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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
