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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.

  • 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 mistake that voids payout.

    GuideNepalInsuranceVehicleMonsoonBeema
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  • 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 to pay before Asar masanta: retirement top-ups to the Rs 5 lakh cap, insurance premiums, and the final advance tax.

    TaxNepalDeductionsFiscal YearCIT
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  • 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 past it, the service-charge staircase, and the new 5% VAT above 50 units.

    GuideNepalElectricityNEAHousehold Budget
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  • 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 EconomyPathaoIncome
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  • 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, 1.5x-salary overdrafts, and free demat accounts. What each bank gives, and the fine print.

    BankingNepalSalaryAccountsGuide
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  • 8 min read

    Court marriage vs full wedding: the real cost gap in Nepal

    A Nepali court marriage costs a few thousand rupees. A lean Kathmandu wedding starts around Rs 5 lakh. Both make you equally married. The math behind the choice.

    GuideNepalWeddingFamilyBudgeting
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  • 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.

    GuideNepalRetirementCareerPension
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  • 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 must now file, a paused SSF medical clock, pay-in-lieu of notice. The real net, worked out.

    GuideNepalSalaryTaxCareer
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  • 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, ConnectIPS aren't it.

    GuideNepalBankingDigital PaymentsNRB
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  • 9 min read

    The real cost of a 'free' bank account in Nepal

    A 'free' Nepali savings account still drips Rs 1,000-1,500 a year in SMS, debit-card and app fees. But the below-minimum penalty everyone fears doesn't exist here.

    GuideNepalBankingSavingFees
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  • 9 min read

    How much tax do you pay when you sell gold in Nepal?

    Sell your gold in Nepal and 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.

    GuideNepalGoldTaxInvesting
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  • 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 in Kathmandu Valley, half a home loan's leverage. Buying a plot is mostly a cash game — the math.

    GuideNepalLoansLandReal Estate
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  • 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% yearly interest on unpaid tax. The real cost is the lost clearance.

    GuideNepalTaxIRDFiling
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  • 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.

    GuideNepalDhukutiSavingCommitteeRisk
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  • 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.

    GuideNepalMBBSEducationFamilyCost
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  • 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.

    GuideNepalTaxSalarySSFTDS
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  • 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 CarTax
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  • 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 PaymentsSubscriptionsVAT
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  • 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 EstateLandPropertyKathmandu
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  • 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 RightsKathmandu
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  • 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 pay the full 31% yourself. What it buys, what it costs, why only 444 had joined by 2025.

    GuideNepalRetirementSSFFreelancersSelf-Employed
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  • 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 split, how maintenance is set, custody costs, and two myths (35-day divorce, 5-year alimony) to drop.

    GuideNepalFamilyCivil CodeLegal
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  • 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 covers.

    GuideNepalSalaryLabour LawIncome
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  • 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, and which allowances dilute your SSF.

    GuideNepalSalaryLabour LawPayroll
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