Money, in Nepali.
Tips and stories for navigating personal finance in Nepal — statement imports, fiscal-year budgeting in BS, tax slabs, and the little spreadsheet hacks we wish we'd known sooner.
- 9 min read
Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal
A budgeting system for Nepali freelancers and shopkeepers whose income swings month to month: budget to your floor, pay yourself a salary, and set aside tax on receipt.
GuideNepalBudgetingFreelanceCashflowTaxRead post - 9 min read
Cheque bounce in Nepal: the fine, the blacklist, and the law
What a bounced cheque now costs in Nepal: the 2025 graded jail terms, the 5% penalty, CIB blacklisting on a single bounce, and the police-led process from notice to court.
GuideNepalBankingChequeLegalCIBRead post - 11 min read
How to pay foreign university tuition from Nepal, the legal way (SWIFT/TT)
How to legally send foreign university tuition from Nepal: the NOC, NRB's USD 25,000 limit, SWIFT vs Flywire vs draft, real bank fees, and the 3% education service fee.
GuideNepalStudy AbroadForeign ExchangeTuitionRemittanceRead post - 8 min read
How to get a tax clearance certificate in Nepal
How to get a tax clearance certificate (कर चुक्ता प्रमाणपत्र) in Nepal: who needs it, the prerequisites, the instant online route for salaried earners, fee, validity, and rejections.
GuideNepalTaxIRDComplianceRead post - 8 min read
How to buy your first share on NEPSE: the TMS step-by-step
A Demat account alone won't let you buy a share. Here is the full chain — Demat, Mero Share, broker, and TMS — and how to place your first NEPSE buy order.
GuideNepalNEPSEInvestingPersonal FinanceRead post - 11 min read
Buying an apartment in Kathmandu: the real cost beyond the sticker price
A Rs 1.5 crore apartment in Kathmandu rarely costs Rs 1.5 crore. Loading factor, registration, furnishing, and monthly dues are the gaps nobody quotes up front.
GuideNepalKathmanduReal EstatePersonal FinanceRead post - 8 min read
FPO vs IPO in Nepal: what's the difference and should you apply?
An IPO sells at Rs 100. An FPO can cost Rs 157 or Rs 280. Here is why FPOs are priced at a premium, how allotment works, and whether the listing gain is worth it.
GuideNepalNEPSEIPOInvestingRead post - 8 min read
PAN vs VAT in Nepal: when a freelancer or small shop must register for VAT
PAN is the taxpayer ID everyone needs. VAT is a separate registration triggered at Rs 50 lakh turnover for goods, Rs 30 lakh for services. Here is which you need, and when.
GuideNepalTaxVATFreelanceRead post - 8 min read
Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier
Why your eSewa or Khalti transfer got blocked: the NRB caps, the KYC cliff at Rs 5,000, and the exact load, balance, and send limits for verified and unverified wallets.
GuideNepalDigital MoneyeSewaKhaltiNRBRead post - 9 min read
Government and citizen savings bonds in Nepal: rates, tenure, and how to buy through NRB
Nepal's treasury bills, development bonds, and citizen savings bonds: what they pay (7 to 12.5%), the Rs 10,000 minimum, and how to buy one through NRB.
GuideNepalInvestingBondsNRBFixed IncomeRead post - 8 min read
What it costs to buy and sell shares on NEPSE: broker commission, SEBON fee, and DP charge
The real cost of a NEPSE trade: the 0.36% to 0.24% broker commission slabs, the 0.015% SEBON fee, the Rs 25 DP charge, and the 7.5% capital gains tax, worked on Rs 1 lakh.
GuideNepalInvestingNEPSESharesTaxRead post - 9 min read
How to claim a life insurance payout after a death in Nepal
How to claim a life insurance death benefit in Nepal: the documents, the settlement timeline, the nominee law under Act 2079, and why claims get rejected.
GuideNepalInsuranceLife InsuranceClaimsPersonal FinanceRead post - 9 min read
What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares
When someone dies in Nepal, their bank, FD, PF, CIT, SSF, insurance, and shares must each be claimed separately. The documents, the process, and the traps.
GuideNepalInheritanceEstatePersonal FinanceRead post - 7 min read
What to do with your first salary in Nepal
Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.
GuideNepalSalaryBudgetingPersonal FinanceRead post - 10 min read
The government Health Insurance Program in Nepal: the Rs 3,500 family plan, explained
Nepal's government Health Insurance Program covers a family of five for Rs 3,500/year up to Rs 1 lakh. How to enroll, what it pays, and the 2026 funding crisis.
GuideNepalInsuranceHealthHIBPersonal FinanceRead post - 8 min read
Coming back to Nepal from abroad: a money checklist for returnees
Moving back to Nepal after years abroad? The rules on bringing cash and gold home, tax residency, claiming a foreign pension, and where to park your savings.
GuideNepalRemittanceReturneesTaxPersonal FinanceRead post - 9 min read
Loan against your FD or shares in Nepal: cheaper than a personal loan?
Borrow up to 90% of an FD at roughly its own rate plus 2%, or 70% against NEPSE shares, while the asset keeps working. The full cost and risk math vs a personal loan.
GuideNepalLoansFDNEPSERead post - 8 min read
Do you need a PAN if you only earn a salary in Nepal?
Short answer: effectively yes, since 2019 your employer can't book your salary as a deductible expense without your PAN. But the reason, and the filing rules, surprise most people.
GuideNepalTaxPANIRDRead post - 8 min read
Recurring deposit vs FD in Nepal: the math for monthly savers
A 5% recurring deposit does not pay like a 5% FD. The real effective return is roughly half, because your money isn't in for the full term. Here's the math, with current rates.
GuideNepalBankingSavingFDRead post - 9 min read
How to surrender a life insurance policy in Nepal, and what you lose
Surrender value in Nepal starts only after 3 years, and the first two years' premiums largely funded agent commission. The full math on GSV, tax, and your three exits.
GuideNepalInsuranceLife InsuranceEndowmentRead post - 16 min read
Closed-end vs open-end mutual funds in Nepal: NAV, discount, and which to pick
Closed-end funds list on NEPSE and trade below NAV; open-end funds transact at NAV with the manager. The full split on pricing, loads, tax, and which to pick.
GuideNepalMutual FundInvestingNAVSEBONRead post - 15 min read
How couples in Nepal should manage money: joint account, separate, or both?
Joint account, separate, or hybrid for Nepali couples — the three models, plus the couple-vs-individual tax election, joint nominee, and the Rs 100 land conversion.
GuideNepalCouplesTaxPropertyPersonal FinanceRead post - 14 min read
Being a loan guarantor in Nepal: the full-debt risk before you sign someone's papers
A jamani in Nepal is liable for the full debt on default and can be CIB-blacklisted. The Civil Code 2074 rules, the collateral-first order since 2080, and the exit.
GuideNepalBorrowingGuarantorCIBCreditRead post - 11 min read
How to legally lower your income tax in Nepal: insurance, CIT, and donation deductions
The deductions that legally cut your Nepali income tax: retirement up to Rs 5 lakh, life insurance Rs 40,000, health Rs 20,000, donations, and the women's 10% rebate.
GuideNepalTaxDeductionsCITInsuranceRead post - 11 min read
Home loan balance transfer in Nepal: switching banks for a lower rate
Swapping a Rs 50 lakh loan from 11% to 8.5% saves Rs 7,600/month and breaks even in about 12 months. NRB caps the swap fee at 0.75%. The full cost math.
GuideNepalHome LoanBorrowingBankingRead post - 16 min read
Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money
The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys 152 rupees and not a fixed number, and what it costs you.
GuideNepalExchange RateNRBPersonal FinanceUSDRead post - 12 min read
Can an NRN invest in NEPSE and buy property in Nepal? The rules for 2082/83
The honest 2082/83 rules: NRNs cannot yet trade NEPSE's secondary market, but a SEBON joint-investment route, mutual funds, and property up to set ceilings are open.
GuideNepalNRNNEPSEInvestingPropertyRead post - 12 min read
How to start a SIP in a Nepali mutual fund: the Rs 1,000-a-month route
How to start a SIP in a Nepali open-end mutual fund from Rs 1,000/month: the demat setup, ConnectIPS auto-debit, NAV, loads, tax, and a 20-year worked example.
GuideNepalSIPMutual FundInvestingSEBONRead post - 8 min read
What the 2083/84 budget changes at Rs 30k, 50k, 1 lakh and 2 lakh a month
What Nepal's 2083/84 budget saves you in tax at Rs 30k, 50k, 1 lakh and 2 lakh a month: from Rs 0 for the lowest earner to about Rs 2.5 lakh a year at the top.
GuideNepalBudgetSalaryTaxPersonal FinanceRead post - 9 min read
EV prices after Nepal's 2083/84 budget: the kW-to-value duty switch, explained
Nepal's FY 2083/84 budget replaced motor-power EV duty with a flat 20% customs plus a 2.5%-to-130% value-based fee. Cheap EVs barely move; premium ones jump.
GuideNepalBudgetEVTaxTransportRead post - 10 min read
Government pay rose up to 21% in the 2083/84 budget: the new scale and your real take-home
Nepal's FY 2083/84 budget raised government pay up to 21% from Shrawan 2083, and lifted the 1% tax floor to Rs 10 lakh, so almost the whole rise reaches take-home.
GuideNepalBudgetSalaryTaxGovernmentRead post - 8 min read
Your Shrawan 2083 payslip: the TDS and take-home change after the budget
From Shrawan 2083, Nepal's new slabs hit your payslip: if your taxable pay is under Rs 10 lakh, monthly TDS can drop to near zero. What changes, and what to check.
GuideNepalBudgetSalaryTaxPayrollRead post - 11 min read
Capital gains tax on shares in Nepal: 5% or 7.5%, and who deducts it
What you actually pay selling shares on NEPSE — 5% long-term, 7.5% short-term, the weighted-average-cost gain math, who withholds it at settlement, and the hike coming in FY 2083/84.
GuideNepalTaxInvestingNEPSESharesRead post - 8 min read
How much foreign currency can you carry out of Nepal? Passport endorsement and the limits
The USD 3,000 passport facility, the USD 5,000 cash declaration line, the education and medical quotas, the new Indian-rupee rule, and the USD 500 card cap, for FY 2082/83.
GuideNepalFXTravelNRBPersonal FinanceRead post - 9 min read
Getting paid from abroad in Nepal: Wise vs Payoneer vs bank wire
How Nepali freelancers actually receive foreign payments — Wise to a personal bank account, Payoneer for marketplaces, SWIFT wires, why PayPal still fails, and the 5% tax on it all.
GuideNepalFreelanceFXTaxRemote WorkRead post - 9 min read
Hundi vs the bank: the real cost of sending money home the illegal way
Hundi looks cheaper than a bank transfer for sending money to Nepal, until you price the tail risk. The fee gap, the exchange-rate edge, the 3x fine, and what formal channels now cost.
GuideNepalRemittanceForeign EmploymentFXPersonal FinanceRead post - 8 min read
ConnectIPS vs mobile banking: fees, limits, and when to use which
ConnectIPS or your bank's app? The real fees, the per-transaction limits (Rs 20 lakh vs your bank's cap), and which digital rail to use for each kind of payment in Nepal.
GuideNepalDigital PaymentsConnectIPSBankingRead post - 10 min read
DV lottery winners: the real cost to settle in the US from Nepal
What a Nepali DV winner actually pays to reach the US: the $330 visa fee, $235 green-card fee, the IOM medical, flights, and the landing buffer that nobody budgets for.
GuideNepalDV LotteryUSAForeign ExchangeDiasporaRead post - 9 min read
Final settlement when you quit a job in Nepal: PF, gratuity and leave encashment
What your employer owes when you resign in Nepal: unpaid salary, leave encashment, PF and gratuity, accrued bonus, the 15-day deadline, and the 5% tax on the lump sum.
GuideNepalLabour LawRetirementSalaryTaxRead post - 8 min read
Car loan in Nepal: down payment, interest, and the real monthly cost
NRB caps car loans at 60% of value, so you bring 40% down. Here's the FY 2082/83 LTV rule, current auto-loan rates, a worked EMI on a Rs 42 lakh car, and the monthly cost beyond the EMI.
GuideNepalAuto LoanBorrowingCarRead post - 11 min read
FD laddering in Nepal: stay liquid and still earn fixed-deposit rates
Splitting one big FD into a ladder of 3, 6, 12-month and longer deposits keeps a chunk maturing regularly so you skip the premature-withdrawal penalty. Here's the math at current 2082/83 rates.
GuideNepalBankingFDInvestingRead post - 10 min read
How much home loan can you actually get on your salary in Nepal?
Banks approve the lower of two numbers: what your salary can service and what the LTV cap allows. Here's the FY 2082/83 math, with a salary-to-loan table at 80% LTV and 8% rates.
GuideNepalHome LoanBorrowingBankingRead post - 7 min read
What got cheaper and what got costlier in Nepal's 2083/84 budget
Nepal's 2083/84 budget cut customs on 273 raw materials and scrapped excise on 360 items, while cigarettes, alcohol, and high-use electricity got costlier. What is confirmed.
GuideNepalTaxBudgetConsumerPersonal FinanceRead post - 7 min read
New income tax slabs in Nepal's 2083/84 budget: how much more (or less) you pay
Nepal's 2083/84 budget doubled the 1% tax floor to Rs 10 lakh and cut the top rate to 29%. What is confirmed, what is still in the Finance Bill, and the saving by income.
GuideNepalTaxBudgetSalaryPersonal FinanceRead post - 8 min read
Nepal Budget 2083/84 and your money: what changed for salary, tax, and savings
Nepal's FY 2083/84 budget doubled the income tax exemption to Rs 10 lakh, cut the top rate to 29%, raised public pay ~21%, and added a 10% VAT cashback on digital payments.
GuideNepalTaxBudgetSalaryPersonal FinanceRead post - 15 min read
Margin lending on NEPSE: the math that wipes out small accounts
At 70% LTV, a 30% NEPSE drop deletes 100% of your equity. The 2021-to-2022 drawdown was 43%. Here's the actual math behind bank margin loans, broker MTF, the new SEBON 2082 directive, and why retail accounts vanish during corrections.
GuideNepalNEPSEInvestingRiskMargin LendingRead post - 14 min read
Switching jobs in Nepal: what happens to your PF, CIT, and SSF balance
Your retirement money doesn't move with your laptop. Here's what actually happens to your PF, CIT, and SSF balance when you change jobs in Nepal — and the three mistakes most people make in the handover month.
GuideNepalRetirementPFSSFCITCareerRead post - 14 min read
Tax on FD interest in Nepal: the 5% TDS you never noticed
Your bank quietly skims 5% off every rupee of interest your fixed deposit pays. Here's how the math works, why it's a final tax (not adjustable against your slab), and the one Rs 25,000 exemption that doesn't apply to your bank.
GuideNepalTaxFDInvestingTDSRead post - 11 min read
Creator income tax in Nepal: how YouTube, TikTok, and brand-deal payouts get taxed
FY 2082/83 introduced a flat 5% final tax on foreign-currency creator income up to Rs 40 lakh, deducted by the bank. Brand deals follow different rules. Here is exactly how the math works for a Nepali YouTuber, streamer, or influencer.
GuideNepalTaxCreatorsYouTubeTikTokRead post - 13 min read
Inheritance and wills in Nepal: what happens to your money if you don't write one
The Muluki Civil Code 2074 governs intestate succession in Nepal. Daughters inherit equally with sons since 2007. There is no estate tax. The bottleneck is execution — here is what to do this week to make the eventual settlement easier on the family you leave behind.
GuideNepalInheritanceWillsFamilyPersonal FinanceCivil CodeRead post - 11 min read
Salary negotiation in Nepal: how to ask for an increment without burning the relationship
The legal floor in Nepal is roughly 1.7%/year — well below inflation. Here is the data to anchor on, the timing to use, and the conversation script that asks for more without breaking the relationship.
GuideNepalSalaryCareerPersonal FinanceRead post - 12 min read
TDS in Nepal explained: why your salary takes a haircut before you ever see it
What TDS actually is, why payroll computes it as annual-tax-divided-by-12, the rates on rent and dividend and shares, and how Annexure 10 lets you verify every paisa the company deposited for you.
GuideNepalTaxSalaryTDSPersonal FinanceRead post - 13 min read
How to file income tax online in Nepal: an IRD taxpayer-portal walkthrough
The IRD taxpayer portal at taxpayerportal.ird.gov.np handles D-01, D-02, and D-03 returns. Who has to file, which form fits, deductions to claim, and the Ashoj-end deadline that catches people.
GuideNepalTaxIRDFilingPANRead post - 11 min read
IPO allotment in Nepal: how the lottery actually works and why everyone gets 10 kitta
With 6.8 million demat holders and a typical hydropower IPO issuing 12–30 lakh shares, the SEBON 10-kitta rule mathematically forces a lottery outcome. Recent IPOs hit 21x to 38x oversubscription.
GuideNepalNEPSEIPOInvestingSEBONRead post - 11 min read
QR payment fraud in Nepal: the three Fonepay scams Kathmandu shopkeepers see daily
Fake-screenshot, sticker-overlay, and OTP-refund are the three QR scams running across Kathmandu. The Cyber Bureau logged 217 wallet cases this year. Here is how each works and how to stop them.
GuideNepalFraudFonepayDigital PaymentsCyber CrimeRead post - 12 min read
Bank Statement Decoded: 20 Codes and Abbreviations on Your Nepali Statement
Decode IPS, NCHL, ABBS, RTGS, IBFT, TTR, MICR, and the 13 other codes that show up on every Nepali bank statement. Real limits, real fees, real rules.
GuideNepalBankingStatementRead post - 12 min read
CIB Blacklist in Nepal: How You Get On It and How to Get Off
150,000 Nepalis blacklisted as of Nov 2025. The triggers (single cheque bounce, 90-day default, Rs 1M threshold), the 6-step removal, and the Dec 2025 NRB easing.
GuideNepalBankingCIBCreditRead post - 12 min read
Credit Card in Nepal: When It Makes Sense and When It's a Trap
Only 3.18 lakh cards in a country of 1.35 crore debit cards. The 27% APR, USD 2,000 ecom cap, OTP scams, and the four cases where a credit card is the right tool.
GuideNepalBankingCredit CardRead post - 13 min read
Education Loan in Nepal: Banks, Rates, and the Co-Sign Reality
Rs 138 billion left Nepal for foreign education in FY 2024/25. Bank rates from 5.64% to 16.3%, the USD 25,000 NRB cap, the 3% Education Service Fee, and what co-signers actually risk.
GuideNepalBorrowingEducationStudy AbroadRead post - 13 min read
Floating vs Fixed Rate Home Loan in Nepal: The Choice When NRB Base Rate Halved
Base rate dropped from 7.35% to 5.6% in a year. Floating now sits at 5.73% to 8.77%; fixed at 6.99% to 9.99%. The break-even math and which to pick.
GuideNepalBorrowingHome LoanReal EstateRead post - 13 min read
Gold as Investment in Nepal: Tola Math, Storage, and the 5-Year Return
Nepali gold prices, the 16% per-year CAGR over 10 years, customs duty, 2% luxury tax, making-charge math, and what your tola actually buys back.
GuideNepalInvestmentGoldRead post - 11 min read
Gratuity in Nepal: How It's Calculated, When You Get It, and the SSF Overlap
The 8.33% formula under Labour Act 2074, how SSF subsumed it after 2018, the pre/post-Ashadh 2078 split, and the actual tax you pay on payout.
GuideNepalRetirementSSFGratuityRead post - 13 min read
How to Choose a Savings Account in Nepal: Beyond the Interest Rate
Class A banks pay 2.48% to 3.25% on savings in May 2026. The DCGF Rs 5 lakh limit, CAR, NPL, hidden charges, and the four decisions that actually matter.
GuideNepalBankingSavingsRead post - 12 min read
How Much Retirement Corpus Do You Need in Nepal? The Rs 2 Crore Math
Real Kathmandu expense data, a 3.5% safe withdrawal rate, and three corpus targets — Rs 1.7 crore, Rs 2.6 crore, and Rs 3.4 crore — for different retirement lifestyles.
GuideNepalRetirementFIREPlanningRead post - 11 min read
Vehicle Insurance in Nepal: Third-Party vs Comprehensive, and What Claims Actually Pay
Real third-party premiums, comprehensive math, claim payout ratios from 2024 floods and the Gen Z protests, and what your policy quietly excludes.
GuideNepalInsuranceVehicleBeemaRead post - 12 min read
Health insurance claim process in Nepal: what hospitals actually pay vs reject
How health insurance claims actually work in Nepal — the HIB government scheme, private insurance flow, rejection patterns, and the 30-day Act 2079 rule.
GuideNepalInsuranceHealthClaimsPersonal FinanceRead post - 12 min read
Building a house in Kathmandu: a per-aana budget for 2026
What it costs to build a house in Kathmandu in 2026 — Rs 15–35 lakh per aana finished, with per-sq-ft tiers, material prices, permits, and overruns.
GuideNepalKathmanduReal EstateHome ConstructionBudgetRead post - 13 min read
Property registration costs in Nepal: malpot, kitta-kat, and the hidden Rs lakh on a Rs 1 crore plot
What the buyer and seller actually pay at Malpot when registering property in Nepal — 5% registration fee, 5/7.5% CGT, Bagmati surcharge, and a Rs 1 crore worked example.
GuideNepalKathmanduReal EstateTaxPropertyRead post - 11 min read
Capital gains tax on property in Nepal: the 5% and 7.5% math nobody explains
What sellers actually pay when transferring land or a house in Nepal — 5% long-term, 7.5% short-term, base cost rules, malpot advance tax, and three worked examples.
GuideNepalTaxReal EstateLandPersonal FinanceRead post - 12 min read
Dashain bonus and tax: why your Kartik salary slip looks weird
Section 37 entitles you to one month's basic as festival expense. The slip looks weird in Kartik because the entire bonus is taxable and TDS gets re-projected for the year.
GuideNepalTaxSalaryPayrollPersonal FinanceRead post - 12 min read
Women's property rights in Nepal: ansha, parental property, and the marital share
What the Constitution 2072 and Civil Code 2074 actually give Nepali women — equal coparcener status, parental ansha after marriage, widow's share, divorce property, and the 25% registration discount.
GuideNepalWomenPropertyInheritancePersonal FinanceRead post - 13 min read
Aging parents' medical fund: how much to set aside in your 30s in Nepal
How much to set aside for aging parents' medical care in Nepal: the HALE gap, single-event costs, NHIP and Bipanna caps, and a defensible target by your 30s.
GuideNepalHealthParentsPersonal FinanceFamilyRead post - 12 min read
Money talks with parents in Nepal: 5 conversations to have before they retire
Five money conversations to have with Nepali parents before retirement: pension, where the money is, property, health, debt — with the law and numbers behind each.
GuideNepalFamilyRetirementPersonal FinanceInheritanceRead post - 12 min read
Vehicle tax and road tax in Nepal: the annual bill nobody plans for
What 'road tax' actually means in Nepal, the FY 2082/83 Bagmati rate card, renewal fees, late penalties, and what your scooter or car actually owes each year.
GuideNepalVehicleTaxKathmanduPersonal FinanceRead post - 10 min read
Insurance agent misselling in Nepal: 5 questions to ask before you sign
Why Nepali agents push endowment over term, and the 5 questions about commission, surrender value, and real return that surface every misselling tactic before you sign.
GuideNepalInsuranceConsumer ProtectionRead post - 10 min read
Lifestyle inflation after a promotion: where your raise really goes
Got a Rs 35,000/month raise in Nepal? After the tax bracket, inflation, and the slow upgrade of everything, here's what's actually left in your account.
GuideNepalSalaryBehavioral FinanceCareerRead post - 14 min read
Coast FIRE for Nepal: the age and savings number that lets you stop adding to investments
The Rupee number that, left to compound, grows into a Nepali retirement corpus by age 60 — three expense scenarios, three age cohorts, 5% real return.
GuideNepalFIRECoast FIRERetirementInvestingCompoundingRead post - 14 min read
When parents ask for your salary: navigating money in a Nepali joint family
How much salary should you actually give your parents in a Nepali joint family? The law, the data, and three honest scenarios — Kathmandu numbers, not advice.
GuideNepalJoint FamilyPersonal FinanceSalaryKathmanduRead post - 15 min read
How Kharchapatra works: a walkthrough of the Nepali finance app, from signup to monthly review
A start-to-end tour of Kharchapatra — accounts, statements, budgets, goals, analytics, the tax helper, and the 15-minute monthly review.
GuideNepalKharchapatraProductWalkthroughPersonal FinanceRead post - 13 min read
Land plotting scams in the Kathmandu Valley: 6 red flags before you book a plot
Civil Homes, Sudhir Basnet, fake lalpurja, flood-zone colonies — six concrete red flags from real Kathmandu plotting scams, with KVDA and DUDBC rules to verify against.
GuideNepalLandReal EstateKathmanduScamsRead post - 14 min read
Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify
What to check before paying the bayana — lalpurja, char killa, kitta, tirja, malpot receipts, rokka, banda patra, naksha pass — with real Kathmandu Valley costs.
GuideNepalLandReal EstateKathmanduPersonal FinanceRead post - 11 min read
MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'
Pyramid schemes in Nepal cost Rs 3.79 billion in the Unity Life case alone. Here's how to recognise one before you pay the joining fee — law, math, and red flags.
GuideNepalScamsMLMPyramid SchemePersonal FinanceRead post - 12 min read
NEPSE sectors decoded: banking vs hydro vs microfinance vs insurance — risk/return reality
Each NEPSE sector behaves differently — earnings, P/E, dividends, dilution, NPL. Here is the honest sector-by-sector map with 2025/26 numbers.
GuideNepalNEPSEInvestingStocksPersonal FinanceRead post - 12 min read
Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%
A 'Zero EMI' phone on Daraz or NIC Asia Instabuy looks free but carries a 5–10% processing fee, which translates to an effective 17–19% APR. The Nepal-specific math, all the providers, and where the trap is.
GuideNepalCredit CardsPersonal LoansConsumer FinancePersonal FinanceRead post - 13 min read
Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?
Bonus and cash dividend hand you something. A right share asks you to write a fresh cheque at Rs 100. Here's how the three corporate actions differ, and when each builds or destroys wealth on NEPSE.
GuideNepalInvestingNEPSERight SharesPersonal FinanceRead post - 17 min read
Cost of raising a child in Nepal: birth to Class 12, line by line
An honest, citation-backed breakdown of what it costs to raise one child in Nepal — delivery, vaccinations, Montessori, school fees, +2, healthcare, ceremonies — in three tiers.
GuideNepalFamilyEducationBudgetPersonal FinanceRead post - 13 min read
The first Rs 10 lakh: why it's harder than the next 10 (and what that means on a Nepali salary)
The math behind why your first Rs 10 lakh takes years and the next one takes much less — at Nepal's FD, CIT, and NEPSE rates — and the order of operations to get there.
GuideNepalSavingInvestingCompoundingPersonal FinanceRead post - 15 min read
Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money
DEMAT renewal, wrong CRN, missed EDIS, applying for the wrong number of units — the Mero Share and CDSC mistakes that quietly cost Nepali retail investors money. A 2026 guide that actually decodes the stack.
GuideNepalInvestingNEPSEMero ShareIPOPersonal FinanceRead post - 16 min read
Sending money home to Nepal: hundi vs bank vs remit app for NRNs
NRNs send Nepal over Rs 200 billion every month. The legal channels, the fee and FX math, what hundi actually costs when prosecuted, and the NRN-only benefits most workers abroad never claim.
GuideNepalNRNRemittanceHundiBankingPersonal FinanceRead post - 16 min read
Crypto and online forex in Nepal: the legal reality, the penalties, and how the scams actually work
Bitcoin, USDT, Binance, MetaTrader, IQ Option, HyperFund — what Nepal's Foreign Exchange Regulation Act and the NRB's 2017, 2021, and 2022 notices actually say, the prison time and fines on the books, and the exact playbook the Telegram-and-WhatsApp scams use on Nepali victims.
GuideNepalCryptoBitcoinForexScamNRBCyber BureauLegalRead post - 15 min read
Health emergency cost map Nepal: Bir vs Patan vs private hospitals, and what insurance actually covers
What an ICU bed, a surgery, and a cardiac procedure actually cost across Bir, Patan, and private hospitals in Nepal — and where National Health Insurance, private cover, and the government subsidy funds leave a gap your family pays.
GuideNepalHealth InsuranceHospitalEmergencyNHIPBir HospitalPatan HospitalCostRead post - 11 min read
Bonus share vs cash dividend in Nepal: which one actually builds wealth (and the 5% tax both pay)
Both bonus shares and cash dividends are taxed at 5% in Nepal — they're legally the same thing. The real difference is when you pay capital gains, and how reinvestment compounds. A Nepali investor's guide with worked examples.
GuideNepalInvestingNEPSEDividendTaxPersonal FinanceRead post - 12 min read
Nepal income tax brackets 2082/83: a salaried person's cheat sheet
The exact income tax slabs for FY 2082/83, with worked take-home math for Rs 30k, 50k, 1L and 2L monthly salaries — plus the SSF 1% waiver, the 10% female rebate, and the deductions most salaried people leave on the table.
GuideNepalTaxSalaryPersonal FinanceBikram SambatRead post - 14 min read
Term life insurance in Nepal: the cheapest plans for a 30-year-old (and why most ‘term’ plans aren't actually cheap)
What pure-term life insurance actually costs in Nepal at age 30, the eight insurers who sell it, why ‘return-of-premium’ plans are 1.5–3× more expensive, and how to pick honestly.
GuideNepalInsuranceTerm InsuranceLife InsurancePersonal FinanceRead post - 13 min read
Realistic Nepali wedding budget: what Rs 5 lakh, Rs 15 lakh, and Rs 50 lakh actually buy in Kathmandu
What a Rs 5L, 15L, and 50L wedding actually looks like in Nepal — venue, catering, gold, attire, photography, decor — with real per-plate and per-tola numbers.
GuideNepalWeddingBudgetKathmanduPersonal FinanceRead post - 14 min read
Dollar account in Nepal: how much USD you can legally hold and where to keep it
USD account Nepal 2026: who qualifies, NRB holding and spending limits, the freelancer 5% tax, and which bank pays the highest USD savings rate.
GuideNepalDollar AccountFCYUSDNRNFreelanceNRBRead post - 14 min read
Personal loan vs gold loan vs overdraft: which Nepali debt is cheapest in 2026
Personal loan vs gold loan vs overdraft in Nepal 2026: rates, LTV, fees, and tenure compared across commercial banks to find the cheapest debt.
GuideNepalLoanPersonal LoanGold LoanOverdraftDebtBorrowingRead post - 12 min read
Two-wheeler EMI math: why that रू 3 lakh Pulsar actually costs रू 4.2 lakh
Bike loan in Nepal 2026: how a Rs 3 lakh Pulsar becomes Rs 4.2 lakh once registration, insurance, EMI interest, and 3 years of road tax are added.
GuideNepalBike LoanTwo WheelerEMIPulsarVehicle LoanBagmatiRead post - 12 min read
Health and life insurance basics in Nepal: term, endowment, and what your agent won't volunteer
Term vs endowment, NHIP, private health cover, and the Rs 40,000 tax deduction — what to buy first in Nepal and what to skip.
GuideNepalInsuranceLife InsuranceHealth InsuranceTaxRead post - 13 min read
Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal
Home loan EMI formula in Nepal, NRB's 80% LTV cap for first-time buyers, floating-rate resets, and prepayment math — with a calculator.
GuideNepalHome LoanEMIReal EstateBankingRead post - 22 min read
Nepal Money Basics: a complete guide to personal finance in Nepal
A pillar guide to personal finance in Nepal — taxes, salary, saving, retirement (CIT/PF/SSF), insurance, home loans, NEPSE, and budgeting in NPR.
GuideNepalPersonal FinanceHubPillarRead post - 13 min read
Are co-operative FDs really safer at 13%? A risk-adjusted look for Nepali savers
Saving co-operatives in Nepal advertise 12–14% on fixed deposits — far above any commercial bank. Here is what the regulator gap, the Rs 87.89 billion embezzlement crisis, and the missing deposit insurance actually mean for your money.
GuideNepalCooperativeSahakariFDFixed DepositRiskRegulationRead post - 16 min read
Reading a Nepali mutual fund factsheet without getting fooled by NAV
A line-by-line guide to the monthly factsheet that Nepali mutual fund schemes publish — NAV vs market price, AUM, expense ratio, top holdings, sector allocation, and the metrics that actually predict performance.
GuideNepalMutual FundInvestingNAVSEBONFactsheetRead post - 10 min read
The beginner's roadmap to financial independence in Nepal
How financial independence actually works on a Nepali salary — the FI number, the 4% rule, and a step-by-step path through SSF, CIT, FDs, and mutual fund SIPs.
GuideNepalFIREInvestingRetirementRead post - 9 min read
The monthly money review: a 15-minute ritual that fixes most budgets
Most budgets fail not for lack of a plan, but lack of a check-in. A simple monthly review — five questions, fifteen minutes — that surfaces leaks before they compound.
GuideHabitBudgetingReviewNepalRead post - 11 min read
7 hidden subscriptions eating your monthly budget — Nepal edition
Streaming trials, AI tools, family-shared plans you stopped using. The seven categories where the leak is biggest in Nepal — plus a 30-minute audit that fixes it for the year.
GuideNepalSavingSubscriptionsRead post - 13 min read
Remote work income: managing USD earnings in an NPR reality
You earn in dollars. You live in rupees. The legal channels for receiving foreign income in Nepal, the 5% withholding scheme, and a working setup that doesn't leak money or run afoul of NRB rules.
GuideNepalFreelanceRemote WorkUSDTaxRead post - 10 min read
Bike vs car vs ride-share in Kathmandu: the real monthly cost
A Wagon R looks like Rs 33 lakh and a Pulsar looks like Rs 3 lakh. Run the full math — fuel, road tax, insurance, depreciation, opportunity cost — and the answer for most Kathmandu commuters changes.
GuideNepalKathmanduTransportPersonal FinanceRead post - 10 min read
EV vs petrol in Nepal: the break-even km is shorter than you think
Nepal's tax structure means a Tata Tiago EV is cheaper than a Suzuki Wagon R on day one — and saves another रू 96,000/year in fuel. Here is the full math, with the hidden costs nobody quotes.
GuideNepalKathmanduEVTransportPersonal FinanceRead post - 9 min read
The 72-hour rule: a cheap trick that kills most impulse buys over Rs. 5,000
Wait three days before any non-essential purchase over रू 5,000. The urge usually fades, the maths usually changes, and the wallet stays full — here's how to set it up in Nepal.
GuideNepalBehavioral FinanceSpendingRead post - 10 min read
NEPSE vs SIP vs FD for a 25-year-old in Kathmandu
If you're 25, salaried in Kathmandu, and have spare money beyond your auto-deductions — here's how to think about NEPSE direct, mutual fund SIPs, and FDs without falling for the headline returns.
GuideNepalInvestingNEPSESIPFDYoung InvestorRead post - 9 min read
Sinking funds: the trick that makes Dashain and Tihar spending painless
Festival spending isn't an emergency — it happens every year, on a known date. A sinking fund spreads the cost across 12 months so Dashain stops borrowing from January.
GuideNepalSavingFestivalsDashainRead post - 10 min read
FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal
A 1-year, 5-year, and 10-year projection on रू 1,00,000 across a Nepali fixed deposit, an equity mutual fund, and the Citizen Investment Trust — with tax, lock-in, and risk priced in.
GuideNepalInvestingFDMutual FundCITTaxRead post - 9 min read
Renting vs buying in Kathmandu: the spreadsheet most people skip
Most rent-or-buy advice skips registration fees, opportunity cost, and the early-EMI interest tax. Here is the spreadsheet — with 2026 Kathmandu numbers.
GuideNepalKathmanduReal EstatePersonal FinanceRead post - 10 min read
Sending your child abroad to study: the 12-month FX and savings runway
The 12-month plan for funding a child's study abroad from Nepal — NOC, NRB foreign exchange limits, visa show money, and a month-by-month savings runway.
GuideNepalStudy AbroadForeign ExchangeSavingRead post - 11 min read
EPF to SSF: what changes the day your employer switches you over
Your basic doesn't change, your bank deposit might dip, and your retirement math gets rewritten. A line-by-line walk-through of what moves when your employer migrates from PF to the Social Security Fund.
GuideNepalSalaryRetirementPFSSFTaxRead post - 13 min read
Side income and freelance tax in Nepal: what to declare and what to set aside
Foreign-currency freelance income gets a flat 5% final tax via the bank. Domestic side income joins your salary slabs. A practical playbook for what to set aside, what to file, and when.
GuideNepalTaxFreelanceSide IncomeTDSRead post - 8 min read
The Bikram Sambat budgeting year: why your real fiscal year starts in Shrawan, not January
Nepal's fiscal and tax year runs Shrawan to Asar — not January to December. Why your salary, taxes, and budget cycle should follow it.
GuideNepalBudgetingBikram SambatFiscal YearTaxRead post - 7 min read
How big should your emergency fund be in Kathmandu? A 3-month vs 6-month vs 12-month gut check
How big should your emergency fund be in Kathmandu? 3 months is the floor, 6 is comfortable, 12 is for the self-employed — with real रू numbers.
GuideNepalSavingEmergency FundKathmanduRead post - 10 min read
CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal
PF and SSF you don't really choose — your employer does. CIT is the lever you actually control. Here's how to decide whether the next रू 1,000 of retirement money should go to CIT, more PF/SSF, or somewhere else entirely.
GuideNepalRetirementTaxCITPFSSFRead post - 7 min read
How much should you save from your salary in Nepal? The 50/30/20 rule, adapted for रुपैयाँ
What the 50/30/20 rule looks like at रू 25,000, रू 50,000, and रू 80,000+ a month in Nepal, and where to actually put what you save.
GuideNepalSavingBudgetingSalaryRead post - 9 min read
How to read your Nepali salary slip: PF, SSF, CIT, TDS, and what every line actually means
A line-by-line guide to the Nepali payslip — what gets added, what gets deducted, and why your gross salary and your take-home are so far apart.
GuideNepalSalaryTaxPayrollRead post - 3 min read
Welcome to Kharchapatra — a personal finance tracker for Nepal
Why we built a budget app around Nepali bank statements, रुपैयाँ, and Bikram Sambat — and what you can do with it from day one.
AnnouncementNepalPersonal FinanceRead post