Digital Finance

Insights and how-to guides on digital finance in Nepal — digital wallets, online payments, mobile banking, QR payments, and the growing fintech ecosystem.

Fixed deposit rules tax and deposit insurance in Nepal explained

Fixed Deposit in Nepal: Rules, Tax, Early Withdrawal and What Is Actually Insured

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Updated August 2026. Rules below are from Nepal Rastra Bank’s Unified Directives; the rates quoted are each bank’s own published figures effective Shrawan 1, 2083 (17 July 2026). Deposit rates change monthly — check the current notice before you commit. A fixed deposit looks like the simplest product a bank sells. It is, until you […]

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Education loan and Ministry of Education NOC for studying abroad from Nepal

Education Loan and the MoE NOC: Funding Study Abroad from Nepal

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Updated August 2026. Foreign-exchange limits for students are set by NRB circular and revised periodically; the No Objection Certificate process is run by the Ministry of Education. Confirm current figures with your bank and the Ministry before committing to a deadline. The offer letter arrived. Now you need to move tuition money out of Nepal

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Home loan in Nepal loan to value ratio limits and required documents

Home Loan in Nepal: How Much You Can Borrow, Documents and the Rules That Changed

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Updated August 2026. The loan-to-value and ceiling figures below come from Monetary Policy 2082/83 (announced July 2025). Monetary policy is revised annually and amended by circular — confirm current limits with your bank before planning a purchase. If your idea of home loan rules in Nepal is “banks lend 50%, and less inside Kathmandu Valley”,

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Bank interest rate base rate and premium explained for Nepal borrowers

Bank Interest Rates in Nepal: Base Rate, Premium and How to Compare Loans

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Updated August 2026. Interest rates in Nepal change monthly and NRB revises its directives by circular. This guide explains the mechanism so it stays useful — it deliberately does not print a rate table that would be stale within weeks. Your loan rate went up and nobody asked you. Or two banks quote “11%” and

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Cheque bounce law and penalties in Nepal under Banking Offence Act

Cheque Bounce in Nepal: The New Law, the Penalties and What to Do

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Updated August 2026. Nepal’s cheque-dishonour law changed substantially in May 2025. Most articles online still describe the old position and are now wrong. Section numbers below come from legal commentary; the official gazette text could not be retrieved, so treat specifics as indicative and consult a lawyer for a live case. A cheque you issued

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How to check and remove a bank blacklist entry in Nepal via CIB

Bank Blacklist in Nepal: How to Check If You Are Listed and How to Get Removed

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Updated August 2026. Based on the Credit Information Bureau’s own published FAQ, Nepal Rastra Bank’s guidance on credit information, and reporting on the July 2025 amendment to NRB’s Unified Directive. Rules change by circular — confirm with your bank and CIB. Your loan application is rejected and the officer says one word: blacklist. No letter

Bank Blacklist in Nepal: How to Check If You Are Listed and How to Get Removed Read More »

SWIFT transfer charges inward and outward fees of Nepal banks

SWIFT Transfer Charges in Nepal: Inward and Outward Fees Explained

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Last updated: August 2026. Bank tariffs change without much notice, and each schedule below carries its own effective date. Treat these as worked examples of how Nepali banks structure SWIFT charges — then get your own bank’s current schedule. Your client sent USD 1,000. Your account shows the rupee value of about USD 955. Where

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Ways to receive international payments in Nepal compared for freelancers

How to Receive International Payments in Nepal: SWIFT, Wise, Remittance and Bank Transfer Compared

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Last updated: August 2026. Payment platform availability for Nepal changes without notice, and tax rules change with each Finance Act. Everything below is sourced; where a popular claim could not be verified, we say so plainly rather than repeat it. You finished the project. The client wants to pay. Now comes the part nobody taught

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