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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.

  • 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.

    GuideNepalRemittanceForeign EmploymentFXPersonal Finance
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  • 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.

    GuideNepalDigital PaymentsConnectIPSBanking
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  • 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.

    GuideNepalDV LotteryUSAForeign ExchangeDiaspora
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  • 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.

    GuideNepalLabour LawRetirementSalaryTax
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  • 9 min read

    Car loan in Nepal: down payment, interest, and the real monthly cost

    NRB caps car loans at 60% of value, so you bring 40% down. The FY 2082/83 LTV rule, current rates, and a worked EMI on a Rs 42 lakh car.

    GuideNepalAuto LoanBorrowingCar
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  • 11 min read

    FD laddering in Nepal: stay liquid and still earn fixed-deposit rates

    Splitting one big FD into a ladder of 3, 6, and 12-month deposits keeps cash maturing regularly so you skip the premature-withdrawal penalty. The math inside.

    GuideNepalBankingFDInvesting
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  • 11 min read

    How much home loan can you actually get on your salary in Nepal?

    Banks approve the lower of what your salary can service and what the LTV cap allows. The FY 2082/83 math, with a salary-to-loan table at 80% LTV and 8% rates.

    GuideNepalHome LoanBorrowingBanking
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  • 8 min read

    What got cheaper and what got costlier in Nepal's 2083/84 budget

    Nepal's 2083/84 budget cut customs on 273 raw materials and excise on 360 items, while cigarettes, alcohol and heavy electricity got costlier. What's confirmed.

    GuideNepalTaxBudgetConsumerPersonal Finance
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  • 8 min read

    New income tax slabs in Nepal's 2083/84 budget: how much more (or less) you pay

    Nepal's 2083/84 budget doubled the 1% tax floor to Rs 10 lakh and cut the top rate to 29%. What's confirmed, what's still in the Finance Bill, and the saving.

    GuideNepalTaxBudgetSalaryPersonal Finance
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  • 8 min read

    Nepal Budget 2083/84 and your money: what changed for salary, tax, and savings

    Nepal's FY 2083/84 budget doubled the tax exemption to Rs 10 lakh, cut the top rate to 29%, raised public pay ~21%, and added 10% VAT cashback on digital pay.

    GuideNepalTaxBudgetSalaryPersonal Finance
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  • 15 min read

    Margin lending on NEPSE: the math that wipes out small accounts

    At 70% LTV, a 30% NEPSE drop wipes out 100% of your equity. The real math behind bank margin loans, broker MTF, and the new SEBON 2082 directive.

    GuideNepalNEPSEInvestingRiskMargin Lending
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  • 14 min read

    Switching jobs in Nepal: what happens to your PF, CIT, and SSF balance

    What actually happens to your PF, CIT, and SSF balance when you change jobs in Nepal — and the three mistakes most people make in the handover month.

    GuideNepalRetirementPFSSFCITCareer
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  • 14 min read

    Tax on FD interest in Nepal: the 6% TDS you never noticed

    Your bank skims 6% off every rupee of fixed-deposit interest. How the math works, why it's a final tax you can't adjust against your slab, and the exemption.

    GuideNepalTaxFDInvestingTDS
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  • 12 min read

    Creator income tax in Nepal: how YouTube, TikTok, and brand-deal payouts get taxed

    FY 2082/83 added a flat 5% final tax on foreign-currency creator income up to Rs 40 lakh, deducted by the bank. The math for a Nepali YouTuber or streamer.

    GuideNepalTaxCreatorsYouTubeTikTok
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  • 14 min read

    Inheritance and wills in Nepal: what happens to your money if you don't write one

    The Muluki Civil Code 2074 governs intestate succession in Nepal: daughters inherit equally, there is no estate tax, and the real bottleneck is execution.

    GuideNepalInheritanceWillsFamilyPersonal FinanceCivil Code
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  • 11 min read

    Salary negotiation in Nepal: how to ask for an increment without burning the relationship

    Nepal's legal raise floor is about 1.7%/year, below inflation. The data to anchor on, the timing to use, and a script that asks for more without friction.

    GuideNepalSalaryCareerPersonal Finance
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  • 12 min read

    TDS in Nepal explained: why your salary takes a haircut before you ever see it

    What TDS really is, why payroll computes it as annual tax divided by 12, the rates on rent and dividends, and how Annexure 10 verifies every paisa deposited.

    GuideNepalTaxSalaryTDSPersonal Finance
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  • 13 min read

    How to file income tax online in Nepal: an IRD taxpayer-portal walkthrough

    The IRD taxpayer portal handles D-01, D-02 and D-03 returns. Who must file, which form fits, the deductions, and the Ashoj-end deadline that catches people.

    GuideNepalTaxIRDFilingPAN
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  • 12 min read

    IPO allotment in Nepal: how the lottery actually works and why everyone gets 10 kitta

    With 6.8 million demat holders and IPOs issuing 12–30 lakh shares, SEBON's 10-kitta rule forces a lottery. Recent IPOs hit 21x–38x oversubscription.

    GuideNepalNEPSEIPOInvestingSEBON
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  • 11 min read

    QR payment fraud in Nepal: the three Fonepay scams Kathmandu shopkeepers see daily

    Fake-screenshot, sticker-overlay, and OTP-refund: the three Fonepay QR scams running across Kathmandu, the 217 logged cases, and how to stop each one.

    GuideNepalFraudFonepayDigital PaymentsCyber Crime
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  • 12 min read

    Bank Statement Decoded: 20 Codes and Abbreviations on Your Nepali Statement

    Decode IPS, NCHL, ABBS, RTGS, IBFT, TTR, MICR, and the 13 other codes that show up on every Nepali bank statement. Real limits, real fees, real rules.

    GuideNepalBankingStatement
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  • 12 min read

    CIB Blacklist in Nepal: How You Get On It and How to Get Off

    150,000 Nepalis blacklisted as of Nov 2025. The triggers (cheque bounce, 90-day default, Rs 1M threshold), the 6-step removal, and the Dec 2025 NRB easing.

    GuideNepalBankingCIBCredit
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  • 13 min read

    Credit Card in Nepal: When It Makes Sense and When It's a Trap

    Only 3.18 lakh cards against 1.35 crore debit cards. The 27% APR, USD 2,000 ecom cap, OTP scams, and the four cases where a credit card is the right tool.

    GuideNepalBankingCredit Card
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  • 13 min read

    Education Loan in Nepal: Banks, Rates, and the Co-Sign Reality

    Rs 138 billion left Nepal for foreign study in FY 2024/25. Bank rates of 5.64–16.3%, the USD 25,000 NRB cap, the 3% service fee, and what co-signers risk.

    GuideNepalBorrowingEducationStudy Abroad
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