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Investing

  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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
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  • 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.

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  • 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.

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  • 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
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  • 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.

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  • 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.

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  • 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.

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  • 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.

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  • 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.

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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.

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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

    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.

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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.

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  • 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.

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  • 12 min read

    NEPSE sectors decoded: banking vs hydro vs microfinance vs insurance — risk/return reality

    Each NEPSE sector behaves differently — earnings, P/E, dividends, dilution, NPL. Here is the honest sector-by-sector map with 2025/26 numbers.

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  • 13 min read

    Right shares vs bonus shares vs cash dividend: which actually builds wealth in NEPSE?

    Bonus and cash dividends hand you something; a right share asks for a fresh cheque at Rs 100. How the three NEPSE corporate actions differ, and when each pays.

    GuideNepalInvestingNEPSERight SharesPersonal Finance
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  • 13 min read

    The first Rs 10 lakh: why it's harder than the next 10 (and what that means on a Nepali salary)

    Why your first Rs 10 lakh takes years and the next takes far less — at Nepal's FD, CIT and NEPSE rates — and the order of operations to get there.

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  • 16 min read

    Mero Share and DEMAT in Nepal: the mistakes that cost first-time investors real money

    DEMAT renewal, wrong CRN, missed EDIS, wrong unit counts — the Mero Share and CDSC mistakes that quietly cost Nepali retail investors money. A 2026 guide.

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