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Personal Finance

  • 14 min read

    Buying land in Nepal: lalpurja, kitta, and the 9 documents you must verify

    What to check before paying the bayana — lalpurja, char killa, kitta, tirja, malpot receipts, rokka, naksha pass — with real Kathmandu Valley costs.

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  • 11 min read

    MLM in Nepal: how to spot a pyramid scheme disguised as a 'business opportunity'

    Pyramid schemes cost Nepal Rs 3.79 billion in the Unity Life case alone. How to recognise one before you pay the joining fee — the law, the math, the red flags.

    GuideNepalScamsMLMPyramid SchemePersonal Finance
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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

    Buy Now Pay Later (BNPL) in Nepal: why the 'Zero EMI' loan still costs you 17–19%

    A 'Zero EMI' phone on Daraz or NIC Asia Instabuy carries a 5–10% fee — an effective 17–19% APR. The Nepal-specific math, the providers, and the trap.

    GuideNepalCredit CardsPersonal LoansConsumer FinancePersonal Finance
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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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  • 17 min read

    Cost of raising a child in Nepal: birth to Class 12, line by line

    An honest, citation-backed breakdown of raising one child in Nepal — delivery, vaccines, Montessori, school fees, +2, healthcare, ceremonies — in three tiers.

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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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  • 16 min read

    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.

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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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  • 13 min read

    Nepal income tax brackets 2082/83: a salaried person's cheat sheet

    The exact income tax slabs for FY 2082/83, with take-home math for Rs 30k–2L monthly salaries, the SSF waiver, the 10% female rebate, and key deductions.

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  • 14 min read

    Term life insurance in Nepal: the cheapest plans for a 30-year-old (and why most ‘term’ plans aren't actually cheap)

    What pure-term life insurance costs in Nepal at age 30, the eight insurers who sell it, why return-of-premium plans cost 1.5–3× more, and how to choose.

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  • 13 min read

    Realistic Nepali wedding budget: what Rs 5 lakh, Rs 15 lakh, and Rs 50 lakh actually buy in Kathmandu

    What a Rs 5L, 15L, and 50L wedding actually looks like in Nepal — venue, catering, gold, attire, photography, decor — with real per-plate and per-tola numbers.

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  • 50 min read

    Nepal Money Basics: a complete guide to personal finance in Nepal

    A pillar guide to personal finance in Nepal — taxes, salary, saving, retirement (CIT/PF/SSF), insurance, home loans, NEPSE, and budgeting in NPR.

    GuideNepalPersonal FinanceHubPillar
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  • 10 min read

    Bike vs car vs ride-share in Kathmandu: the real monthly cost

    A Wagon R looks like Rs 33 lakh, a Pulsar like Rs 3 lakh. Run the full math — fuel, tax, insurance, depreciation — and the Kathmandu answer changes.

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  • 10 min read

    EV vs petrol in Nepal: the break-even km is shorter than you think

    Nepal's taxes make a Tata Tiago EV cheaper than a Suzuki Wagon R on day one, and save ~Rs 96,000/year in fuel. The full math, with the hidden costs.

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  • 9 min read

    Renting vs buying in Kathmandu: the spreadsheet most people skip

    Most rent-or-buy advice skips registration fees, opportunity cost, and the early-EMI interest tax. Here is the spreadsheet — with 2026 Kathmandu numbers.

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  • 3 min read

    Welcome to Kharchapatra — a personal finance tracker for Nepal

    Why we built a budget app around Nepali bank statements, रुपैयाँ, and Bikram Sambat — and what you can do with it from day one.

    AnnouncementNepalPersonal Finance
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