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
How to claim a life insurance payout after a death in Nepal
How to claim a life insurance death benefit in Nepal: the documents, the settlement timeline, the nominee law under Act 2079, and why claims get rejected.
GuideNepalInsuranceLife InsuranceClaimsPersonal FinanceRead post - 9 min read
What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares
When someone dies in Nepal, their bank, FD, PF, CIT, SSF, insurance, and shares must each be claimed separately. The documents, the process, and the traps.
GuideNepalInheritanceEstatePersonal FinanceRead post - 7 min read
What to do with your first salary in Nepal
Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.
GuideNepalSalaryBudgetingPersonal FinanceRead post - 10 min read
The government Health Insurance Program in Nepal: the Rs 3,500 family plan, explained
Nepal's government Health Insurance Program covers a family of five for Rs 3,500/year up to Rs 1 lakh. How to enroll, what it pays, and the 2026 funding crisis.
GuideNepalInsuranceHealthHIBPersonal FinanceRead post - 8 min read
Coming back to Nepal from abroad: a money checklist for returnees
Moving back to Nepal after years abroad? The rules on bringing cash and gold home, tax residency, claiming a foreign pension, and where to park your savings.
GuideNepalRemittanceReturneesTaxPersonal FinanceRead post - 9 min read
Loan against your FD or shares in Nepal: cheaper than a personal loan?
Borrow up to 90% of an FD near its own rate plus 2%, or 70% against NEPSE shares, while the asset keeps working. The full cost and risk math vs a personal loan.
GuideNepalLoansFDNEPSERead post - 8 min read
Do you need a PAN if you only earn a salary in Nepal?
Effectively yes: since 2019 your employer can't book your salary as a deductible expense without your PAN — and the filing rules surprise people.
GuideNepalTaxPANIRDRead post - 8 min read
Recurring deposit vs FD in Nepal: the math for monthly savers
A 5% recurring deposit doesn't pay like a 5% FD — the effective return is about half, since your money isn't in for the full term. The math, with current rates.
GuideNepalBankingSavingFDRead post - 9 min read
How to surrender a life insurance policy in Nepal, and what you lose
Surrender value in Nepal starts only after 3 years, and the first two years' premiums largely funded agent commission. The full math on GSV, tax, and exits.
GuideNepalInsuranceLife InsuranceEndowmentRead post - 16 min read
Closed-end vs open-end mutual funds in Nepal: NAV, discount, and which to pick
Closed-end funds list on NEPSE and trade below NAV; open-end funds transact at NAV with the manager. The full split on pricing, loads, tax, and which to pick.
GuideNepalMutual FundInvestingNAVSEBONRead post - 15 min read
How couples in Nepal should manage money: joint account, separate, or both?
Joint, separate, or hybrid for Nepali couples — the three models, plus the couple-vs-individual tax election, joint nominee, and the Rs 100 land conversion.
GuideNepalCouplesTaxPropertyPersonal FinanceRead post - 14 min read
Being a loan guarantor in Nepal: the full-debt risk before you sign someone's papers
A jamani in Nepal is liable for the full debt on default and can be CIB-blacklisted. The Civil Code 2074 rules, the collateral-first order, and the exit.
GuideNepalBorrowingGuarantorCIBCreditRead post - 11 min read
How to legally lower your income tax in Nepal: insurance, CIT, and donation deductions
The deductions that legally cut your Nepali income tax: retirement up to Rs 5 lakh, life insurance Rs 40,000, health Rs 20,000, donations, and the 10% rebate.
GuideNepalTaxDeductionsCITInsuranceRead post - 11 min read
Home loan balance transfer in Nepal: switching banks for a lower rate
Swapping a Rs 50 lakh loan from 11% to 8.5% saves Rs 7,600/month and breaks even in about 12 months. NRB caps the swap fee at 0.75%. The full cost math.
GuideNepalHome LoanBorrowingBankingRead post - 16 min read
Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money
The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys ~152 rupees and not a fixed number, and the cost.
GuideNepalExchange RateNRBPersonal FinanceUSDRead post - 12 min read
Can an NRN invest in NEPSE and buy property in Nepal? The rules for 2082/83
The honest 2082/83 rules: NRNs can't yet trade NEPSE's secondary market, but a SEBON joint-investment route, mutual funds, and capped property are open.
GuideNepalNRNNEPSEInvestingPropertyRead post - 13 min read
How to start a SIP in a Nepali mutual fund: the Rs 1,000-a-month route
How to start a SIP in a Nepali open-end mutual fund from Rs 1,000/month: the demat setup, ConnectIPS auto-debit, NAV, loads, tax, and a 20-year worked example.
GuideNepalSIPMutual FundInvestingSEBONRead post - 8 min read
What the 2083/84 budget changes at Rs 30k, 50k, 1 lakh and 2 lakh a month
What Nepal's 2083/84 budget saves you in tax at Rs 30k, 50k, 1 lakh and 2 lakh a month: from Rs 0 for the lowest earner to about Rs 2.5 lakh a year at the top.
GuideNepalBudgetSalaryTaxPersonal FinanceRead post - 9 min read
EV prices after Nepal's 2083/84 budget: the kW-to-value duty switch, explained
Nepal's FY 2083/84 budget replaced motor-power EV duty with a flat 20% customs plus a 2.5%-to-130% value-based fee. Cheap EVs barely move; premium ones jump.
GuideNepalBudgetEVTaxTransportRead post - 10 min read
Government pay rose by up to 21% in the 2083/84 budget: the new scale and your real take-home
Nepal's FY 2083/84 budget raised government pay up to 21% from Shrawan 2083 and lifted the 1% tax floor to Rs 10 lakh, so almost all of it reaches take-home.
GuideNepalBudgetSalaryTaxGovernmentRead post - 8 min read
Your Shrawan 2083 payslip: the TDS and take-home change after the budget
From Shrawan 2083, Nepal's new slabs hit your payslip: if taxable pay is under Rs 10 lakh, monthly TDS can drop near zero. What changes, and what to check.
GuideNepalBudgetSalaryTaxPayrollRead post - 11 min read
Capital gains tax on shares in Nepal: 5% or 7.5%, and who deducts it
What you pay selling shares on NEPSE: 5% long-term, 7.5% short-term, the weighted-average-cost math, who withholds at settlement, and the FY 2083/84 hike.
GuideNepalTaxInvestingNEPSESharesRead post - 8 min read
How much foreign currency can you carry out of Nepal? Passport endorsement and the limits
The USD 3,000 passport facility, the USD 5,000 cash declaration line, the education and medical quotas, and the USD 500 card cap, for FY 2082/83.
GuideNepalFXTravelNRBPersonal FinanceRead post - 9 min read
Getting paid from abroad in Nepal: Wise vs Payoneer vs bank wire
How Nepali freelancers receive foreign payments — Wise to a bank account, Payoneer for marketplaces, SWIFT wires, why PayPal still fails, and the 5% tax.
GuideNepalFreelanceFXTaxRemote WorkRead post