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Investing

  • 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: 5% or 7.5%, and who deducts it

    What you pay selling shares on NEPSE: 5% long-term, 7.5% short-term, the weighted-average-cost math, who withholds at settlement, and the FY 2083/84 hike.

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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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  • 12 min read

    Bonus share vs cash dividend in Nepal: which one actually builds wealth (and the 5% tax both pay)

    Bonus shares and cash dividends are both taxed 5% in Nepal — legally the same thing. The real difference is when you pay capital gains, with worked examples.

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  • 16 min read

    Reading a Nepali mutual fund factsheet without getting fooled by NAV

    A line-by-line guide to the monthly factsheet Nepali mutual funds publish — NAV vs market price, AUM, expense ratio, holdings, and the metrics that matter.

    GuideNepalMutual FundInvestingNAVSEBONFactsheet
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  • 10 min read

    The beginner's roadmap to financial independence in Nepal

    How financial independence actually works on a Nepali salary — the FI number, the 4% rule, and a step-by-step path through SSF, CIT, FDs, and mutual fund SIPs.

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  • 10 min read

    NEPSE vs SIP vs FD for a 25-year-old in Kathmandu

    If you're 25 and salaried in Kathmandu with spare money, how to weigh NEPSE direct, mutual fund SIPs, and FDs without falling for the headline returns.

    GuideNepalInvestingNEPSESIPFDYoung Investor
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