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.
- 10 min read
Should you prepay your home loan early in Nepal? The foreclosure-charge math
NRB bars any prepayment penalty on home loans up to Rs 50 lakh. Here is the foreclosure-charge math, and whether to prepay a 9% loan or invest the cash instead.
GuideNepalHome LoanPrepaymentEMIBankingRead post - 10 min read
Insurance claim rejected in Nepal? The complaint ladder from branch to the Nepal Insurance Authority
Rejected or stalled insurance claim in Nepal? The escalation ladder — insurer grievance desk, then NIA within 3 months, decision due in 6 — with contacts.
GuideNepalInsuranceNIAClaimsConsumer ProtectionRead post - 11 min read
Paying for Netflix, AWS, or ChatGPT from Nepal: every legal route and what each costs
Nepal allows USD 500/year on a prepaid dollar card, USD 2,000 via a dollar account, and USD 3,000 for IT. Every legal route, the fees, and the grey-market risk.
GuideNepalDollar CardDigital PaymentsNRBSubscriptionsRead post - 11 min read
Sent money to the wrong number on eSewa or mobile banking? How reversal actually works in Nepal
Completed transfers in Nepal can't be auto-reversed. What works: recipient consent, the 30–45 day wallet dispute window, and NRB's gunaso portal.
GuideNepaleSewaKhaltiConnectIPSDigital PaymentsRead post - 10 min read
Book closure dates on NEPSE: who gets the dividend, who gets nothing
Buy one trading day before book closure and the dividend is yours; buy on the date and you get nothing. The cutoff rule, the price math, and where to check.
GuideNepalInvestingNEPSEDividendPersonal FinanceRead post - 10 min read
Couple vs individual filing: the one checkbox that changes your tax slab in Nepal
Couple status saves a single-earner household up to Rs 29,000 a year in FY 2082/83, and costs a dual-earner couple up to Rs 56,000. The math, and the deadline.
GuideNepalTaxSalaryCouplesPersonal FinanceRead post - 9 min read
UPI in Nepal, Fonepay QR in India: what cross-border payments actually work in 2026
Indian tourists have paid by UPI in Nepal since March 2024; Nepalis still can't scan QR in India. What's live, what's stuck, and the INR 15,000/day limit.
GuideNepalDigital PaymentsQRUPIFonepayRemittanceRead post - 9 min read
Travel insurance for your visa application: what embassies require and what it costs from Nepal
Schengen visas require EUR 30,000 medical cover; the UK and US require none. Verified Nepali premiums from ~Rs 5,800 for 15 days, and the age-70 wall.
GuideNepalInsuranceTravelVisaPersonal FinanceRead post - 8 min read
Unclaimed dividends in Nepal: how to find and recover money your shares already paid you
Nepali firms sit on billions in unclaimed dividends, and after 5 years it goes to the Investor Protection Fund. How to check your BOID and claim it back.
GuideNepalInvestingNEPSEDividendPersonal FinanceRead post - 10 min read
Why FD rates keep changing in Nepal: base rate and the NRB corridor
FD rates fell from 11–12% in 2079/80 to 5–7% now. The base rate, the NRB interest-rate corridor, and the liquidity glut behind the drop, in plain numbers.
GuideNepalBankingFDNRBRead post - 10 min read
Debentures in Nepal: the 10–12% bonds most retail investors ignore
Bank debentures pay 7–9% on new issues, with older 10–12% bonds still on NEPSE. How to buy via ASBA, the 6% tax, the credit rating, and the FD comparison.
GuideNepalInvestingDebenturesNEPSEBondsRead post - 11 min read
Loan against your CIT or PF balance in Nepal: when it makes sense
EPF lends against your own balance near 5.75% and CIT from 5.25%, well below a bank personal loan. The eligibility, the caps, and when it's the smart move.
GuideNepalRetirementLoansCITPFRead post - 8 min read
How your savings account interest is actually calculated in Nepal
Banks compute it on your daily balance, not the month's low, then credit quarterly. The formula, why Rs 1 lakh at 5% pays ~Rs 415/month, and the 6% TDS.
GuideNepalBankingSavingsRead post - 9 min read
Budgeting on an irregular income: a system for freelancers and shopkeepers in Nepal
A budgeting system for Nepali freelancers and shopkeepers with swinging income: budget to your floor, pay yourself a salary, and set aside tax on receipt.
GuideNepalBudgetingFreelanceCashflowTaxRead post - 9 min read
Cheque bounce in Nepal: the fine, the blacklist, and the law
What a bounced cheque now costs in Nepal: the 2025 graded jail terms, the 5% penalty, CIB blacklisting on a single bounce, and the process from notice to court.
GuideNepalBankingChequeLegalCIBRead post - 11 min read
How to pay foreign university tuition from Nepal, the legal way (SWIFT/TT)
How to legally send foreign tuition from Nepal: the NOC, NRB's USD 25,000 limit, SWIFT vs Flywire vs draft, real bank fees, and the 3% education service fee.
GuideNepalStudy AbroadForeign ExchangeTuitionRemittanceRead post - 8 min read
How to get a tax clearance certificate in Nepal
How to get a tax clearance certificate (कर चुक्ता प्रमाणपत्र) in Nepal: who needs it, the prerequisites, the instant online route, the fee, and validity.
GuideNepalTaxIRDComplianceRead post - 8 min read
How to buy your first share on NEPSE: the TMS step-by-step
A Demat account alone won't let you buy a share. Here is the full chain — Demat, Mero Share, broker, and TMS — and how to place your first NEPSE buy order.
GuideNepalNEPSEInvestingPersonal FinanceRead post - 11 min read
Buying an apartment in Kathmandu: the real cost beyond the sticker price
A Rs 1.5 crore apartment in Kathmandu rarely costs Rs 1.5 crore. Loading factor, registration, furnishing, and monthly dues are the gaps nobody quotes up front.
GuideNepalKathmanduReal EstatePersonal FinanceRead post - 8 min read
FPO vs IPO in Nepal: what's the difference and should you apply?
An IPO sells at Rs 100; an FPO can cost Rs 157 or Rs 280. Why FPOs carry a premium, how allotment works, and whether the listing gain is worth it.
GuideNepalNEPSEIPOInvestingRead post - 8 min read
PAN vs VAT in Nepal: when a freelancer or small shop must register for VAT
PAN is the taxpayer ID everyone needs; VAT is a separate registration at Rs 50 lakh turnover for goods, Rs 30 lakh for services. Which you need, and when.
GuideNepalTaxVATFreelanceRead post - 8 min read
Digital wallet limits in Nepal: how much you can load, hold, and send at each KYC tier
Why your eSewa or Khalti transfer got blocked: the NRB caps, the KYC cliff at Rs 5,000, and the exact load, balance, and send limits by verification tier.
GuideNepalDigital MoneyeSewaKhaltiNRBRead post - 9 min read
Government and citizen savings bonds in Nepal: rates, tenure, and how to buy through NRB
Nepal's treasury bills, development bonds, and citizen savings bonds: what they pay (7 to 12.5%), the Rs 10,000 minimum, and how to buy one through NRB.
GuideNepalInvestingBondsNRBFixed IncomeRead post - 8 min read
What it costs to buy and sell shares on NEPSE: broker commission, SEBON fee, and DP charge
The real cost of a NEPSE trade: 0.24–0.36% broker commission slabs, the 0.015% SEBON fee, the Rs 25 DP charge, and 7.5% capital gains tax, worked on Rs 1 lakh.
GuideNepalInvestingNEPSESharesTaxRead post