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
Loan rates are dropping too: how to get your bank to cut your home-loan premium
Bank lending rates in Nepal have fallen from 13% to under 7%. Your floating loan should follow, but the premium is where the money hides. How to get it cut.
GuideNepalLoansHome LoanBankingRead post - 7 min read
What happens if you can't pay your loan EMI in Nepal?
Missing an EMI doesn't mean the bank seizes your house overnight. The real timeline from a missed installment to penal interest, CIB blacklist, and auction.
GuideNepalLoansBankingPersonal FinanceRead post - 8 min read
Is your foreign salary or remittance taxable in Nepal?
Whether your foreign salary or the remittance your family sends is taxable in Nepal comes down to one word: residency. The full rules, and the 5% concession.
GuideNepalTaxRemittancePersonal FinanceRead post - 9 min read
Going abroad for work from Nepal: what it really costs, and the scams
A Gulf job should cost about Rs 18,000 out of pocket; workers routinely pay Rs 130,000–700,000. The real cost, the payback math, and how the overcharging works.
GuideNepalForeign EmploymentScamsRemittancePersonal FinanceRead post - 8 min read
Annual land and house tax in Nepal: malpot vs municipal property tax
Malpot land revenue and municipal property tax are two small annual bills, often confused with the one-time registration tax. What each is, and how to pay.
GuideNepalTaxReal EstatePersonal FinanceRead post - 11 min read
Bank lockers in Nepal: rent, rules, and whether a safe deposit box is worth it
What a bank locker costs in Nepal: Rs 2,000–17,000 rent, the refundable deposit, who can rent one, and the catch — the bank isn't liable if it's robbed.
GuideNepalBankingGoldPersonal FinanceRead post - 13 min read
Saving for your child's education in Nepal: the 18-year plan
How much to save monthly for a child's education in Nepal, which vehicle actually beats fee inflation, and why most 'child education' plans underperform a SIP.
GuideNepalFamilyEducationInvestingPersonal FinanceRead post - 11 min read
OTP and phishing fraud in Nepal: how bank-account scams actually happen
How OTP and phishing scams empty Nepali bank accounts, the hard truth that no rule forces a refund, and exactly what to do in the first hour after you're hit.
GuideNepalFraudBankingDigital MoneyPersonal FinanceRead post - 9 min read
How NEPSE settlement works: T+2, circuit breakers and when your shares actually arrive
How NEPSE's T+2 settlement works, when your shares and money actually arrive, and the new 5%/8% circuit breakers and 15% daily limit after the April 2026 rules.
GuideNepalNEPSEInvestingSharesRead post - 9 min read
Promoter shares vs ordinary shares in Nepal: lock-in, price gap and why they differ
Why promoter shares trade ~40% below ordinary shares on NEPSE, the 3-year lock-in, the conversion and transfer rules, and why retail can't just buy them.
GuideNepalNEPSEInvestingSharesRead post - 12 min read
Ropani, aana, bigha, kattha: converting Nepali land units (and what one aana actually costs)
Convert ropani, aana, paisa, bigha, kattha and dhur to square feet, the base-16 trap that trips up buyers, and what one aana costs in Kathmandu.
GuideNepalLandReal EstateKathmanduPersonal FinanceRead post - 9 min read
Senior-citizen allowance in Nepal: who gets बृद्ध भत्ता, how much, and how to claim it
Nepal's senior-citizen allowance is Rs 4,000 a month from age 70 (60 for Dalit, single women and Karnali). Who qualifies, how to register, and how it pays.
GuideNepalRetirementSocial SecuritySenior CitizensRead post - 9 min read
Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained
Bank deposits in Nepal are guaranteed up to Rs 5,00,000 per person per bank by the DCGF — but only at NRB-licensed banks, not co-operatives. What's covered.
GuideNepalBankingSavingDCGFRead post - 11 min read
Breaking an FD early in Nepal: how much interest you actually lose
Break an FD early and the bank pays the lower completed-period rate minus a 1–3% penalty, so your yield can slip below a savings account. The loss math inside.
GuideNepalBankingFDSavingRead post - 9 min read
Tax on lottery and prize winnings in Nepal
Lottery, prize, and lucky-draw winnings in Nepal face a flat 25% windfall-gain tax, withheld at source. What counts, what's exempt, and why gifts aren't.
GuideNepalTaxWindfallLotteryRead post - 10 min read
What happens to your shares when you die? Demat transmission in Nepal
When a shareholder dies in Nepal, demat shares pass to heirs by transmission. The CDSC form, the documents, the 35-day objection notice, and the tax on sale.
GuideNepalInvestingNEPSEDematRead post - 8 min read
Lean FIRE in Nepal: the smallest number you can actually retire on
Lean FIRE is retiring early on a frugal budget. The smallest realistic number for Nepal — a Rs 40,000–62,000/month life, and the Rs 1.2–2 crore corpus it takes.
GuideNepalFIRERetirementInvestingRead post - 9 min read
Reading a NEPSE company's financials: EPS, P/E and book value for beginners
What EPS, P/E, and book value mean for a NEPSE stock, why annualized EPS misleads, the late-2025 market P/E near 38 vs banks at 16, and where to find each.
GuideNepalInvestingNEPSEStocksRead post - 10 min read
SSF benefits explained: what your social security contribution actually buys
Your slip loses 11% to SSF and your employer adds 20% more. What that 31% buys: a pension, medical cover, accident and disability pay, and a family payout.
GuideNepalRetirementSSFSocial SecurityInsuranceRead post - 8 min read
Getting excess TDS back: how to claim a tax refund in Nepal
Some Nepali TDS is final and gone; some is adjustable and refundable. Which is which, the Section 113 process, the two-year deadline, and why refunds crawl.
GuideNepalTaxTDSIRDRead post - 8 min read
A 30-day no-spend challenge adapted for a Nepali salary
A 30-day no-spend challenge built for a Nepali salary: what counts as essential, which month to pick, and how much a Kathmandu earner can realistically recover.
GuideNepalBudgetingSpendingSavingKathmanduRead post - 8 min read
The daily Rs 200 leak: what small Kathmandu habits cost you over a year
Rs 200 a day in small Kathmandu habits is Rs 73,000 a year. What coffee, momo, rides, and data packs really cost, and what the leak becomes if you redirect it.
GuideNepalBudgetingSpendingKathmanduSavingRead post - 9 min read
Is there a gift tax in Nepal? What you owe when someone gifts you money or land
Nepal has no standalone gift tax: personal gifts are exempt under the Income Tax Act 2058. What you owe on gifted money, and the Malpot fee on gifted land.
GuideNepalTaxGiftPropertyFamilyRead post - 9 min read
Pay yourself first: automating savings on a Nepali salary before you can spend it
How to automate savings on a Nepali salary: salary-day standing instructions, recurring deposit auto-debit, ConnectIPS SIP e-mandates, and wallet auto-save.
GuideNepalSavingBudgetingAutomationSalaryRead post