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Banking

  • 7 min read

    What happens if you can't pay your loan EMI in Nepal?

    Missing an EMI doesn't mean the bank seizes your house overnight. The real timeline from a missed installment to penal interest, CIB blacklist, and auction.

    GuideNepalLoansBankingPersonal Finance
  • 11 min read

    Bank lockers in Nepal: rent, rules, and whether a safe deposit box is worth it

    What a bank locker costs in Nepal: Rs 2,000–17,000 rent, the refundable deposit, who can rent one, and the catch — the bank isn't liable if it's robbed.

    GuideNepalBankingGoldPersonal Finance
  • 11 min read

    OTP and phishing fraud in Nepal: how bank-account scams actually happen

    How OTP and phishing scams empty Nepali bank accounts, the hard truth that no rule forces a refund, and exactly what to do in the first hour after you're hit.

    GuideNepalFraudBankingDigital MoneyPersonal Finance
  • 10 min read

    Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained

    Bank deposits in Nepal are guaranteed up to Rs 5,00,000 per person per bank by the DCGF — but only at NRB-licensed banks, not co-operatives. What's covered.

    GuideNepalBankingSavingDCGF
  • 11 min read

    Breaking an FD early in Nepal: how much interest you actually lose

    Break an FD early and the bank pays the lower completed-period rate minus a 1–3% penalty, so your yield can slip below a savings account. The loss math inside.

    GuideNepalBankingFDSaving
  • 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
  • 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
  • 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
  • 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
  • 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.

    GuideNepalBankingSavingFD
  • 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 LoanBorrowingBanking
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 13 min read

    How to Choose a Savings Account in Nepal: Beyond the Interest Rate

    Class A banks pay 2.48% to 3.25% on savings in May 2026. The DCGF Rs 5 lakh limit, CAR, NPL, hidden charges, and the four decisions that actually matter.

    GuideNepalBankingSavings
  • 16 min read

    Sending money home to Nepal: hundi vs bank vs remit app for NRNs

    NRNs send Nepal over Rs 200bn a month. The legal channels, the fee and FX math, what hundi costs when prosecuted, and the NRN benefits most never claim.

    GuideNepalNRNRemittanceHundiBankingPersonal Finance
  • 13 min read

    Home loan EMI math in NPR: what you actually pay for a Rs 1 crore house in Nepal

    Home loan EMI formula in Nepal, NRB's 80% LTV cap for first-time buyers, floating-rate resets, and prepayment math — with a calculator.

    GuideNepalHome LoanEMIReal EstateBanking