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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.

  • 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
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  • 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
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  • 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
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  • 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
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  • 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
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  • 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
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  • 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
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  • 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 Finance
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  • 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 Finance
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  • 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.

    GuideNepalBankingFDNRB
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  • 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.

    GuideNepalInvestingDebenturesNEPSEBonds
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  • 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.

    GuideNepalRetirementLoansCITPF
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  • 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.

    GuideNepalBankingSavings
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  • 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.

    GuideNepalBudgetingFreelanceCashflowTax
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  • 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.

    GuideNepalBankingChequeLegalCIB
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  • 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 ExchangeTuitionRemittance
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  • 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.

    GuideNepalTaxIRDCompliance
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  • 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 Finance
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  • 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 Finance
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  • 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.

    GuideNepalNEPSEIPOInvesting
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  • 9 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.

    GuideNepalTaxVATFreelance
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  • 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 MoneyeSewaKhaltiNRB
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  • 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 Income
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  • 9 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.

    GuideNepalInvestingNEPSESharesTax
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