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Investing

  • 8 min read

    Gold just hit record highs: what to weigh before you buy a tola now

    Gold hit Rs 339,300 a tola in Nepal in early 2026. Before you buy at a record, the making-charge spread, taxes, and peak risk that decide what it really costs.

    GuideNepalInvestingGoldSaving
  • 8 min read

    NEPSE near record highs: how to judge if the market is expensive

    NEPSE's valuations sit near record highs even with the index below its 2021 peak. How to read P/E, market-cap-to-GDP, and dividend yield to judge it.

    GuideNepalInvestingNEPSEShares
  • 13 min read

    Saving for your child's education in Nepal: the 18-year plan

    How much to save monthly for a child's education in Nepal, which vehicle actually beats fee inflation, and why most 'child education' plans underperform a SIP.

    GuideNepalFamilyEducationInvestingPersonal Finance
  • 9 min read

    How NEPSE settlement works: T+2, circuit breakers and when your shares actually arrive

    How NEPSE's T+2 settlement works, when your shares and money actually arrive, and the new 5%/8% circuit breakers and 15% daily limit after the April 2026 rules.

    GuideNepalNEPSEInvestingShares
  • 9 min read

    Promoter shares vs ordinary shares in Nepal: lock-in, price gap and why they differ

    Why promoter shares trade ~40% below ordinary shares on NEPSE, the 3-year lock-in, the conversion and transfer rules, and why retail can't just buy them.

    GuideNepalNEPSEInvestingShares
  • 10 min read

    What happens to your shares when you die? Demat transmission in Nepal

    When a shareholder dies in Nepal, demat shares pass to heirs by transmission. The CDSC form, the documents, the 35-day objection notice, and the tax on sale.

    GuideNepalInvestingNEPSEDemat
  • 8 min read

    Lean FIRE in Nepal: the smallest number you can actually retire on

    Lean FIRE is retiring early on a frugal budget. The smallest realistic number for Nepal — a Rs 40,000–62,000/month life, and the Rs 1.2–2 crore corpus it takes.

    GuideNepalFIRERetirementInvesting
  • 9 min read

    Reading a NEPSE company's financials: EPS, P/E and book value for beginners

    What EPS, P/E, and book value mean for a NEPSE stock, why annualized EPS misleads, the late-2025 market P/E near 38 vs banks at 16, and where to find each.

    GuideNepalInvestingNEPSEStocks
  • 10 min read

    Book closure dates on NEPSE: who gets the dividend, who gets nothing

    Buy one trading day before book closure and the dividend is yours; buy on the date and you get nothing. The cutoff rule, the price math, and where to check.

    GuideNepalInvestingNEPSEDividendPersonal Finance
  • 8 min read

    Unclaimed dividends in Nepal: how to find and recover money your shares already paid you

    Nepali firms sit on billions in unclaimed dividends, and after 5 years it goes to the Investor Protection Fund. How to check your BOID and claim it back.

    GuideNepalInvestingNEPSEDividendPersonal Finance
  • 10 min read

    Debentures in Nepal: the 10–12% bonds most retail investors ignore

    Bank debentures pay 7–9% on new issues, with older 10–12% bonds still on NEPSE. How to buy via ASBA, the 6% tax, the credit rating, and the FD comparison.

    GuideNepalInvestingDebenturesNEPSEBonds
  • 8 min read

    How to buy your first share on NEPSE: the TMS step-by-step

    A Demat account alone won't let you buy a share. Here is the full chain — Demat, Mero Share, broker, and TMS — and how to place your first NEPSE buy order.

    GuideNepalNEPSEInvestingPersonal Finance
  • 8 min read

    FPO vs IPO in Nepal: what's the difference and should you apply?

    An IPO sells at Rs 100; an FPO can cost Rs 157 or Rs 280. Why FPOs carry a premium, how allotment works, and whether the listing gain is worth it.

    GuideNepalNEPSEIPOInvesting
  • 9 min read

    Government and citizen savings bonds in Nepal: rates, tenure, and how to buy through NRB

    Nepal's treasury bills, development bonds, and citizen savings bonds: what they pay (7 to 12.5%), the Rs 10,000 minimum, and how to buy one through NRB.

    GuideNepalInvestingBondsNRBFixed Income
  • 9 min read

    What it costs to buy and sell shares on NEPSE: broker commission, SEBON fee, and DP charge

    The real cost of a NEPSE trade: 0.24–0.36% broker commission slabs, the 0.015% SEBON fee, the Rs 25 DP charge, and 7.5% capital gains tax, worked on Rs 1 lakh.

    GuideNepalInvestingNEPSESharesTax
  • 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.

    GuideNepalMutual FundInvestingNAVSEBON
  • 12 min read

    Can an NRN invest in NEPSE and buy property in Nepal? The rules for 2082/83

    The honest 2082/83 rules: NRNs can't yet trade NEPSE's secondary market, but a SEBON joint-investment route, mutual funds, and capped property are open.

    GuideNepalNRNNEPSEInvestingProperty
  • 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.

    GuideNepalSIPMutual FundInvestingSEBON
  • 11 min read

    Capital gains tax on shares in Nepal: 7.5% or 10%, and who deducts it

    What you pay selling shares on NEPSE: 7.5% long-term, 10% short-term under the FY 2083/84 hike, the weighted-average-cost math, and who withholds it at settlement.

    GuideNepalTaxInvestingNEPSEShares
  • 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
  • 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
  • 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
  • 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
  • 14 min read

    Coast FIRE for Nepal: the age and savings number that lets you stop adding to investments

    The Rupee number that, left to compound, grows into a Nepali retirement corpus by age 60 — three expense scenarios, three age cohorts, 5% real return.

    GuideNepalFIRECoast FIRERetirementInvestingCompounding