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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.

  • 13 min read

    Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%

    A 'Zero EMI' phone on Daraz or NIC Asia Instabuy carries a 5–10% fee — an effective 17–19% APR. The Nepal-specific math, the providers, and the trap.

    GuideNepalCredit CardsPersonal LoansConsumer FinancePersonal 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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  • 17 min read

    Cost of raising a child in Nepal: birth to Class 12, line by line

    An honest, citation-backed breakdown of raising one child in Nepal — delivery, vaccines, Montessori, school fees, +2, healthcare, ceremonies — in three tiers.

    GuideNepalFamilyEducationBudgetPersonal Finance
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  • 13 min read

    The first Rs 10 lakh: why it's harder than the next 10 (and what that means on a Nepali salary)

    Why your first Rs 10 lakh takes years and the next takes far less — at Nepal's FD, CIT and NEPSE rates — and the order of operations to get there.

    GuideNepalSavingInvestingCompoundingPersonal 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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  • 16 min read

    Sending money home to Nepal: hundi vs bank vs remit app for NRNs

    NRNs send Nepal over Rs 200bn a month. The legal channels, the fee and FX math, what hundi costs when prosecuted, and the NRN benefits most never claim.

    GuideNepalNRNRemittanceHundiBankingPersonal 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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  • 16 min read

    Health emergency cost map Nepal: Bir vs Patan vs private hospitals, and what insurance actually covers

    What an ICU bed, surgery, and cardiac care actually cost across Bir, Patan, and private hospitals in Nepal — and where insurance leaves a gap you pay.

    GuideNepalHealth InsuranceHospitalEmergencyNHIPBir HospitalPatan HospitalCost
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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

    Nepal income tax brackets 2082/83: a salaried person's cheat sheet

    The exact income tax slabs for FY 2082/83, with take-home math for Rs 30k–2L monthly salaries, the SSF waiver, the 10% female rebate, and key deductions.

    GuideNepalTaxSalaryPersonal FinanceBikram Sambat
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  • 14 min read

    Term life insurance in Nepal: the cheapest plans for a 30-year-old (and why most ‘term’ plans aren't actually cheap)

    What pure-term life insurance costs in Nepal at age 30, the eight insurers who sell it, why return-of-premium plans cost 1.5–3× more, and how to choose.

    GuideNepalInsuranceTerm InsuranceLife InsurancePersonal Finance
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  • 13 min read

    Realistic Nepali wedding budget: what Rs 5 lakh, Rs 15 lakh, and Rs 50 lakh actually buy in Kathmandu

    What a Rs 5L, 15L, and 50L wedding actually looks like in Nepal — venue, catering, gold, attire, photography, decor — with real per-plate and per-tola numbers.

    GuideNepalWeddingBudgetKathmanduPersonal Finance
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  • 14 min read

    Dollar account in Nepal: how much USD you can legally hold and where to keep it

    USD account Nepal 2026: who qualifies, NRB holding and spending limits, the freelancer 5% tax, and which bank pays the highest USD savings rate.

    GuideNepalDollar AccountFCYUSDNRNFreelanceNRB
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  • 14 min read

    Personal loan vs gold loan vs overdraft: which Nepali debt is cheapest in 2026

    Personal loan vs gold loan vs overdraft in Nepal 2026: rates, LTV, fees, and tenure compared across commercial banks to find the cheapest debt.

    GuideNepalLoanPersonal LoanGold LoanOverdraftDebtBorrowing
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  • 12 min read

    Two-wheeler EMI math: why that रू 3 lakh Pulsar actually costs रू 4.2 lakh

    Bike loan in Nepal 2026: how a Rs 3 lakh Pulsar becomes Rs 4.2 lakh once registration, insurance, EMI interest, and 3 years of road tax are added.

    GuideNepalBike LoanTwo WheelerEMIPulsarVehicle LoanBagmati
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  • 12 min read

    Health and life insurance basics in Nepal: term, endowment, and what your agent won't volunteer

    Term vs endowment, NHIP, private health cover, and the Rs 40,000 tax deduction — what to buy first in Nepal and what to skip.

    GuideNepalInsuranceLife InsuranceHealth InsuranceTax
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  • 13 min read

    Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal

    Home loan EMI formula in Nepal, NRB's 80% LTV cap for first-time buyers, floating-rate resets, and prepayment math — with a calculator.

    GuideNepalHome LoanEMIReal EstateBanking
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  • 55 min read

    Nepal Money Basics: a complete guide to personal finance in Nepal

    A pillar guide to personal finance in Nepal — taxes, salary, saving, retirement (CIT/PF/SSF), insurance, home loans, NEPSE, and budgeting in NPR.

    GuideNepalPersonal FinanceHubPillar
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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

    The beginner's roadmap to financial independence in Nepal

    How financial independence actually works on a Nepali salary — the FI number, the 4% rule, and a step-by-step path through SSF, CIT, FDs, and mutual fund SIPs.

    GuideNepalFIREInvestingRetirement
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  • 9 min read

    The monthly money review: a 15-minute ritual that fixes most budgets

    Most budgets fail for lack of a check-in, not a plan. A monthly review — five questions, fifteen minutes — that surfaces leaks before they compound.

    GuideHabitBudgetingReviewNepal
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  • 12 min read

    7 hidden subscriptions eating your monthly budget — Nepal edition

    Streaming trials, AI tools, shared plans you stopped using. The seven categories where the leak is biggest in Nepal — plus a 30-minute audit that fixes it.

    GuideNepalSavingSubscriptions
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  • 13 min read

    Remote work income: managing USD earnings in an NPR reality

    You earn in dollars, you live in rupees. The legal channels for receiving foreign income in Nepal, the 5% withholding scheme, and a setup that won't leak money.

    GuideNepalFreelanceRemote WorkUSDTax
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