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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.

  • 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 6-8 months' salary. Who qualifies, when it pays, and why a loss year means zero.

    GuideNepalSalaryLabour LawBonus
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  • 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.

    GuideNepalBankingFamilySaving
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  • 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.

    GuideNepalSalaryTaxLoans
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  • 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
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  • 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 holding shares.

    GuideNepalDematMeroshareInvestingNEPSE
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  • 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
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  • 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
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  • 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% — the math behind it.

    GuideNepalFIRERetirementInvestingPersonal Finance
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  • 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 Finance
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  • 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 DepositDCGF
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  • 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 EstateLandMalpotNamsari
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  • 8 min read

    EPS Korea: what it really costs to go from Nepal, and how to fund it

    Going to Korea via EPS costs about Rs 1.5 lakh all-in, including the air ticket. The exam fee, medical, welfare fund, and why a lakhs-charging broker is a scam.

    GuideNepalForeign EmploymentEPS KoreaMigrationIncome
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  • 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 isn't legal for residents in Nepal, and most of it is a withdrawal scam. The law, the penalty, and how the trap actually runs.

    GuideNepalScamsForexConsumer ProtectionFraud
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  • 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 repatriate.

    GuideNepalNRNBankingForeign CurrencyRemittance
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  • 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 AbroadRemittanceStudents
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  • 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 Income
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  • 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 Protection
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  • 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 Schemes
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  • 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 FIRERetirementInvesting
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  • 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.

    GuideNepalTaxVehicleCustomsCar
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  • 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 LivingSaving
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  • 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 Finance
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  • 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.

    GuideNepalLoansMicrofinanceLaghubittaNRB
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  • 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 EmploymentBankingFX
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