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.
Does a family member's CIB blacklist affect you? Spouse, parent, guarantor and co-applicant cases in Nepal
A blacklisted borrower's household family is not blacklisted under NRB's 2082 directive, but banks need board approval to lend to them. The case-by-case rules.
- 12 min read
Health insurance for parents over 60 in Nepal: which policies still take them, the premiums and the government fallback
Few Nepali policies take a new applicant past 60, none publish senior premiums, and pre-existing illness waits two to four years. The layered plan that works.
- 12 min read
- 10 min read
Lock in before the hike? The 12-month WiFi prepay math in Nepal
A 12-month WiFi plan in Nepal costs about 12% less than paying quarterly. What prepaying saves, what it does not protect you from, and who should do it.
- 10 min read
Mobile data vs home fibre after the hike: is a Ncell or NTC data pack now cheaper in Nepal?
Ncell's Rs 799 pack gives 200 GB with unlimited calls; home fibre now starts near Rs 815 to Rs 1,075. When mobile data beats WiFi in Nepal, and when it doesn't.
- 8 min read
The Rs 30 billion tax bill behind Nepal's internet price hike
Nepal's ISPs billed half your internet as tax-free maintenance. The Supreme Court ended that, leaving a Rs 30 arba tax bill and a threatened 50-100% price hike.
- 8 min read
Rs 751 to Rs 905 overnight: why your WiFi bill just went up in Nepal (and the bigger hike coming)
From Asoj 19, 2083, Nepal's ISPs stopped selling plans below 50 Mbps, and Subisu's cheapest went from Rs 751 to Rs 905. What changed, why, and what comes next.
- 10 min read
Your Food budget is four budgets: splitting groceries, khaja, eating out and delivery in Nepal
NRB's new price index moved restaurants out of food, and afternoon khaja now outweighs lunch in it. Why one Food line hides four budgets, and how to split it.
- 16 min read
- 16 min read
Your Gulf employer owes you: end-of-service gratuity and unpaid wages, country by country, and how to claim from Nepal
What a Nepali worker is owed in rupees on leaving the UAE, Qatar, Saudi, Kuwait, Oman or Bahrain, the one-year claim clocks, and what Nepal can recover.
- 16 min read
What return should you actually assume in Nepal? The number your SIP and retirement math depends on
Thirty years of NEPSE, twelve years of NRB deposit rates and a decade of gold and inflation, turned into the return to type into your SIP and retirement math.
- 17 min read
- 14 min read
Online betting in Nepal: the law, the blocked sites, and what Rs 5,000 a week costs over 10 years
Betting is a crime in Nepal under Penal Code Section 125: up to a year in jail, Rs 10,000 and the stake forfeited. Rs 5,000 a week is Rs 26 lakh over a decade.
- 11 min read
Can you borrow against your life insurance policy in Nepal? Policy loan vs personal loan
Nepali insurers charge around 10 to 14% on a policy loan, compounding every six months. Everest Bank lends against the same policy at 8% fixed. Full comparison.
- 12 min read
How many flats does it take to retire on rent in Kathmandu? The honest yield math
Kathmandu flats yield roughly 2 to 4% gross and closer to 2.3% net, so retiring on rent takes about Rs 5 crore of property. The math, and the tax that changed.
- 17 min read
What Dashain actually costs a Kathmandu family of four in 2083: the Rs 40,000 version and the Rs 1.2 lakh version
Two Dashain budgets for a Kathmandu family of four, priced from Kalimati, NOC and DoTM rates. Even the lean one beats the lowest civil servant's festival pay.
- 14 min read
Paid the manpower agency and never flew: the refund Section 20 guarantees, and how to file at DoFE
If the agency did not send you within three months of your labour permit, Section 20(2) owes you every rupee back plus 25 percent a year, inside 30 days.
- 22 min read
Missing after the Trishuli flood: claiming life insurance, bank deposits and SSF when there is no death certificate
Nepal's Civil Code says twelve years, with a disaster exception that names no waiting period. What the gap means for a life claim, bank balance and SSF pension.
- 11 min read
How to file a flood insurance claim in Nepal after the Rasuwa-Nuwakot flood
What actually pays out after Nepal's Rasuwa-Nuwakot flood: home and life insurance claims, why land itself can't be insured, and the process insurers promised.
- 8 min read
How the Rasuwa flood wiped out three hydropower stocks on NEPSE overnight
Three NEPSE hydropower stocks hit their daily circuit limits after the August 2026 Rasuwa flood. What happened to each plant, and what it means for holders.
- 12 min read
How to donate to Nepal's PM Disaster Relief Fund without getting scammed
Donating to Nepal's PM Disaster Relief Fund after the August 2026 Trishuli floods: verified channels, the full Section 12B deduction, fake QR codes to avoid.
- 3 min read
Kharchapatra is now on Google Play — the Android app for Nepali personal finance
Kharchapatra's Android app is on Google Play: statement imports, budgets, goals, encrypted offline storage and biometric lock, synced with the web dashboard.