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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.

  • 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 Finance
  • 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.

    GuideNepalNEPSEInvestingShares
  • 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.

    GuideNepalNEPSEInvestingShares
  • 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 Finance
  • 10 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; Dalit citizens and old Karnali-zone residents get Rs 2,660 from 60. Rules, renewal and payment.

    GuideNepalRetirementSocial SecuritySenior Citizens
  • 10 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.

    GuideNepalBankingSavingDCGF
  • 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.

    GuideNepalBankingFDSaving
  • 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.

    GuideNepalTaxWindfallLottery
  • 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.

    GuideNepalInvestingNEPSEDemat
  • 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.

    GuideNepalFIRERetirementInvesting
  • 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.

    GuideNepalInvestingNEPSEStocks
  • 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 SecurityInsurance
  • 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.

    GuideNepalTaxTDSIRD
  • 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.

    GuideNepalBudgetingSpendingSavingKathmandu
  • 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.

    GuideNepalBudgetingSpendingKathmanduSaving
  • 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.

    GuideNepalTaxGiftPropertyFamily
  • 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.

    GuideNepalSavingBudgetingAutomationSalary
  • 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 LoanPrepaymentEMIBanking
  • 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 Protection
  • 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 PaymentsNRBSubscriptions
  • 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 Payments
  • 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 Finance
  • 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 Finance
  • 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 PaymentsQRUPIFonepayRemittance