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Kharchapatra
Blog · Investing

Investing in Nepal

Buying your first share on NEPSE, IPO allotment and ASBA, SIPs and mutual funds, debentures, gold by the tola, and the schemes that only look like investments. Costs, taxes and realistic returns, with no stock picks.

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  1. How to buy your first share on NEPSE: the TMS step-by-step
  2. IPO allotment in Nepal: how the lottery actually works and why everyone gets 10 kitta
  3. How to start a SIP in a Nepali mutual fund: the Rs 1,000-a-month route
  4. FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal
  5. What return should you actually assume in Nepal? The number your SIP and retirement math depends on

Run your own numbers with the SIP calculator.

  • 12 min read

    Old paper share certificates in Nepal: how to dematerialise them and recover stranded bonus shares and dividends

    NEPSE went demat-only in Magh 2072, yet about 75 crore shares are still on paper. The DRF steps, lost certificates, and the bonus and dividends left behind.

    GuideNepalNEPSEDematSharesCDSC
  • 14 min read

    You just received Rs 20 lakh in Nepal: the deployment decision tree

    Where a Rs 20 lakh bonus, gratuity or land sale goes when a one-year FD pays 3%, inflation is 5.96% and NEPSE sits at 2,630: debt, buffer, then a phased menu.

    GuideNepalInvestingSavingReturneesDashain
  • 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.

    GuideNepalInvestingSavingRetirementFIRE
  • 17 min read

    Why your bank shares stopped paying dividends: the Rs 70 arba profit that became a 2% payout

    Commercial banks earned Rs 69.78 arba in FY 2082/83, yet four can't pay a rupee and Kumari offers 2.1%. Distributable profit, regulatory reserve and bad loans.

    GuideNepalInvestingNEPSEBankingDividend
  • 13 min read

    Auction (lilami) shares on NEPSE: how unclaimed rights get sold, and whether bidding is worth it

    Four recent NEPSE auctions cleared 6.5% to 13.6% under market price. How lilami bidding works, why the floor is Rs 100, and when the cut-off math turns on you.

    GuideNepalNEPSEInvestingShares
  • 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.

    NEPSENepalHydropowerInvestingDisaster
  • 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 FundSIPNEPSE
  • 11 min read

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

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

    GuideNepalNEPSEIPOSEBONInvesting
  • 10 min read

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

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

    GuideNepalNEPSESEBONInvestingShort Selling
  • 10 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 hydro firms have never paid a dividend.

    GuideNepalInvestingNEPSEIPOHydropower
  • 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 with 1 to 9 leftover NEPSE units. How the odd-lot order actually works in TMS, and why fixed charges hurt it most.

    GuideNepalInvestingNEPSESharesTMS
  • 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
  • 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.

    GuideNepalNEPSEInvestingScamsSEBON
  • 8 min read

    What your Demat and Meroshare account really cost in Nepal

    Demat opening, annual renewal, Meroshare fee, the Rs 25 DP charge and ASBA costs in Nepal, split from trading commission: the true cost of holding shares.

    GuideNepalDematMero ShareInvestingNEPSE
  • 8 min read

    The foreign-employment IPO quota: how migrant workers get 10% reserved shares in Nepal

    Nepali migrant workers get 10% of every IPO reserved for them. The rule, the bank-account and Demat setup from abroad, and a worked Himalayan Re example.

    GuideNepalIPOInvestingForeign EmploymentRemittance
  • 9 min read

    'Forex trading' and binary-option apps in Nepal: why they're illegal and how the scam works

    Online forex and binary-option trading isn't legal for Nepal residents, and most of it is a withdrawal scam. The law, the penalty, and how the trap runs.

    GuideNepalScamsForexConsumer ProtectionFraud
  • 10 min read

    Can a Nepali resident legally buy US stocks? The 2082/83 rules

    Can a Nepali resident legally open Interactive Brokers and buy Apple or Tesla shares? What the Investment Abroad Act and NRB rules actually allow in 2082/83.

    GuideNepalInvestingNRBUS StocksLegal
  • 10 min read

    Fake share-tip Telegram groups and pump-and-dump in NEPSE

    How paid Telegram and Viber stock-tip groups and pump-and-dump operators work in NEPSE, what Nepal's Securities Act actually punishes, and how to spot the trap.

    GuideNepalNEPSEInvestingScamsSEBON
  • 8 min read

    What is ASBA and how IPO money gets blocked in your bank account

    ASBA blocks your IPO money in your own bank account instead of taking it. How the block works, what you need to apply, and what happens when the lottery runs.

    GuideNepalNEPSEIPOASBAInvesting
  • 10 min read

    Where Rs 5 lakh would be today: land vs NEPSE vs gold vs FD (10-year look-back)

    Rs 5 lakh invested in 2016 in land, NEPSE, gold, or an FD: what each is worth in 2026, with the CAGR, the taxes, and the catch the headline numbers hide.

    GuideNepalInvestingGoldNEPSEReal Estate
  • 11 min read

    SIP vs lump sum in Nepali mutual funds: which actually builds more

    SIP or lump sum into a Nepali mutual fund? The global evidence, NEPSE's volatility, and a worked rupee example showing when each one builds more.

    GuideNepalSIPMutual FundInvestingNEPSE
  • 8 min read

    Gold just hit record highs: what to weigh before you buy a tola now

    Gold hit Rs 339,300 a tola in Nepal in early 2026. Before you buy at a record, the making-charge spread, taxes, and peak risk that decide what it really costs.

    GuideNepalInvestingGoldSaving
  • 8 min read

    NEPSE near record highs: how to judge if the market is expensive

    NEPSE's valuations sit near record highs even with the index below its 2021 peak. How to read P/E, market-cap-to-GDP, and dividend yield to judge it.

    GuideNepalInvestingNEPSEShares
  • 9 min read

    How NEPSE settlement works: T+2, circuit breakers and when your shares actually arrive

    How NEPSE's T+2 settlement works, when your shares and money actually arrive, and the new 5%/8% circuit breakers and 15% daily limit after the April 2026 rules.

    GuideNepalNEPSEInvestingShares