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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.

  • 14 min read

    Floating vs Fixed Rate Home Loan in Nepal: The Choice When NRB Base Rate Halved

    Base rate dropped from 7.35% to 5.6% in a year. Floating now sits at 5.73% to 8.77%; fixed at 6.99% to 9.99%. The break-even math and which to pick.

    GuideNepalBorrowingHome LoanReal Estate
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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

    Gratuity in Nepal: How It's Calculated, When You Get It, and the SSF Overlap

    The 8.33% formula under Labour Act 2074, how SSF subsumed it after 2018, the pre/post-Ashadh 2078 split, and the actual tax you pay on payout.

    GuideNepalRetirementSSFGratuity
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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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  • 12 min read

    How Much Retirement Corpus Do You Need in Nepal? The Rs 2 Crore Math

    Real Kathmandu expense data, a 3.5% safe withdrawal rate, and three corpus targets — Rs 1.7, 2.6, and 3.4 crore — for different retirement lifestyles.

    GuideNepalRetirementFIREPlanning
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  • 12 min read

    Vehicle Insurance in Nepal: Third-Party vs Comprehensive, and What Claims Actually Pay

    Real third-party premiums, comprehensive math, claim payout ratios from 2024 floods and the Gen Z protests, and what your policy quietly excludes.

    GuideNepalInsuranceVehicleBeema
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  • 12 min read

    Health insurance claim process in Nepal: what hospitals actually pay vs reject

    How health insurance claims actually work in Nepal — the HIB government scheme, private insurance flow, rejection patterns, and the 30-day Act 2079 rule.

    GuideNepalInsuranceHealthClaimsPersonal Finance
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  • 12 min read

    Building a house in Kathmandu: a per-aana budget for 2026

    What it costs to build a house in Kathmandu in 2026 — Rs 15–35 lakh per aana finished, with per-sq-ft tiers, material prices, permits, and overruns.

    GuideNepalKathmanduReal EstateHome ConstructionBudget
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  • 14 min read

    Property registration costs in Nepal: malpot, kitta-kat, and the hidden Rs lakh on a Rs 1 crore plot

    What buyer and seller actually pay at Malpot when registering property in Kathmandu Valley — the 5.3% registration fee, 7.5/10% CGT, and a Rs 1 crore worked example.

    GuideNepalKathmanduReal EstateTaxProperty
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  • 13 min read

    Capital gains tax on property in Nepal: the 7.5% and 10% math nobody explains

    What sellers actually pay transferring land or a house in Nepal — 7.5% long-term, 10% short-term, base cost rules, malpot advance tax, and three worked examples.

    GuideNepalTaxReal EstateLandPersonal Finance
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  • 12 min read

    Dashain bonus and tax: why your Kartik salary slip looks weird

    Section 37 gives you one month's basic as festival expense. Why your Kartik slip looks odd: the whole bonus is taxable and TDS gets re-projected for the year.

    GuideNepalTaxSalaryPayrollPersonal Finance
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  • 12 min read

    Women's property rights in Nepal: ansha, parental property, and the marital share

    What the Constitution 2072 and Civil Code 2074 give Nepali women: equal coparcener status, parental ansha, widow's share, and the 25% registration discount.

    GuideNepalWomenPropertyInheritancePersonal Finance
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  • 13 min read

    Aging parents' medical fund: how much to set aside in your 30s in Nepal

    How much to set aside for aging parents' medical care in Nepal: the HALE gap, single-event costs, NHIP and Bipanna caps, and a defensible target by your 30s.

    GuideNepalHealthParentsPersonal FinanceFamily
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  • 12 min read

    Money talks with parents in Nepal: 5 conversations to have before they retire

    Five money talks to have with Nepali parents before retirement: pension, where the money is, property, health, debt — with the law and numbers behind each.

    GuideNepalFamilyRetirementPersonal FinanceInheritance
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  • 12 min read

    Vehicle tax and road tax in Nepal: the annual bill nobody plans for

    What 'road tax' actually means in Nepal, the FY 2082/83 Bagmati rate card, renewal fees, late penalties, and what your scooter or car actually owes each year.

    GuideNepalVehicleTaxKathmanduPersonal Finance
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  • 11 min read

    Insurance agent misselling in Nepal: 5 questions to ask before you sign

    Why Nepali agents push endowment over term, and the 5 questions on commission, surrender value, and real return that surface misselling before you sign.

    GuideNepalInsuranceConsumer Protection
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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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  • 14 min read

    Coast FIRE for Nepal: the age and savings number that lets you stop adding to investments

    The Rupee number that, left to compound, grows into a Nepali retirement corpus by age 60 — three expense scenarios, three age cohorts, 5% real return.

    GuideNepalFIRECoast FIRERetirementInvestingCompounding
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  • 14 min read

    When parents ask for your salary: navigating money in a Nepali joint family

    How much salary should you actually give your parents in a Nepali joint family? The law, the data, and three honest scenarios — Kathmandu numbers, not advice.

    GuideNepalJoint FamilyPersonal FinanceSalaryKathmandu
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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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  • 13 min read

    Land plotting scams in the Kathmandu Valley: 6 red flags before you book a plot

    Civil Homes, fake lalpurja, flood-zone colonies — six concrete red flags from real Kathmandu plotting scams, with KVDA and DUDBC rules to verify against.

    GuideNepalLandReal EstateKathmanduScams
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  • 14 min read

    Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify

    What to check before paying the bayana — lalpurja, char killa, kitta, tirja, malpot receipts, rokka, naksha pass — with real Kathmandu Valley costs.

    GuideNepalLandReal EstateKathmanduPersonal Finance
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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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