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Kharchapatra
Blog · खर्चपत्र

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.

  • 12 min read

    Job switch vs staying: how much of a raise justifies changing jobs in Nepal?

    A raise from switching jobs in Nepal shrinks fast: a tax return you must now file, a paused SSF medical clock, pay-in-lieu of notice. The real net, worked out.

    GuideNepalSalaryTaxCareer
  • 8 min read

    Is Nepal getting a digital currency? What NRB's CBDC plans mean for your money

    NRB has built a digital-currency prototype since 2022 and sent a bill to Parliament in 2026. No pilot exists yet, and eSewa, Khalti and ConnectIPS aren't it.

    GuideNepalBankingDigital PaymentsNRB
  • 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. The below-minimum penalty everyone fears doesn't exist here.

    GuideNepalBankingSavingFees
  • 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
  • 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
  • 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 a small Section 117 fee plus 15% yearly interest on unpaid tax. The real cost is the lost tax clearance.

    GuideNepalTaxIRDFiling
  • 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
  • 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 all-in cost runs higher. The government and scholarship routes, and the number to plan for.

    GuideNepalMBBSEducationFamilyCost
  • 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
  • 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 leaves you.

    GuideNepalVehicleNamsariUsed CarTax
  • 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. Consumers owe nothing directly, but a business on AWS does.

    GuideNepalTaxDigital PaymentsSubscriptionsVAT
  • 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
  • 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 deposits and rent hikes. What the law protects, and what only your agreement does.

    GuideNepalReal EstateRentingTenant RightsKathmandu
  • 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
  • 11 min read

    Divorce and money in Nepal: property division, maintenance and the financial reset

    What 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
  • 9 min read

    Minimum wage in Nepal 2083/84: the Rs 19,550 floor still in force, by month, day and hour

    Nepal's minimum wage is still Rs 19,550 a month in FY 2083/84: basic Rs 12,170 plus Rs 7,380 dearness allowance. The daily and hourly floors, and who's covered.

    GuideNepalSalaryLabour LawIncome
  • 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
  • 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 gives staff 10% of a profitable firm's net profit, capped at 6-8 months' salary. Who qualifies, when it pays, and why a loss year means zero.

    GuideNepalSalaryLabour LawBonus
  • 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 pays (about 2.75%), the 6% tax on it, the free-insurance add-ons, and when an SIP beats it for college money.

    GuideNepalBankingFamilySaving
  • 9 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.

    GuideNepalSalaryTaxLoans
  • 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.

    GuideNepalBudgetingKathmanduFamily
  • 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, split from trading commission: the true cost of holding shares.

    GuideNepalDematMero ShareInvestingNEPSE
  • 8 min read

    Foreign employment insurance in Nepal: the cover every migrant worker pays for

    The mandatory life insurance and separate Welfare Fund every Nepali migrant worker pays into, what each pays on death or injury, and how a family claims both.

    GuideNepalInsuranceForeign EmploymentRemittance
  • 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 EmploymentRemittance