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Investing

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

  • 10 min read

    Debentures in Nepal: the 10–12% bonds most retail investors ignore

    Bank debentures pay 7–9% on new issues, with older 10–12% bonds still on NEPSE. How to buy via ASBA, the 6% tax, the credit rating, and the FD comparison.

    GuideNepalInvestingDebenturesNEPSEBonds
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  • 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 Income
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  • 9 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: 0.24–0.36% broker commission slabs, the 0.015% SEBON fee, the Rs 25 DP charge, and 7.5% capital gains tax, worked on Rs 1 lakh.

    GuideNepalInvestingNEPSESharesTax
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  • 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 FundInvestingNAVSEBON
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  • 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 can't yet trade NEPSE's secondary market, but a SEBON joint-investment route, mutual funds, and capped property are open.

    GuideNepalNRNNEPSEInvestingProperty
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  • 13 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 FundInvestingSEBON
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  • 15 min read

    Margin lending on NEPSE: the math that wipes out small accounts

    At 70% LTV, a 30% NEPSE drop wipes out 100% of your equity. The real math behind bank margin loans, broker MTF, and the new SEBON 2082 directive.

    GuideNepalNEPSEInvestingRiskMargin Lending
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  • 12 min read

    IPO allotment in Nepal: how the lottery actually works and why everyone gets 10 kitta

    With 6.8 million demat holders and IPOs issuing 12–30 lakh shares, SEBON's 10-kitta rule forces a lottery. Recent IPOs hit 21x–38x oversubscription.

    GuideNepalNEPSEIPOInvestingSEBON
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  • 14 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, the 20% customs duty, the skill promotion fee, making-charge math, and what your tola actually buys back.

    GuideNepalInvestmentGold
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  • 11 min read

    MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'

    Pyramid schemes cost Nepal Rs 3.79 billion in the Unity Life case alone. How to recognise one before you pay the joining fee — the law, the math, the red flags.

    GuideNepalScamsMLMPyramid SchemePersonal Finance
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  • 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 Finance
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  • 13 min read

    Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?

    Bonus and cash dividends hand you something; a right share asks for a fresh cheque at Rs 100. How the three NEPSE corporate actions differ, and when each pays.

    GuideNepalInvestingNEPSERight SharesPersonal Finance
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  • 16 min read

    Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money

    DEMAT renewal, wrong CRN, missed EDIS, wrong unit counts — the Mero Share and CDSC mistakes that quietly cost Nepali retail investors money. A 2026 guide.

    GuideNepalInvestingNEPSEMero ShareIPOPersonal Finance
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  • 17 min read

    Crypto and online forex in Nepal: the legal reality, the penalties, and how the scams actually work

    What Nepal's Foreign Exchange Act and NRB's 2017–2022 notices actually say on Bitcoin, USDT and Binance — the fines, the jail terms, and how the scams work.

    GuideNepalCryptoBitcoinForexScamNRBCyber BureauLegal
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  • 12 min read

    Bonus share vs cash dividend in Nepal: which one actually builds wealth (and the 5% tax both pay)

    Bonus shares and cash dividends are both taxed 5% in Nepal — legally the same thing. The real difference is when you pay capital gains, with worked examples.

    GuideNepalInvestingNEPSEDividendTaxPersonal Finance
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  • 13 min read

    Are co-operative FDs really safer at 13%? A risk-adjusted look for Nepali savers

    Nepali co-operatives advertise 12–14% on FDs, far above banks. What the regulator gap, the Rs 87.89bn embezzlement crisis, and no deposit insurance mean.

    GuideNepalCooperativeSahakariFDFixed DepositRiskRegulation
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  • 16 min read

    Reading a Nepali mutual fund factsheet without getting fooled by NAV

    A line-by-line guide to the monthly factsheet Nepali mutual funds publish — NAV vs market price, AUM, expense ratio, holdings, and the metrics that matter.

    GuideNepalMutual FundInvestingNAVSEBONFactsheet
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  • 10 min read

    NEPSE vs SIP vs FD for a 25-year-old in Kathmandu

    If you're 25 and salaried in Kathmandu with spare money, how to weigh NEPSE direct, mutual fund SIPs, and FDs without falling for the headline returns.

    GuideNepalInvestingNEPSESIPFDYoung Investor
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  • 10 min read

    FD vs Mutual Fund vs CIT: where रू 1,00,000 actually grows fastest in Nepal

    A 1, 5, and 10-year projection on Rs 1 lakh across a Nepali FD, an equity mutual fund, and the Citizen Investment Trust — tax, lock-in and risk priced in.

    GuideNepalInvestingFDMutual FundCITTax
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