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Saving & Budgeting

Emergency fund, savings rate, sinking funds, the monthly money review, and the silent leaks that drain a Kathmandu paycheck.

  • 9 min read

    Going abroad for work from Nepal: what it really costs, and the scams

    A Gulf job should cost about Rs 18,000 out of pocket; workers routinely pay Rs 130,000–700,000. The real cost, the payback math, and how the overcharging works.

    GuideNepalForeign EmploymentScamsRemittancePersonal Finance
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  • 10 min read

    Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained

    Bank deposits in Nepal are guaranteed up to Rs 5,00,000 per person per bank by the DCGF — but only at NRB-licensed banks, not co-operatives. What's covered.

    GuideNepalBankingSavingDCGF
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  • 11 min read

    Breaking an FD early in Nepal: how much interest you actually lose

    Break an FD early and the bank pays the lower completed-period rate minus a 1–3% penalty, so your yield can slip below a savings account. The loss math inside.

    GuideNepalBankingFDSaving
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  • 8 min read

    A 30-day no-spend challenge adapted for a Nepali salary

    A 30-day no-spend challenge built for a Nepali salary: what counts as essential, which month to pick, and how much a Kathmandu earner can realistically recover.

    GuideNepalBudgetingSpendingSavingKathmandu
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  • 8 min read

    The daily Rs 200 leak: what small Kathmandu habits cost you over a year

    Rs 200 a day in small Kathmandu habits is Rs 73,000 a year. What coffee, momo, rides, and data packs really cost, and what the leak becomes if you redirect it.

    GuideNepalBudgetingSpendingKathmanduSaving
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  • 9 min read

    Pay yourself first: automating savings on a Nepali salary before you can spend it

    How to automate savings on a Nepali salary: salary-day standing instructions, recurring deposit auto-debit, ConnectIPS SIP e-mandates, and wallet auto-save.

    GuideNepalSavingBudgetingAutomationSalary
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  • 10 min read

    Why FD rates keep changing in Nepal: base rate and the NRB corridor

    FD rates fell from 11–12% in 2079/80 to 5–7% now. The base rate, the NRB interest-rate corridor, and the liquidity glut behind the drop, in plain numbers.

    GuideNepalBankingFDNRB
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  • 8 min read

    How your savings account interest is actually calculated in Nepal

    Banks compute it on your daily balance, not the month's low, then credit quarterly. The formula, why Rs 1 lakh at 5% pays ~Rs 415/month, and the 6% TDS.

    GuideNepalBankingSavings
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  • 9 min read

    Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal

    A budgeting system for Nepali freelancers and shopkeepers with swinging income: budget to your floor, pay yourself a salary, and set aside tax on receipt.

    GuideNepalBudgetingFreelanceCashflowTax
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  • 8 min read

    How to buy your first share on NEPSE: the TMS step-by-step

    A Demat account alone won't let you buy a share. Here is the full chain — Demat, Mero Share, broker, and TMS — and how to place your first NEPSE buy order.

    GuideNepalNEPSEInvestingPersonal Finance
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  • 8 min read

    FPO vs IPO in Nepal: what's the difference and should you apply?

    An IPO sells at Rs 100; an FPO can cost Rs 157 or Rs 280. Why FPOs carry a premium, how allotment works, and whether the listing gain is worth it.

    GuideNepalNEPSEIPOInvesting
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  • 8 min read

    Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier

    Why your eSewa or Khalti transfer got blocked: the NRB caps, the KYC cliff at Rs 5,000, and the exact load, balance, and send limits by verification tier.

    GuideNepalDigital MoneyeSewaKhaltiNRB
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  • 9 min read

    What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares

    When someone dies in Nepal, their bank, FD, PF, CIT, SSF, insurance, and shares must each be claimed separately. The documents, the process, and the traps.

    GuideNepalInheritanceEstatePersonal Finance
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  • 7 min read

    What to do with your first salary in Nepal

    Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.

    GuideNepalSalaryBudgetingPersonal Finance
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  • 8 min read

    Coming back to Nepal from abroad: a money checklist for returnees

    Moving back to Nepal after years abroad? The rules on bringing cash and gold home, tax residency, claiming a foreign pension, and where to park your savings.

    GuideNepalRemittanceReturneesTaxPersonal Finance
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  • 8 min read

    Recurring deposit vs FD in Nepal: the math for monthly savers

    A 5% recurring deposit doesn't pay like a 5% FD — the effective return is about half, since your money isn't in for the full term. The math, with current rates.

    GuideNepalBankingSavingFD
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  • 16 min read

    Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money

    The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys ~152 rupees and not a fixed number, and the cost.

    GuideNepalExchange RateNRBPersonal FinanceUSD
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  • 8 min read

    ConnectIPS vs mobile banking: fees, limits, and when to use which

    ConnectIPS or your bank's app? The real fees, the per-transaction limits, and which digital rail to use for each kind of payment in Nepal.

    GuideNepalDigital PaymentsConnectIPSBanking
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  • 11 min read

    FD laddering in Nepal: stay liquid and still earn fixed-deposit rates

    Splitting one big FD into a ladder of 3, 6, and 12-month deposits keeps cash maturing regularly so you skip the premature-withdrawal penalty. The math inside.

    GuideNepalBankingFDInvesting
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  • 11 min read

    Salary negotiation in Nepal: how to ask for an increment without burning the relationship

    Nepal's legal raise floor is about 1.7%/year, below inflation. The data to anchor on, the timing to use, and a script that asks for more without friction.

    GuideNepalSalaryCareerPersonal Finance
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  • 12 min read

    Bank Statement Decoded: 20 Codes and Abbreviations on Your Nepali Statement

    Decode IPS, NCHL, ABBS, RTGS, IBFT, TTR, MICR, and the 13 other codes that show up on every Nepali bank statement. Real limits, real fees, real rules.

    GuideNepalBankingStatement
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  • 13 min read

    How to Choose a Savings Account in Nepal: Beyond the Interest Rate

    Class A banks pay 2.48% to 3.25% on savings in May 2026. The DCGF Rs 5 lakh limit, CAR, NPL, hidden charges, and the four decisions that actually matter.

    GuideNepalBankingSavings
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  • 11 min read

    Lifestyle inflation after a promotion: where your raise really goes

    Got a Rs 35,000/month raise in Nepal? After the tax bracket, inflation, and the slow upgrade of everything, here's what's actually left in your account.

    GuideNepalSalaryBehavioral FinanceCareer
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  • 15 min read

    How Kharchapatra works: a walkthrough of the Nepali finance app, from signup to monthly review

    A start-to-end tour of Kharchapatra — accounts, statements, budgets, goals, analytics, the tax helper, and the 15-minute monthly review.

    GuideNepalKharchapatraProductWalkthroughPersonal Finance
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