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 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.
- 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.
- 16 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 9 min read
Hundi vs the bank: the real cost of sending money home the illegal way
Hundi looks cheaper than a bank transfer to Nepal until you price the tail risk. The fee gap, the FX edge, the 3x fine, and what formal channels now cost.
- 8 min read
ConnectIPS vs mobile banking: fees, limits, and when to use which
ConnectIPS or your bank's app? The real fees, the per-transaction limits, and which digital rail to use for each kind of payment in Nepal.
- 10 min read
DV lottery winners: the real cost to settle in the US from Nepal
What a Nepali DV winner actually pays to reach the US: the $330 visa fee, $235 green-card fee, the IOM medical, flights, and the landing buffer nobody budgets.
- 9 min read
Final settlement when you quit a job in Nepal: PF, gratuity and leave encashment
What your employer owes when you resign in Nepal: unpaid salary, leave encashment, PF and gratuity, accrued bonus, the 15-day deadline, and the 5% lump-sum tax.