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.
- 11 min read
Monsoon floods and your vehicle: what insurance actually pays for a drowned engine
Flood is a covered peril in Nepali comprehensive motor insurance; third-party pays zero. The Rs 12.88 billion 2024 claims record, and the cranking mistake that voids a payout.
GuideNepalInsuranceVehicleMonsoonBeemaRead post - 10 min read
The Asar masanta money checklist: what to pay before Nepal's fiscal year closes on July 16
Nepal's FY 2082/83 ends 16 July 2026. What must be paid before Asar masanta: retirement top-ups to the Rs 5 lakh cap, insurance premiums, and the final advance-tax installment.
TaxNepalDeductionsFiscal YearCITRead post - 11 min read
NEA electricity tariff slabs decoded: why crossing 20 units changes your whole bill
Nepal's NEA domestic tariff, decoded: the free 20 units for 5A homes, the Rs 3 retro-charge when you cross it, the service-charge staircase, and the new 5% VAT above 50 units.
GuideNepalElectricityNEAHousehold BudgetRead post - 13 min read
Pathao and InDrive rider income: what you owe the taxman and what you can deduct
Most Kathmandu riders owe less income tax than they fear. From Shrawan 2083 the platform skims 1% off every payout anyway. The regimes, the math, the deductions.
TaxNepalGig EconomyPathaoIncomeRead post - 9 min read
Your salary account has perks you're not using: fee waivers, loan discounts, free accident cover
Nepali banks bundle salary accounts with up to Rs 10 lakh accident cover, overdrafts of 1.5x salary, and free demat accounts. What each bank gives, and the fine print.
BankingNepalSalaryAccountsGuideRead post - 8 min read
Court marriage vs full wedding: the real cost gap in Nepal
A Nepali court marriage costs a few thousand rupees in fees. A lean Kathmandu wedding starts around Rs 5 lakh. Both make you equally married. The math behind the choice.
GuideNepalWeddingFamilyBudgetingRead post - 9 min read
Government job vs private job: comparing pension math after 20 years in Nepal
Nepal quietly moved new government hires onto the same SSF pension private-sector workers use. The sarkari-job pension edge is mostly gone. The math, by hire year.
GuideNepalRetirementCareerPensionRead post - 12 min read
Job switch vs staying: how much of a raise justifies changing jobs in Nepal?
A raise from switching jobs in Nepal can shrink fast: a tax return you now must file, a paused SSF medical clock, and pay-in-lieu of notice. The real net, worked out.
GuideNepalSalaryTaxCareerRead post - 8 min read
Is Nepal getting a digital currency? What NRB's CBDC plans mean for your money
NRB has quietly built a digital-currency prototype since 2022 and sent a bill to Parliament in 2026. No pilot exists yet, and eSewa, Khalti, and ConnectIPS aren't it.
GuideNepalBankingDigital PaymentsNRBRead post - 8 min read
The real cost of a 'free' bank account in Nepal
A 'free' Nepali savings account still drips Rs 1,000 to 1,500 a year in SMS, debit-card and app fees. But the below-minimum penalty everyone fears does not exist here.
GuideNepalBankingSavingFeesRead post - 9 min read
How much tax do you pay when you sell gold in Nepal?
Sell your personal gold in Nepal and you owe no capital gains tax, no income tax, no TDS. The 10% CGT and 1.5% TDS you read online are myths. The real cost is the spread.
GuideNepalGoldTaxInvestingRead post - 9 min read
Can you get a bank loan to buy bare land in Nepal?
Yes, Nepali banks lend for bare land, but at about 50% of value inside Kathmandu Valley, half a home loan's leverage. Buying a plot is mostly a cash game. Here's the math.
GuideNepalLoansLandReal EstateRead post - 9 min read
What's the penalty for filing your income tax return late in Nepal?
File your income tax return late in Nepal and you owe two things: a small Section 117 fee and 15% a year interest on unpaid tax. The real cost is the tax clearance you can't get.
GuideNepalTaxIRDFilingRead post - 11 min read
Dhukuti in Nepal: how it works, the real return, and when it collapses
Dhukuti promises above-bank returns from a circle of people you trust. How the bidding really works, why it is banned under Section 14A, and when it collapses.
GuideNepalDhukutiSavingCommitteeRiskRead post - 8 min read
How much does an MBBS degree cost in Nepal?
The MEC caps a private MBBS in Nepal near Rs 40 to 46 lakh, but the real all-in cost runs higher. The government and scholarship routes, and the number to plan for.
GuideNepalMBBSEducationFamilyCostRead post - 9 min read
The 1% social security tax on your salary in Nepal: where it goes, can you get it back
Salaried Nepalis pay a 1% social security tax on the first income slab. What it is, why SSF members skip it, where the money actually goes, and if you get it back.
GuideNepalTaxSalarySSFTDSRead post - 8 min read
Buying a used bike or car in Nepal: namsari cost and the tax trap nobody warns you about
Namsari on a used vehicle in Nepal is a flat Rs 200 to 800 fee, not a percentage transfer tax. The real cost is the back road tax and fines a seller can leave you.
GuideNepalVehicleNamsariUsed CarTaxRead post - 9 min read
Do you pay tax on Netflix, Spotify and ChatGPT in Nepal? The 2% digital service tax
Nepal charges 2% digital service tax and 13% VAT on Netflix, Google and 20 registered platforms. As a consumer you owe nothing directly, but a business on AWS does.
GuideNepalTaxDigital PaymentsSubscriptionsVATRead post - 9 min read
Guthi, Raikar and Kipat: the land ownership types every buyer in Nepal must know
Nepal has two live land types: raikar you can own, and guthi trust land you mostly can't. Plus the mohi claim that freezes a sale. How to check before you pay.
GuideNepalReal EstateLandPropertyKathmanduRead post - 9 min read
House rent agreement in Nepal: deposit, notice and what the law actually protects
Nepal's Civil Code sets a 35-day notice and eviction grounds, but is silent on your deposit and rent hikes. What the law protects, and what only your agreement does.
GuideNepalReal EstateRentingTenant RightsKathmanduRead post - 8 min read
SSF for the self-employed in Nepal: what it costs a freelancer to join
Freelancers and shop owners can join Nepal's Social Security Fund, but you pay the full 31% yourself. What it buys, what it costs, and why only 444 had joined by 2025.
GuideNepalRetirementSSFFreelancersSelf-EmployedRead post - 11 min read
Divorce and money in Nepal: property division, maintenance and the financial reset
What a divorce does to your money in Nepal: how property is partitioned, how maintenance is set, what custody costs, and the two myths (35-day divorce, 5-year alimony) to drop.
GuideNepalFamilyCivil CodeLegalRead post - 8 min read
Minimum wage in Nepal 2082/83: the monthly, daily and hourly floor, and who it covers
Nepal's minimum wage is Rs 19,550 a month from Shrawan 2082: basic Rs 12,170 plus Rs 7,380 dearness allowance. The daily and hourly floor, and who it actually covers.
GuideNepalSalaryLabour LawIncomeRead post - 8 min read
Overtime, allowances and the Labour Act: what legally counts toward your pay in Nepal
Overtime in Nepal is 1.5x basic, capped at 4 hours a day and 24 a week. What the Labour Act 2074 counts as remuneration, which allowances dilute your SSF, and the hour limits.
GuideNepalSalaryLabour LawPayrollRead post