Rs 21 kharba in remittance came home this year. Here is the receiving family's playbook
Nepal received Rs 2,120 billion in remittance in 11 months while savings rates fell to 2.75%. What the family at home should do with the money, step by step.
Your savings account pays 2.75%. Inflation is 5.22%. What a year of that costs
Nepali banks pay 2.75% on savings while inflation runs 5.22%. When the real return went negative, what Rs 1 lakh loses in a year, and the 1pp you can claim.
A-class vs B-class vs C-class bank in Nepal: does it matter for your FD or savings account?
Class A, B, and C banks in Nepal differ in paid-up capital and regulatory tier, not deposit-insurance coverage. What actually changes for your FD or savings account.
A 'free' Nepali savings account still drips Rs 1,000-1,500 a year in SMS, debit-card and app fees. But the below-minimum penalty everyone fears doesn't exist here.
Dhukuti in Nepal: how it works, the real return, and when it collapses
Dhukuti promises above-bank returns from a circle of people you trust. How the bidding really works, why it is banned under Section 14A, and when it collapses.
Bal Bachat: should you open a bank savings account in your child's name in Nepal?
What a बाल बचत child savings account in Nepal really pays (about 2.75%), the 6% tax on it, the free-insurance add-ons, and when an SIP beats it for college money.
What it actually costs to live in Kathmandu per month (2083)
A real monthly cost-of-living breakdown for Kathmandu in 2083: rent, food, utilities, transport, school fees. One person ~Rs 35k, a family of four ~Rs 90k+.
FD rates have fallen across Nepal: where do you actually park money now?
Bank FD rates in Nepal have slid from ~11% to about 4%, and the real return after tax and inflation is now negative. Where your money can actually keep up.
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.
A Kathmandu grocery basket in 2083 vs 2080: what the same Rs 5,000 buys now
Cooking gas up 20%, fuel up a quarter, oil and meat sharply higher, sugar and vegetables flat. What the same Rs 5,000 grocery run buys in Kathmandu now vs 2080.
Is your bank deposit safe? Nepal's Rs 5 lakh deposit insurance, explained
Bank deposits in Nepal are guaranteed up to Rs 5,00,000 per person per bank by the DCGF — but only at NRB-licensed banks, not co-operatives. What's covered.
Breaking an FD early in Nepal: how much interest you actually lose
Break an FD early and the bank pays the lower completed-period rate minus a 1–3% penalty, so your yield can slip below a savings account. The loss math inside.
A 30-day no-spend challenge adapted for a Nepali salary
A 30-day no-spend challenge built for a Nepali salary: what counts as essential, which month to pick, and how much a Kathmandu earner can realistically recover.
The daily Rs 200 leak: what small Kathmandu habits cost you over a year
Rs 200 a day in small Kathmandu habits is Rs 73,000 a year. What coffee, momo, rides, and data packs really cost, and what the leak becomes if you redirect it.
Pay yourself first: automating savings on a Nepali salary before you can spend it
How to automate savings on a Nepali salary: salary-day standing instructions, recurring deposit auto-debit, ConnectIPS SIP e-mandates, and wallet auto-save.
Recurring deposit vs FD in Nepal: the math for monthly savers
A 5% recurring deposit doesn't pay like a 5% FD — the effective return is about half, since your money isn't in for the full term. The math, with current rates.
7 hidden subscriptions eating your monthly budget — Nepal edition
Streaming trials, AI tools, shared plans you stopped using. The seven categories where the leak is biggest in Nepal — plus a 30-minute audit that fixes it.
Sending your child abroad to study: the 12-month FX and savings runway
The 12-month plan for funding a child's study abroad from Nepal — NOC, NRB foreign exchange limits, visa show money, and a month-by-month savings runway.
