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 bank account went dormant. Here's how to reactivate it in Nepal.
Why a Nepali savings account goes dormant after 3 years of no transactions, the free reactivation steps, and what happens to money nobody claims for 20 years.
GuideNepalBankingDormant AccountNRBKYCRead post - 11 min read
Earn in dollars, retire in Nepal: the geographic-arbitrage math
A USD 280,000 corpus is lean in America but comfortable in Kathmandu. The geographic-arbitrage FIRE math for Nepalis earning abroad — plus the tax traps.
GuideNepalFIRERetirementNRNRemittanceRead post - 10 min read
What does it cost to pass a building plan (naksha) in Kathmandu?
Kathmandu's building-permit fee is about Rs 25/sq ft, but the design fee is the real cost. The full naksha-pass breakdown — fees, documents, and timeline.
GuideNepalKathmanduReal EstateHome ConstructionBuilding PermitRead post - 10 min read
Can a Nepali resident legally buy US stocks? The 2082/83 rules
Can a Nepali resident legally open Interactive Brokers and buy Apple or Tesla shares? What the Investment Abroad Act and NRB rules actually allow in 2082/83.
GuideNepalInvestingNRBUS StocksLegalRead post - 9 min read
Forex card vs cash vs international debit card for travel from Nepal
How much foreign cash you can take abroad from Nepal, why your debit card mostly won't work, and whether a forex travel card or cash is cheaper for a trip.
GuideNepalTravelForexNRBBankingRead post - 10 min read
Fake share-tip Telegram groups and pump-and-dump in NEPSE
How paid Telegram and Viber stock-tip groups and pump-and-dump operators work in NEPSE, what Nepal's Securities Act actually punishes, and how to spot the trap.
GuideNepalNEPSEInvestingScamSEBONRead post - 10 min read
Turnover tax vs regular tax: how small businesses are taxed in Nepal (D-01)
How a small business or sole proprietor is taxed in Nepal: the flat D-01 presumptive tax, D-02 turnover rates, and when you must keep books and pay regular tax.
GuideNepalTaxSmall BusinessIRDVATRead post - 8 min read
What is ASBA and how IPO money gets blocked in your bank account
ASBA blocks your IPO money in your own bank account instead of taking it. How the block works, what you need to apply, and what happens when the lottery runs.
GuideNepalNEPSEIPOASBAInvestingRead post - 8 min read
Why the dollar rate moves in Nepal: how NRB sets the exchange rate
Nepal pegs the rupee to India at 1.60, but the dollar floats. How NRB derives the daily USD rate, why it keeps hitting records, and what you actually pay.
GuideNepalNRBForexRemittanceRead post - 8 min read
How NEPSE dividends are taxed in Nepal: the 5% you never see
Every NEPSE dividend, cash or bonus, is taxed 5% at source before it reaches you. How the final withholding works, how it differs from CGT, and what you net.
GuideNepalNEPSETaxDividendInvestingRead post - 11 min read
How to withdraw your CIT or PF balance in Nepal
Cashing out your EPF or CIT balance in Nepal: the conditions to withdraw, the documents, the portals, and the 5% retirement tax that tops off a big lump sum.
GuideNepalRetirementPFCITTaxRead post - 9 min read
Tax on agricultural and farm income in Nepal: what's exempt and what isn't
Farm income is exempt from federal income tax in Nepal, with two catches: land above the ceiling, and agriculture run as a registered company (50% rebate).
GuideNepalTaxAgricultureIncomeIRDRead post - 9 min read
Does Nepal have a credit score? CIB, your report, and how lenders judge you
Nepal has a 60–960 credit score through CIB, but the CIBIL-style consumer score is still being built. How lenders judge you, and how to read your own report.
GuideNepalBankingCreditCIBLoansRead post - 9 min read
eSewa vs Khalti vs IME Pay: which wallet wins for what in Nepal?
Khalti and IME Pay merged in 2025, so it is really eSewa vs Khalti by IME now. The limits, fees, cashback, and interest that actually separate Nepal's wallets.
GuideNepalDigital MoneyeSewaKhaltiIME PayRead post - 10 min read
Where Rs 5 lakh would be today: land vs NEPSE vs gold vs FD (10-year look-back)
Rs 5 lakh invested in 2016 in land, NEPSE, gold, or an FD: what each is worth in 2026, with the CAGR, the taxes, and the catch the headline numbers hide.
GuideNepalInvestingGoldNEPSEReal EstateRead post - 8 min read
Loan processing fees and hidden charges in Nepal: the real cost of borrowing
The 0.75% service fee NRB caps, plus valuation, CIB, insurance, penal interest, and swap charges that turn an advertised rate into the real cost of a loan.
GuideNepalLoansBorrowingBankingHome LoanRead post - 13 min read
The real cost of having a baby in Kathmandu: delivery to first year
What a baby costs in Kathmandu from first scan to first birthday: free public delivery vs Rs 1–2 lakh private C-sections, vaccines, diapers, and lost-leave pay.
GuideNepalFamilyHealthcareBudgetPregnancyRead post - 10 min read
How much customs duty to bring a phone or laptop into Nepal
What it costs to bring a phone or laptop into Nepal: the ~18.65% tax, the one-phone duty-free rule, MDMS registration, and the FY 2083/84 green tax.
GuideNepalTaxCustomsTechImportRead post - 11 min read
SIP vs lump sum in Nepali mutual funds: which actually builds more
SIP or lump sum into a Nepali mutual fund? The global evidence, NEPSE's volatility, and a worked rupee example showing when each one builds more.
GuideNepalSIPMutual FundInvestingNEPSERead post - 11 min read
FD rates have fallen across Nepal: where do you actually park money now?
Bank FD rates in Nepal have slid from ~11% to about 4%, and the real return after tax and inflation is now negative. Where your money can actually keep up.
GuideNepalSavingBankingInvestingRead post - 8 min read
Gold just hit record highs: what to weigh before you buy a tola now
Gold hit Rs 339,300 a tola in Nepal in early 2026. Before you buy at a record, the making-charge spread, taxes, and peak risk that decide what it really costs.
GuideNepalInvestingGoldSavingRead post - 7 min read
What inflation is quietly doing to your Rs 50,000 salary in 2083
Inflation in Nepal looks tame at 2-3% a year, but it compounded to about 17% over four years. What that does to a Rs 50,000 salary that never got a raise.
GuideNepalIncomeInflationSalaryRead post - 8 min read
NEPSE near record highs: how to judge if the market is expensive
NEPSE's valuations sit near record highs even with the index below its 2021 peak. How to read P/E, market-cap-to-GDP, and dividend yield to judge it.
GuideNepalInvestingNEPSESharesRead post - 8 min read
A Kathmandu grocery basket in 2083 vs 2080: what the same Rs 5,000 buys now
Cooking gas up 20%, fuel up a quarter, oil and meat sharply higher, sugar and vegetables flat. What the same Rs 5,000 grocery run buys in Kathmandu now vs 2080.
GuideNepalSavingBudgetingCost of LivingRead post