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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.

  • 7 min read

    What to do if your employer isn't depositing your SSF contributions on time

    Nepal gives employers 25 days to deposit your SSF contribution, with 10% interest and real fines for defaulting. How to check your balance and escalate.

    GuideNepalRetirementSSFLabour Rights
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  • 7 min read

    Is your life insurance maturity payout taxable in Nepal?

    Nepal taxes only the profit over premiums paid on a life insurance maturity payout, at a 5% final TDS, not the payout itself. The exact mechanism, worked through.

    GuideNepalInsuranceLife InsuranceTax
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  • 9 min read

    A-class vs B-class vs C-class bank in Nepal: does it matter for your FD or savings account?

    Class A, B, and C banks in Nepal differ in paid-up capital and regulatory tier, not deposit-insurance coverage. What actually changes for your FD or savings account.

    GuideNepalBankingSavingNRBFD
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  • 9 min read

    Contract versus permanent staff in Nepal: the PF, SSF, and leave gap

    Nepal's Labour Act applies PF, SSF, and gratuity almost regardless of the 'contract' label on your job. The real gap between contract and permanent staff is job security, not benefits.

    GuideNepalRetirementSSFLabour ActSalary
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  • 9 min read

    Malpot valued your land too high? How a property-tax appeal actually works in Nepal

    There is no clean, documented appeal process for a Malpot land valuation or municipal property tax in Nepal. What the law actually says, and what to do instead.

    GuideNepalTaxReal EstateMalpot
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  • 9 min read

    Renting your apartment on Airbnb in Nepal: the tax rules nobody has actually written

    Nepal has no law written for Airbnb-style rentals. Here's what the homestay rules, rent-tax rules, and Airbnb's own policies actually say, and where the gaps are.

    GuideNepalReal EstateTaxAirbnbDigital Money
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  • 9 min read

    Daraz, COD, and online shopping rights in Nepal: what protection you actually have

    Nepal passed a real E-Commerce Act in 2025. What it actually guarantees on Daraz, COD parcels, and wallet payments, and where the law still leaves you exposed.

    GuideNepalDigital MoneyConsumer ProtectionE-commerceScams
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  • 8 min read

    Sole proprietorship vs Pvt Ltd in Nepal: which one actually pays less tax

    A Nepali proprietorship is taxed like a salary. A Pvt Ltd is taxed twice, corporate rate then dividend tax. Here's the actual math, and where the trade-off flips.

    GuideNepalTaxSmall BusinessFreelanceCompany Registration
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  • 8 min read

    How much does Teej actually cost? What's provable, and what nobody has ever measured

    Saree prices, bangle sales, and vegetable spikes around Teej in Nepal are documented. A total household budget figure isn't. Here's what the data actually shows.

    GuideNepalFestivalsBudgetingTeejPersonal Finance
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  • 8 min read

    Cardless cash withdrawal at Nepali ATMs: how it works and which banks support it

    Forgot your debit card? Several Nepali banks let you pull cash from an ATM using just your mobile banking app and an OTP. The mechanism, the limits, who supports it.

    GuideNepalBankingATMMobile Banking
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  • 8 min read

    How to close a bank account in Nepal without losing your balance to a hidden fee

    Nepali banks can't charge a closure fee at all, under an NRB consumer-protection rule. The actual process, the myths, and what to check before you sign the form.

    GuideNepalBankingFeesNRB
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  • 9 min read

    Hydropower IPOs in Nepal: why they oversubscribe and whether the rush is worth it

    Nepali hydropower IPOs routinely oversubscribe 8 to 38 times. The odds, the listing-day pops, and why 56 of 91 listed hydropower firms have never paid a dividend.

    GuideNepalInvestingNEPSEIPOHydropower
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  • 8 min read

    Odd lot shares on NEPSE: what to do with the leftover shares after you sell

    Bonus shares and a partial sale can leave you holding 1 to 9 leftover NEPSE units. How the odd-lot order actually works in TMS, and why fixed charges hurt it most.

    GuideNepalInvestingNEPSESharesTMS
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  • 8 min read

    Why the bank's property valuation is lower than the market price you agreed to pay

    Your home loan is capped as a percentage of the bank's own valuation, not your purchase price, and those two rarely match. Why the gap exists, and who pays for it.

    GuideNepalHome LoanReal EstateNRBValuation
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  • 7 min read

    The FD auto-renewal trap: how your fixed deposit can quietly earn less after maturity

    A Nepali bank FD can auto-renew at today's much lower rate, or by one bank's terms, pay zero interest if you never gave clear instructions. The fine print, decoded.

    GuideNepalBankingFixed DepositNRB
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  • 9 min read

    What insurance actually covers a Pathao or inDrive rider hurt on the job

    Compulsory third-party insurance in Nepal doesn't cover a rider's own injury. Here's what actually pays out when a Pathao or inDrive driver crashes.

    GuideNepalInsuranceGig EconomyPathaoinDrive
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  • 8 min read

    Switched jobs mid-year? Reconciling TDS from two employers before you file

    Each Nepali employer withholds tax as if you earned nothing elsewhere. Switch jobs mid-year and the combined income usually owes more than either employer withheld.

    GuideNepalTaxTDSSalaryIRD
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  • 10 min read

    What happens to your shares if your broker or DP shuts down in Nepal?

    79,000 investors had money stuck when SEBON suspended a broker in April 2026. What actually happened to their shares, and what CDSC custody protects you from.

    GuideNepalNEPSEInvestingBrokerCDSC
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  • 7 min read

    What a real NEPSE portfolio manager charges, and how a fake 'advisor' scam differs

    Nabil Invest asks Rs 5 lakh minimum and a written 2-year contract. A fake 'advisor' asks for your Mero Share password and nothing in writing. The difference.

    GuideNepalNEPSEInvestingScamSEBON
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  • 11 min read

    Visa vs Mastercard vs UnionPay: which Nepali debit card actually saves you money abroad

    A foreign ATM withdrawal costs USD 2 to USD 5 depending on the bank, not the card network. Which Nepali debit product actually costs least abroad, bank by bank.

    GuideNepalBankingDebit CardTravel
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  • 12 min read

    Cooperative loans in Nepal: collateral rules and what happens if the sahakari collapses

    A sahakari loan doesn't disappear if the cooperative collapses in Nepal — the debt survives, the depositor fund won't touch you, and CIB can still blacklist you.

    GuideNepalLoansCooperativesDebtPersonal Finance
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  • 11 min read

    Snowball vs avalanche: the fastest way to clear multiple loans in Nepal

    A Nepali household juggling a credit card at 24%, a gold loan, and a personal loan needs a payoff order, not just a budget. Here's the real math and the real rates.

    GuideNepalLoansDebtBudgetingPersonal Finance
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  • 11 min read

    Group health insurance from your employer vs buying your own policy in Nepal

    Nepal's Labour Act obliges your employer to cover just Rs 1 lakh in medical costs, and it vanishes the day you resign. Here's what that gap actually costs.

    GuideNepalInsuranceHealthEmploymentPersonal Finance
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  • 10 min read

    Joint bank account rules for married couples in Nepal

    Nepali banks default a joint account to Either-or-Survivor, but the money still needs a death certificate to move, and nomination stops once an account is joint.

    GuideNepalBankingCouplesFamilyPersonal Finance
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