Banking
44 posts tagged "Banking".
- 17 min read
Why your bank shares stopped paying dividends: the Rs 70 arba profit that became a 2% payout
Commercial banks earned Rs 69.78 arba in FY 2082/83, yet four cannot pay a rupee and Kumari offers 2.1%. Distributable profit, the regulatory reserve and bad loans, explained.
- 19 min read
Someone offered you Rs 10,000 a month to use your bank account. That makes you a money mule
Lending your bank account for a monthly fee makes you a money mule. The exposure in Nepal: up to 15 years, a fine of twice the amount, and a frozen account.
- 14 min read
The 80% first-home loan in Nepal: four conditions decide whether you actually get it
Nepal's first-home buyer rule allows 80% LTV up to Rs 3 crore. Four NRB conditions gate it, a 70% income test caps it, and only some banks offer it.
- 8 min read
Cardless cash withdrawal at Nepali ATMs: how it works and which banks support it
Forgot your debit card? Several Nepali banks let you pull cash from an ATM using just your mobile banking app and an OTP. The mechanism, the limits, who supports it.
- 7 min read
The FD auto-renewal trap: how your fixed deposit can quietly earn less after maturity
A Nepali bank FD can auto-renew at today's much lower rate, or by one bank's terms, pay zero interest if you never gave clear instructions. The fine print, decoded.
- 10 min read
Joint bank account rules for married couples in Nepal
Nepali banks default a joint account to Either-or-Survivor, but the money still needs a death certificate to move, and nomination stops once an account is joint.
- 9 min read
- 8 min read
Is Nepal getting a digital currency? What NRB's CBDC plans mean for your money
NRB has quietly built a digital-currency prototype since 2022 and sent a bill to Parliament in 2026. No pilot exists yet, and eSewa, Khalti, ConnectIPS aren't it.
- 8 min read
What happens to your account and FD when two Nepali banks merge?
When two Nepali banks merge, your account number and FD interest rate stay the same. The one thing that can quietly halve: your Rs 5 lakh deposit guarantee.
- 8 min read
NRN bank accounts in Nepal: what you can open and what you can take back out
An NRN can hold a Nepali-rupee account and a convertible foreign-currency account. What each allows, the USD 5,000 minimum, and which money you can repatriate.
- 9 min read
The cheapest way for your family to receive your remittance in Nepal
The family collecting remittance in Nepal pays no fee — the cost hides in the exchange-rate margin. How to pick the channel and account that keeps the most.