Investing
NEPSE, mutual funds, IPOs, gold, cooperative FDs, debentures, and the schemes that look like investments but are not.
- 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 - 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 - 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 - 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 - 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 - 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
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 - 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 - 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
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 - 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 - 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
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 - 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