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.
- 18 min read
Paid by QR in Nepal? Where your IRD prize coupon actually is, app by app
IRD enters your QR payment in the Rs 1 lakh draw automatically, then leaves every bank to decide where the coupon appears. Here is the screen, app by app.
- 19 min read
Someone offered you Rs 10,000 a month to use your bank account. That makes you a money mule
Lending your bank account for a monthly fee makes you a money mule. The exposure in Nepal: up to 15 years, a fine of twice the amount, and a frozen account.
- 11 min read
Rs 21 kharba in remittance came home this year. Here is the receiving family's playbook
Nepal received Rs 2,120 billion in remittance in 11 months while savings rates fell to 2.75%. What the family at home should do with the money, step by step.
- 14 min read
Is SIP a scam in Nepal? Auditing seven years of the country's oldest SIP fund
The marketing says 12.74% a year. Seven years of NIBL Sahabhagita's own filings say about 8.3%. Here is where the gap comes from, and what is actually a scam.
- 13 min read
The eSewa and Khalti National ID deadline has passed: what happened on 17 October, and what to do now
NRB's end-of-Asoj 2083 wallet National ID deadline passed with no extension and no penalty. What the rule says, what eSewa and Khalti did, and what to do.
- 14 min read
The 80% first-home loan in Nepal: four conditions decide whether you actually get it
Nepal's first-home buyer rule allows 80% LTV up to Rs 3 crore. Four NRB conditions gate it, a 70% income test caps it, and only some banks offer it.
- 16 min read
Rs 25,000 at a time: how Nepal's problematic cooperative refund actually works
Nepal began refunding problematic cooperative depositors in May 2026: the priority ladder, Rs 25,000 instalments, the 35-day claim window, and who gets nothing.
- 13 min read
How to register a cash bill at prize.ird.gov.np and enter Nepal's Rs 1 lakh daily draw
Nepal's taxpayer gift portal, prize.ird.gov.np: the eight fields it asks for, the deadline that voids your bill, and why only 3,427 people have used it so far.
- 7 min read
What to do if your employer isn't depositing your SSF contributions on time
Nepal gives employers 25 days to deposit your SSF contribution, with 10% interest and real fines for defaulting. How to check your balance and escalate.
- 7 min read
Is your life insurance maturity payout taxable in Nepal?
Nepal taxes only the profit over premiums paid on a life insurance maturity payout, at a 5% final TDS, not the payout itself. The mechanism, worked through.
- 9 min read
Contract versus permanent staff in Nepal: the PF, SSF, and leave gap
Nepal's Labour Act applies PF, SSF and gratuity almost regardless of a 'contract' label. The real gap between contract and permanent staff is job security.
- 9 min read
Malpot valued your land too high? How a property-tax appeal actually works in Nepal
There is no clean, documented appeal process for a Malpot land valuation or municipal property tax in Nepal. What the law actually says, and what to do instead.
- 9 min read
Renting your apartment on Airbnb in Nepal: the tax rules nobody has actually written
Nepal has no law written for Airbnb-style rentals. What the homestay rules, rent-tax rules and Airbnb's own policies actually say, and where the gaps are.
- 9 min read
Daraz, COD, and online shopping rights in Nepal: what protection you actually have
Nepal passed a real E-Commerce Act in 2025. What it actually guarantees on Daraz, COD parcels, and wallet payments, and where the law still leaves you exposed.
- 8 min read
Sole proprietorship vs Pvt Ltd in Nepal: which one actually pays less tax
A Nepali proprietorship is taxed like a salary. A Pvt Ltd is taxed twice, corporate rate then dividend tax. Here's the actual math, and where the trade-off flips.
- 8 min read
How much does Teej actually cost? What's provable, and what nobody has ever measured
Saree prices, bangle sales and vegetable spikes around Teej in Nepal are documented. A total household budget figure isn't. What the data actually shows.
- 8 min read
Cardless cash withdrawal at Nepali ATMs: how it works and which banks support it
Forgot your debit card? Several Nepali banks let you withdraw ATM cash with just your mobile banking app and an OTP. How it works, the limits, who supports it.
- 10 min read
Hydropower IPOs in Nepal: why they oversubscribe and whether the rush is worth it
Nepali hydropower IPOs routinely oversubscribe 8 to 38 times. The odds, the listing-day pops, and why 56 of 91 listed hydro firms have never paid a dividend.