remittance in Nepal
- Your bank account went dormant. Here's how to reactivate it in Nepal.
- Forex card vs cash vs international debit card for travel from Nepal
- eSewa vs Khalti vs IME Pay: which wallet wins for what in Nepal?
- Bank lockers in Nepal: rent, rules, and whether a safe deposit box is worth it
- OTP and phishing fraud in Nepal: how bank-account scams actually happen
- Paying for Netflix, AWS, or ChatGPT from Nepal: every legal route and what each costs
- Sent money to the wrong number on eSewa or mobile banking? How reversal actually works in Nepal
- UPI in Nepal, Fonepay QR in India: what cross-border payments actually work in 2026
- Getting paid from abroad in Nepal: Wise vs Payoneer vs bank wire
- Hundi vs the bank: the real cost of sending money home the illegal way
- QR payment fraud in Nepal: the three Fonepay scams Kathmandu shopkeepers see daily
- Sending money home to Nepal: hundi vs bank vs remit app for NRNs
- Dollar account in Nepal: how much USD you can legally hold and where to keep it
- Remote work income: managing USD earnings in an NPR reality
Loans & Credit
Topic hub →- Does a family member's CIB blacklist affect you? Spouse, parent, guarantor and co-applicant cases in Nepal
- Borrowing Rs 1 lakh for Dashain 2083: what a festive loan, a credit card and a dhukuti each actually cost
- The 80% first-home loan in Nepal: four conditions decide whether you actually get it
- Why the bank's property valuation is lower than the market price you agreed to pay
- Cooperative loans in Nepal: collateral rules and what happens if the sahakari collapses
- Snowball vs avalanche: the fastest way to clear multiple loans in Nepal
- Can you get a bank loan to buy bare land in Nepal?
- Instant loan app scams in Nepal: how they trap you and how to get out
- Subsidized loans in Nepal (byaj anudan): the 2082 reset and what you can still get
- Laghubitta loans in Nepal: why microfinance interest runs higher than a bank's
- Does Nepal have a credit score? CIB, your report, and how lenders judge you
- Loan processing fees and hidden charges in Nepal: the real cost of borrowing
- Loan rates are dropping too: how to get your bank to cut your home-loan premium
- What happens if you can't pay your loan EMI in Nepal?
- Should you prepay your home loan early in Nepal? The foreclosure-charge math
- Cheque bounce in Nepal: the fine, the blacklist, and the law
- Loan against your FD or shares in Nepal: cheaper than a personal loan?
- Being a loan guarantor in Nepal: the full-debt risk before you sign someone's papers
- Home loan balance transfer in Nepal: switching banks for a lower rate
- Car loan in Nepal: down payment, interest, and the real monthly cost
- How much home loan can you actually get on your salary in Nepal?
- CIB Blacklist in Nepal: How You Get On It and How to Get Off
- Credit Card in Nepal: When It Makes Sense and When It's a Trap
- Education Loan in Nepal: Banks, Rates, and the Co-Sign Reality
- Floating vs Fixed Rate Home Loan in Nepal: The Choice When NRB Base Rate Halved
- Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%
- Personal loan vs gold loan vs overdraft: which Nepali debt is cheapest in 2026
- Two-wheeler EMI math: why that रू 3 lakh Pulsar actually costs रू 4.2 lakh
- Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal
Investing
Topic hub →- Old paper share certificates in Nepal: how to dematerialise them and recover stranded bonus shares and dividends
- You just received Rs 20 lakh in Nepal: the deployment decision tree
- What return should you actually assume in Nepal? The number your SIP and retirement math depends on
- Why your bank shares stopped paying dividends: the Rs 70 arba profit that became a 2% payout
- Auction (lilami) shares on NEPSE: how unclaimed rights get sold, and whether bidding is worth it
- How the Rasuwa flood wiped out three hydropower stocks on NEPSE overnight
- Is SIP a scam in Nepal? Auditing seven years of the country's oldest SIP fund
- SEBON's 2026 IPO reform: what book building and the 50-kitta minimum change for retail
- Short selling, share lending and intraday trading are coming to NEPSE: what actually changes
- Hydropower IPOs in Nepal: why they oversubscribe and whether the rush is worth it
- Odd lot shares on NEPSE: what to do with the leftover shares after you sell
- What happens to your shares if your broker or DP shuts down in Nepal?
- What a real NEPSE portfolio manager charges, and how a fake 'advisor' scam differs
- What your Demat and Meroshare account really cost in Nepal
- The foreign-employment IPO quota: how migrant workers get 10% reserved shares in Nepal
- 'Forex trading' and binary-option apps in Nepal: why they're illegal and how the scam works
- Can a Nepali resident legally buy US stocks? The 2082/83 rules
- Fake share-tip Telegram groups and pump-and-dump in NEPSE
- What is ASBA and how IPO money gets blocked in your bank account
- Where Rs 5 lakh would be today: land vs NEPSE vs gold vs FD (10-year look-back)
- SIP vs lump sum in Nepali mutual funds: which actually builds more
- Gold just hit record highs: what to weigh before you buy a tola now
- NEPSE near record highs: how to judge if the market is expensive
- How NEPSE settlement works: T+2, circuit breakers and when your shares actually arrive
- Promoter shares vs ordinary shares in Nepal: lock-in, price gap and why they differ
- What happens to your shares when you die? Demat transmission in Nepal
- Reading a NEPSE company's financials: EPS, P/E and book value for beginners
- Book closure dates on NEPSE: who gets the dividend, who gets nothing
- Unclaimed dividends in Nepal: how to find and recover money your shares already paid you
- Debentures in Nepal: the 10–12% bonds most retail investors ignore
- How to buy your first share on NEPSE: the TMS step-by-step
- FPO vs IPO in Nepal: what's the difference and should you apply?
- Government and citizen savings bonds in Nepal: rates, tenure, and how to buy through NRB
- What it costs to buy and sell shares on NEPSE: broker commission, SEBON fee, and DP charge
- Closed-end vs open-end mutual funds in Nepal: NAV, discount, and which to pick
- Can an NRN invest in NEPSE and buy property in Nepal? The rules for 2082/83
- How to start a SIP in a Nepali mutual fund: the Rs 1,000-a-month route
- Margin lending on NEPSE: the math that wipes out small accounts
- IPO allotment in Nepal: how the lottery actually works and why everyone gets 10 kitta
- Gold as Investment in Nepal: Tola Math, Storage, and the 5-Year Return
- MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'
- NEPSE sectors decoded: banking vs hydro vs microfinance vs insurance — risk/return reality
- Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?
- Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money
- Crypto and online forex in Nepal: the legal reality, the penalties, and how the scams actually work
- Bonus share vs cash dividend in Nepal: which one actually builds wealth (and the 5% tax both pay)
- Are co-operative FDs really safer at 13%? A risk-adjusted look for Nepali savers
- Reading a Nepali mutual fund factsheet without getting fooled by NAV
- NEPSE vs SIP vs FD for a 25-year-old in Kathmandu
- FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal
Insurance
Topic hub →- Health insurance for parents over 60 in Nepal: which policies still take them, the premiums and the government fallback
- Can you borrow against your life insurance policy in Nepal? Policy loan vs personal loan
- How to file a flood insurance claim in Nepal after the Rasuwa-Nuwakot flood
- Is your life insurance maturity payout taxable in Nepal?
- What insurance actually covers a Pathao or inDrive rider hurt on the job
- Group health insurance from your employer vs buying your own policy in Nepal
- Monsoon floods and your vehicle: what insurance actually pays for a drowned engine
- Foreign employment insurance in Nepal: the cover every migrant worker pays for
- How much life insurance cover do you actually need in Nepal?
- Insurance claim rejected in Nepal? The complaint ladder from branch to the Nepal Insurance Authority
- Travel insurance for your visa application: what embassies require and what it costs from Nepal
- How to claim a life insurance payout after a death in Nepal
- The government Health Insurance Program in Nepal: the Rs 3,500 family plan, explained
- How to surrender a life insurance policy in Nepal, and what you lose
- Vehicle Insurance in Nepal: Third-Party vs Comprehensive, and What Claims Actually Pay
- Health insurance claim process in Nepal: what hospitals actually pay vs reject
- Insurance agent misselling in Nepal: 5 questions to ask before you sign
- Health emergency cost map Nepal: Bir vs Patan vs private hospitals, and what insurance actually covers
- Term life insurance in Nepal: the cheapest plans for a 30-year-old (and why most ‘term’ plans aren't actually cheap)
- Health and life insurance basics in Nepal: term, endowment, and what your agent won't volunteer
Retirement
Topic hub →- What to do if your employer isn't depositing your SSF contributions on time
- Contract versus permanent staff in Nepal: the PF, SSF, and leave gap
- Government job vs private job: comparing pension math after 20 years in Nepal
- SSF for the self-employed in Nepal: what it costs a freelancer to join
- The 4% rule, adapted for Nepal: how much you can safely withdraw from your corpus
- Barista FIRE in Nepal: semi-retiring on a part-time income
- Earn in dollars, retire in Nepal: the geographic-arbitrage math
- How to withdraw your CIT or PF balance in Nepal
- Senior-citizen allowance in Nepal: who gets बृद्ध भत्ता, how much, and how to claim it
- Lean FIRE in Nepal: the smallest number you can actually retire on
- SSF benefits explained: what your social security contribution actually buys
- Loan against your CIT or PF balance in Nepal: when it makes sense
- Final settlement when you quit a job in Nepal: PF, gratuity and leave encashment
- Switching jobs in Nepal: what happens to your PF, CIT, and SSF balance
- Gratuity in Nepal: How It's Calculated, When You Get It, and the SSF Overlap
- How Much Retirement Corpus Do You Need in Nepal? The Rs 2 Crore Math
- Coast FIRE for Nepal: the age and savings number that lets you stop adding to investments
- The beginner's roadmap to financial independence in Nepal
- EPF to SSF: what changes the day your employer switches you over
- CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal
Real Estate
Topic hub →- How many flats does it take to retire on rent in Kathmandu? The honest yield math
- Guthi, Raikar and Kipat: the land ownership types every buyer in Nepal must know
- House rent agreement in Nepal: deposit, notice and what the law actually protects
- Dakhil kharej (namsari): how to get land into your name at the Malpot
- What does it cost to pass a building plan (naksha) in Kathmandu?
- Ropani, aana, bigha, kattha: converting Nepali land units (and what one aana actually costs)
- Buying an apartment in Kathmandu: the real cost beyond the sticker price
- Building a house in Kathmandu: a per-aana budget for 2026
- Property registration costs in Nepal: malpot, kitta-kat, and the hidden Rs lakh on a Rs 1 crore plot
- Land plotting scams in the Kathmandu Valley: 6 red flags before you book a plot
- Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify
- Renting vs buying in Kathmandu: the spreadsheet most people skip
Family & Life
Topic hub →- Missing after the Trishuli flood: claiming life insurance, bank deposits and SSF when there is no death certificate
- Court marriage vs full wedding: the real cost gap in Nepal
- How much does an MBBS degree cost in Nepal?
- Divorce and money in Nepal: property division, maintenance and the financial reset
- Bal Bachat: should you open a bank savings account in your child's name in Nepal?
- Financial proof for a student visa from Nepal: blocked accounts, GIC, and bank balance certificates
- The real cost of having a baby in Kathmandu: delivery to first year
- Saving for your child's education in Nepal: the 18-year plan
- How to pay foreign university tuition from Nepal, the legal way (SWIFT/TT)
- How couples in Nepal should manage money: joint account, separate, or both?
- DV lottery winners: the real cost to settle in the US from Nepal
- Inheritance and wills in Nepal: what happens to your money if you don't write one
- Women's property rights in Nepal: ansha, parental property, and the marital share
- Aging parents' medical fund: how much to set aside in your 30s in Nepal
- Money talks with parents in Nepal: 5 conversations to have before they retire
- When parents ask for your salary: navigating money in a Nepali joint family
- Cost of raising a child in Nepal: birth to Class 12, line by line
- Realistic Nepali wedding budget: what Rs 5 lakh, Rs 15 lakh, and Rs 50 lakh actually buy in Kathmandu
- Bike vs car vs ride-share in Kathmandu: the real monthly cost
- EV vs petrol in Nepal: the break-even km is shorter than you think
- Sending your child abroad to study: the 12-month FX and savings runway