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.
- 9 min read
Your annual profit bonus in Nepal: the 10% rule, the 6-vs-8-month cap, and who actually gets it
The Bonus Act 2030 sends 10% of a profitable firm's net profit to staff, capped at 6 or 8 months' salary. Who qualifies, when it must pay, and why a loss year means zero.
GuideNepalSalaryLabour LawBonusRead post - 8 min read
Bal Bachat: should you open a bank savings account in your child's name in Nepal?
What a बाल बचत child savings account in Nepal really pays (about 2.75%), the 6% tax on it, the free-insurance add-ons, and when an SIP beats it for college money.
GuideNepalBankingFamilySavingRead post - 8 min read
Your salary is paid in cash. Here's what it costs you on loans, tax, and visa proof
Paid in cash in Nepal? Why it sinks loan applications, leaves the tax owed anyway, and fails visa financial proof, plus the bank-record fix that costs nothing.
GuideNepalSalaryTaxLoansRead post - 7 min read
Living on one income in Kathmandu: a single-earner family budget that actually holds
One salary, a family of four, Kathmandu prices. A line-by-line single-income budget, why school fees decide it, and the bigger buffer a sole earner needs.
GuideNepalBudgetingKathmanduFamilyRead post - 8 min read
What your Demat and Meroshare account really cost in Nepal
Demat opening, annual renewal, Meroshare fee, the Rs 25 DP charge, and ASBA costs in Nepal, separated from trading commission, with the true cost of just holding shares.
GuideNepalDematMeroshareInvestingNEPSERead post - 8 min read
Foreign employment insurance in Nepal: the cover every migrant worker pays for
The mandatory life insurance and the separate Welfare Fund every Nepali migrant worker pays into, what each pays out on death or injury, and how a family claims both.
GuideNepalInsuranceForeign EmploymentRemittanceRead post - 8 min read
The foreign-employment IPO quota: how migrant workers get 10% reserved shares in Nepal
Nepali migrant workers get 10% of every IPO reserved for them. The rule, the bank-account and Demat setup from abroad, and a worked Himalayan Re example.
GuideNepalIPOInvestingForeign EmploymentRemittanceRead post - 9 min read
The 4% rule, adapted for Nepal: how much you can safely withdraw from your corpus
The 4% rule was built on US data. Nepal's higher inflation, lower real returns, and tax drag push the safe withdrawal rate closer to 3.5%, and here is the math behind it.
GuideNepalFIRERetirementInvestingPersonal FinanceRead post - 8 min read
The full TDS rate card for Nepal: every rate that skims your money (FY 2083/84)
Every TDS rate in Nepal for FY 2083/84 in one table: interest, dividend, rent, commission, contract, capital gains, and what counts as final vs adjustable tax.
GuideNepalTaxTDSIRDPersonal FinanceRead post - 8 min read
What happens to your account and FD when two Nepali banks merge?
When two Nepali banks merge, your account number and FD interest rate stay the same. The one thing that can quietly halve: your Rs 5 lakh deposit guarantee.
GuideNepalBankingBank MergerFixed DepositDCGFRead post - 9 min read
Dakhil kharej (namsari): how to get land into your name at the Malpot
Registration transfers the deed; dakhil kharej puts the land in your name in the official records. The near-zero fee, the documents, and why skipping it bites later.
GuideNepalReal EstateLandMalpotNamsariRead post - 8 min read
EPS Korea: what it really costs to go from Nepal, and how to fund it
Going to Korea via EPS should cost around Rs 1.5 lakh all-in, including the air ticket. The exam fee, the medical, the welfare fund, and why a broker charging lakhs is the scam.
GuideNepalForeign EmploymentEPS KoreaMigrationIncomeRead post - 8 min read
'Forex trading' and binary-option apps in Nepal: why they're illegal and how the scam works
Online forex and binary-option trading is not legal for residents in Nepal, and most of it is a withdrawal scam. The law, the penalty, and how the trap actually runs.
GuideNepalScamsForexConsumer ProtectionFraudRead post - 8 min read
NRN bank accounts in Nepal: what you can open and what you can take back out
An NRN can hold a Nepali-rupee account and a convertible foreign-currency account. What each allows, the USD 5,000 minimum, and which money you can actually repatriate.
GuideNepalNRNBankingForeign CurrencyRemittanceRead post - 9 min read
Financial proof for a student visa from Nepal: blocked accounts, GIC, and bank balance certificates
What a Nepali student must show for a study visa: Germany's blocked account, Canada's CAD 22,895, Australia's AUD 29,710, plus NRB rules and the 3% fee.
GuideNepalStudy AbroadRemittanceStudentsRead post - 10 min read
House rent tax in Nepal: the 10% on rental income, and who you pay it to
An individual landlord in Nepal pays a flat municipal house rent tax (10% in Kathmandu), not income tax. Which tax applies depends on who your tenant is.
GuideNepalTaxReal EstateRental IncomeRead post - 9 min read
Instant loan app scams in Nepal: how they trap you and how to get out
Unlicensed instant-loan apps are illegal in Nepal under BAFIA. How the contact-harvesting and shame-harassment works, the legal alternatives, and how to report.
GuideNepalScamsBorrowingConsumer ProtectionRead post - 9 min read
Subsidized loans in Nepal (byaj anudan): the 2082 reset and what you can still get
Nepal's byaj anudan concessional loans restarted in 2082 on tighter terms: a flat 3% subsidy, higher ceilings for women and youth, one loan per household.
GuideNepalBorrowingLoansGovernment SchemesRead post - 9 min read
Barista FIRE in Nepal: semi-retiring on a part-time income
Barista FIRE means a part-time income covers part of your costs so your portfolio shrinks. Every Rs 10,000/month of work cuts your FIRE number by Rs 34 lakh.
GuideNepalFIREBarista FIRERetirementInvestingRead post - 7 min read
Car import tax in Nepal: why a vehicle costs double the foreign price
Customs, excise, and VAT stack on an imported car in Nepal, each charged on the running total. The cascade pushes total tax to 200–317% of landed cost.
GuideNepalTaxVehicleCustomsCarRead post - 9 min read
What it actually costs to live in Kathmandu per month (2083)
A real monthly cost-of-living breakdown for Kathmandu in 2083: rent, food, utilities, transport, school fees. One person ~Rs 35k, a family of four ~Rs 90k+.
GuideNepalBudgetingKathmanduCost of LivingSavingRead post - 11 min read
How much life insurance cover do you actually need in Nepal?
Size life cover in Nepal with the 10x, Human Life Value, and DIME methods, then subtract your SSF survivor pension and savings to land on a real number.
GuideNepalInsuranceLife InsurancePersonal FinanceRead post - 9 min read
Laghubitta loans in Nepal: why microfinance interest runs higher than a bank's
Microfinance in Nepal charges roughly double a bank's rate. The structural reasons, the NRB caps, the 2082 base-rate switch, and what a borrower should do.
GuideNepalLoansMicrofinanceLaghubittaNRBRead post - 9 min read
The cheapest way for your family to receive your remittance in Nepal
The family collecting remittance in Nepal pays no fee — the cost hides in the exchange-rate margin. How to pick the channel and account that keeps the most.
GuideNepalRemittanceForeign EmploymentBankingFXRead post