KharchapatraKharchapatra
Blog · खर्चपत्र

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.

  • 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. The lean one still exceeds the lowest civil-service festival expense.

    GuideNepalKathmanduBudgetingFamilyPersonal Finance
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  • 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.

    GuideNepalForeign EmploymentLegalConsumer ProtectionScams
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  • 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 that gap means for a life claim, a bank balance and an SSF pension.

    GuideNepalInsuranceInheritanceClaimsLegal
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  • 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 have promised.

    GuideNepalInsuranceDisaster ReliefClaims
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  • 8 min read

    How the Rasuwa flood wiped out three hydropower stocks on NEPSE overnight

    Three NEPSE-listed hydropower stocks hit their daily circuit limits after the August 2026 Rasuwa flood. What actually happened to each plant, and what it means if you hold the shares.

    NEPSENepalHydropowerInvestingDisaster
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  • 12 min read

    How to donate to Nepal's PM Disaster Relief Fund without getting scammed

    How to donate to Nepal's PM Disaster Relief Fund after the August 2026 Trishuli floods: verified channels, the full Section 12B tax deduction, and the fake QR codes to avoid.

    GuideNepalDisaster ReliefDonationsTaxScams
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  • 3 min read

    Kharchapatra is now on Google Play — the Android app for Nepali personal finance

    Kharchapatra's Android app is live on Google Play: statement imports, budgets, goals, encrypted offline storage and biometric lock, synced with the web dashboard.

    AnnouncementKharchapatraProductNepalPersonal Finance
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  • 18 min read

    Paid by QR in Nepal? Where your IRD prize coupon actually is, app by app

    IRD enters your QR payment in the Rs 1 lakh draw automatically, then leaves every bank to decide where the coupon appears. Here is the screen, app by app.

    GuideNepalTaxIRDDigital Payments
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  • 19 min read

    Someone offered you Rs 10,000 a month to use your bank account. That makes you a money mule

    Lending your bank account for a monthly fee makes you a money mule. The exposure in Nepal: up to 15 years, a fine of twice the amount, and a frozen account.

    GuideNepalFraudBankingDigital MoneyPersonal Finance
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  • 10 min read

    Rs 21 kharba in remittance came home this year. Here is the receiving family's playbook

    Nepal received Rs 2,120 billion in remittance in 11 months while savings rates fell to 2.75%. What the family at home should do with the money, step by step.

    GuideNepalRemittanceForeign EmploymentSavingBudgeting
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  • 14 min read

    Is SIP a scam in Nepal? Auditing seven years of the country's oldest SIP fund

    The marketing says 12.74% a year. Seven years of NIBL Sahabhagita's own filings say about 8.3%. Here is where the gap comes from, and what is actually a scam.

    InvestingNepalMutual FundsSIPNEPSE
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  • 11 min read

    SEBON's 2026 IPO reform: what book building and the 50-kitta minimum change for retail

    SEBON's 2026 reform pushes Nepal off fixed Rs 100 IPO pricing toward book building, where the minimum application is 50 kitta, not 10. What actually changes, and when.

    GuideNepalNEPSEIPOSEBONInvesting
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  • 10 min read

    Short selling, share lending and intraday trading are coming to NEPSE: what actually changes

    SEBON's Shrawan 2083 consultation paper proposes margin lending, securities lending and covered short selling on NEPSE. What each one does to a buy-and-hold portfolio.

    GuideNepalNEPSESEBONInvestingShort Selling
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  • 16 min read

    Your eSewa and Khalti wallet needs a National ID number by 17 October 2026

    NRB's 24 July circular gives 27.4 million wallet users until end of Ashwin 2083 to add a National ID number. What it says, what it leaves out, and what to do.

    GuideNepaleSewaKhaltiNational IDNRB
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  • 14 min read

    The 80% first-home loan in Nepal: four conditions decide whether you actually get it

    Nepal's first-home buyer rule allows 80% LTV up to Rs 3 crore. Four NRB conditions gate it, a 70% income test caps it, and only some banks offer it.

    GuideNepalHome LoanNRBReal EstateBanking
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  • 13 min read

    Your savings account pays 2.75%. Inflation is 5.22%. What a year of that costs

    Nepali banks pay 2.75% on savings while inflation runs 5.22%. When the real return went negative, what Rs 1 lakh loses in a year, and the 1pp you can claim.

    GuideNepalSavingBankingNRB
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  • 16 min read

    Rs 25,000 at a time: how Nepal's problematic cooperative refund actually works

    Nepal started refunding problematic cooperative depositors in May 2026. The priority ladder, the Rs 25,000 instalments, the 35-day claim window, and who gets nothing.

    GuideNepalCooperativeSahakariDepositorsConsumer Protection
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  • 13 min read

    How to register a cash bill at prize.ird.gov.np and enter Nepal's Rs 1 lakh daily draw

    Nepal's taxpayer gift portal is live at prize.ird.gov.np. The eight fields it asks for, the deadline that voids your bill, and why only 3,427 people have used it.

    GuideNepalTaxIRDDigital Payments
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  • 18 min read

    Nepal's bill lottery: the government now pays Rs 1,33,334 a day for asking for a receipt

    Nepal's taxpayer incentive gift programme turns every PAN bill into a lottery ticket. Rs 1,33,334 daily, Rs 10 lakh fortnightly, minus a 25% windfall tax.

    GuideNepalTaxVATIRD
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  • 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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