Personal Finance
- 9 min read
Travel insurance for your visa application: what embassies require and what it costs from Nepal
Schengen visas require EUR 30,000 medical cover; the UK and US require none. Verified Nepali premiums from ~Rs 5,800 for 15 days, and the age-70 wall.
- 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.
- 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.
- 11 min read
Buying an apartment in Kathmandu: the real cost beyond the sticker price
A Rs 1.5 crore apartment in Kathmandu rarely costs Rs 1.5 crore. Loading factor, registration, furnishing, and monthly dues are the gaps nobody quotes up front.
- 9 min read
How to claim a life insurance payout after a death in Nepal
How to claim a life insurance death benefit in Nepal: the documents, the settlement timeline, the nominee law under Act 2079, and why claims get rejected.
- 9 min read
What to do with money when someone dies in Nepal: bank, FD, PF, insurance, and shares
When someone dies in Nepal, their bank, FD, PF, CIT, SSF, insurance, and shares must each be claimed separately. The documents, the process, and the traps.
- 7 min read
What to do with your first salary in Nepal
Got your first salary in Nepal? The PAN and SSF setup, how much tax you actually pay, the emergency fund, and the first-paycheck mistakes worth skipping.
- 10 min read
The government Health Insurance Program in Nepal: the Rs 3,500 family plan, explained
Nepal's government Health Insurance Program covers a family of five for Rs 3,500/year up to Rs 1 lakh. How to enroll, what it pays, and the 2026 funding crisis.
- 8 min read
Coming back to Nepal from abroad: a money checklist for returnees
Moving back to Nepal after years abroad? The rules on bringing cash and gold home, tax residency, claiming a foreign pension, and where to park your savings.
- 16 min read
How couples in Nepal should manage money: joint account, separate, or both?
Joint, separate, or hybrid for Nepali couples — the three models, plus the couple-vs-individual tax election, joint nominee, and the Rs 100 land conversion.
- 16 min read
Why is the Nepali rupee pegged to the Indian rupee? What the 1.6 rate means for your money
The Nepali rupee has been fixed at 1.60 per Indian rupee since 1993. Why the peg exists, why your dollar buys ~152 rupees and not a fixed number, and the cost.
- 8 min read
What the 2083/84 budget changes at Rs 30k, 50k, 1 lakh and 2 lakh a month
What Nepal's 2083/84 budget saves you in tax at Rs 30k, 50k, 1 lakh and 2 lakh a month: from Rs 0 for the lowest earner to about Rs 2.5 lakh a year at the top.
- 8 min read
How much foreign currency can you carry out of Nepal? Passport endorsement and the limits
The USD 3,000 passport facility, the USD 5,000 cash declaration line, the education and medical quotas, and the USD 500 card cap, for FY 2082/83.
- 9 min read
Hundi vs the bank: the real cost of sending money home the illegal way
Hundi looks cheaper than a bank transfer to Nepal until you price the tail risk. The fee gap, the FX edge, the 3x fine, and what formal channels now cost.
- 8 min read
What got cheaper and what got costlier in Nepal's 2083/84 budget
Nepal's 2083/84 budget cut customs on 273 raw materials and excise on 360 items, while cigarettes, alcohol and heavy electricity got costlier. What's confirmed.
- 8 min read
New income tax slabs in Nepal's 2083/84 budget: how much more (or less) you pay
Nepal's 2083/84 budget doubled the 1% tax floor to Rs 10 lakh and cut the top rate to 29%. What's confirmed, what's still in the Finance Bill, and the saving.
- 8 min read
Nepal Budget 2083/84 and your money: what changed for salary, tax, and savings
Nepal's FY 2083/84 budget doubled the tax exemption to Rs 10 lakh, cut the top rate to 29%, raised public pay ~21%, and added 10% VAT cashback on digital pay.
- 14 min read
Inheritance and wills in Nepal: what happens to your money if you don't write one
The Muluki Civil Code 2074 governs intestate succession in Nepal: daughters inherit equally, there is no estate tax, and the real bottleneck is execution.
- 11 min read
Salary negotiation in Nepal: how to ask for an increment without burning the relationship
Nepal's legal raise floor is about 1.7%/year, below inflation. The data to anchor on, the timing to use, and a script that asks for more without friction.
- 12 min read
TDS in Nepal explained: why your salary takes a haircut before you ever see it
What TDS really is, why payroll computes it as annual tax divided by 12, the rates on rent and dividends, and how Annexure 10 verifies every paisa deposited.
- 12 min read
Health insurance claim process in Nepal: what hospitals actually pay vs reject
How health insurance claims actually work in Nepal — the HIB government scheme, private insurance flow, rejection patterns, and the 30-day Act 2079 rule.
- 13 min read
Capital gains tax on property in Nepal: the 7.5% and 10% math nobody explains
What sellers actually pay transferring land or a house in Nepal — 7.5% long-term, 10% short-term, base cost rules, malpot advance tax, and three worked examples.
- 12 min read
Dashain bonus and tax: why your Kartik salary slip looks weird
Section 37 gives you one month's basic as festival expense. Why your Kartik slip looks odd: the whole bonus is taxable and TDS gets re-projected for the year.
- 12 min read
Women's property rights in Nepal: ansha, parental property, and the marital share
What the Constitution 2072 and Civil Code 2074 give Nepali women: equal coparcener status, parental ansha, widow's share, and the 25% registration discount.