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25 posts tagged "Saving".

  • 10 min read

    Your Food budget is four budgets: splitting groceries, khaja, eating out and delivery in Nepal

    NRB's new price index moved restaurants out of food, and afternoon khaja now outweighs lunch in it. Why one Food line hides four budgets, and how to split it.

    GuideNepalBudgetingKathmanduPersonal FinanceSaving
  • 14 min read

    You just received Rs 20 lakh in Nepal: the deployment decision tree

    A Dashain bonus, a Gulf gratuity, a land sale. Where Rs 20 lakh goes when the one-year FD pays 3%, inflation runs 5.96%, and NEPSE sits at 2,630: debt, buffer, then a phased menu.

    GuideNepalInvestingSavingReturneesDashain
  • 16 min read

    What return should you actually assume in Nepal? The number your SIP and retirement math depends on

    Thirty years of NEPSE, twelve years of NRB deposit rates, and a decade of gold and inflation, turned into the planning numbers to type into your SIP and retirement calculators.

    GuideNepalInvestingSavingRetirementFIRE
  • 10 min read

    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.

    GuideNepalRemittanceForeign EmploymentSavingBudgeting
  • 13 min read

    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.

    GuideNepalSavingBankingNRB
  • 9 min read

    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.

    GuideNepalBankingSavingNRBFD
  • 9 min read

    The real cost of a 'free' bank account in Nepal

    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.

    GuideNepalBankingSavingFees
  • 11 min read

    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.

    GuideNepalDhukutiSavingCommitteeRisk
  • 8 min read

    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.

    GuideNepalBankingFamilySaving
  • 9 min read

    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+.

    GuideNepalBudgetingKathmanduCost of LivingSaving
  • 11 min read

    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.

    GuideNepalSavingBankingInvesting
  • 8 min read

    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.

    GuideNepalInvestingGoldSaving
  • 8 min read

    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.

    GuideNepalSavingBudgetingCost of Living
  • 10 min read

    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.

    GuideNepalBankingSavingDCGF
  • 11 min read

    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.

    GuideNepalBankingFDSaving
  • 8 min read

    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.

    GuideNepalBudgetingSpendingSavingKathmandu
  • 8 min read

    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.

    GuideNepalBudgetingSpendingKathmanduSaving
  • 9 min read

    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.

    GuideNepalSavingBudgetingAutomationSalary
  • 8 min read

    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.

    GuideNepalBankingSavingFD
  • 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.

    GuideNepalSavingInvestingCompoundingPersonal Finance
  • 12 min read

    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.

    GuideNepalSavingSubscriptions
  • 9 min read

    Sinking funds: the trick that makes Dashain and Tihar spending painless

    Festival spending isn't an emergency — it's annual and dated. A sinking fund spreads the cost over 12 months so Dashain stops borrowing from January.

    GuideNepalSavingFestivalsDashain
  • 10 min read

    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.

    GuideNepalStudy AbroadForeign ExchangeSaving
  • 7 min read

    How big should your emergency fund be in Kathmandu? A 3-month vs 6-month vs 12-month gut check

    How big should your emergency fund be in Kathmandu? 3 months is the floor, 6 is comfortable, 12 is for the self-employed — with real रू numbers.

    GuideNepalSavingEmergency FundKathmandu