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.
- 8 min read
Why the bank's property valuation is lower than the market price you agreed to pay
Your home loan is capped at a share of the bank's own valuation, not your purchase price, and the two rarely match. Why the gap exists, and who pays for it.
- 7 min read
The FD auto-renewal trap: how your fixed deposit can quietly earn less after maturity
A Nepali FD can auto-renew at today's much lower rate or, by one bank's terms, pay zero interest if you never gave clear instructions. The fine print, decoded.
- 9 min read
What insurance actually covers a Pathao or inDrive rider hurt on the job
Compulsory third-party insurance in Nepal doesn't cover a rider's own injury. Here's what actually pays out when a Pathao or inDrive driver crashes.
- 12 min read
Cooperative loans in Nepal: collateral rules and what happens if the sahakari collapses
A sahakari loan doesn't vanish if the cooperative collapses in Nepal: the debt survives, the depositor fund won't touch you, and CIB can still blacklist you.
- 11 min read
Snowball vs avalanche: the fastest way to clear multiple loans in Nepal
A Nepali household juggling a credit card at 24%, a gold loan and a personal loan needs a payoff order, not just a budget. The real math and the real rates.
- 11 min read
Group health insurance from your employer vs buying your own policy in Nepal
Nepal's Labour Act obliges your employer to cover just Rs 1 lakh in medical costs, and it vanishes the day you resign. Here's what that gap actually costs.
- 10 min read
Joint bank account rules for married couples in Nepal
Nepali banks default joint accounts to Either-or-Survivor, yet the money still needs a death certificate to move, and nomination stops once an account is joint.
- 8 min read
How much gold can you bring from abroad? Nepal's customs limits for returning workers
Duty-free gold jewellery is 25g for men, 50g for women, plus up to 100g more with duty. The slabs, the 2083/84 duty doubling, and what gets confiscated at TIA.
- 10 min read
What going to Japan actually costs from Nepal: language school vs SSW, lakh by lakh
The language-school route costs Rs 12–13.5 lakh in year one from Nepal. The SSW worker route should cost a fraction of that. The lakh-by-lakh math, sourced.
- 9 min read
The real cost of chasing a Loksewa job: coaching fees, attempts, and the opportunity-cost math
Coaching runs Rs 3,000–13,500 and forms Rs 300–1,200, but two years of full-time prep costs Rs 7–10 lakh once rent and foregone salary count. The honest math.
- 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.
- 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.
- 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.
- 9 min read
Government job vs private job: comparing pension math after 20 years in Nepal
Nepal quietly moved new government hires onto the SSF pension private workers use, so the sarkari-job pension edge is mostly gone. The math, by hire year.