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Khalti Stripe deducts 5% TDS automatically — do I still need to file taxes / PAN separately?
Yes. The 5% deducted at source is advance tax, not final tax. You still file an annual income return and reconcile.
§ VOL 1 · ISSUE 8
Money & Finance
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c/finance-investment
Finance & Investment
Share market (NEPSE), mutual funds, crypto.
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Do I need VAT registration as a freelancer earning >NPR 20 lakh/yr in services?
Yes — if your annual taxable turnover from services crosses NPR 20 lakh, VAT registration is mandatory within 30 days of crossing the threshold.
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Sole proprietor vs Pvt Ltd for a solo freelancer earning USD — tax-wise which wins?
Sole proprietor wins on simplicity and lower compliance up to roughly NPR 40 to 50 lakh of annual income; Pvt Ltd becomes meaningfully better once you cross…
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How do I open a Demat + CRN + Mero Share + TMS to start trading on NEPSE?
Pick one broker, open a Demat at any participant, link CRN and Mero Share, and request TMS access — all four in two visits or one online flow.
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Step-by-step IPO application through Mero Share / C-ASBA?
Log in to Mero Share, pick the open IPO, apply for minimum 10 units (NPR 1,000), confirm with bank biometric / TPIN, and wait for the allotment lottery.
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Are NEPSE mutual funds worth it for absolute beginners?
For most beginners, yes — at NPR 10 per unit and 100-unit minimums, mutual funds are the cheapest, lowest-knowledge way to get NEPSE exposure.
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Best NEPSE sector for 3–5 year holding — hydro, life insurance, banking?
Diversify between two — usually banking and hydro — and pick life insurance only if you have a long view on protection-product penetration.
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How is capital gains tax calculated on NEPSE share sales — short vs long term?
For individuals, 7.5% on gains for holdings under one year; 5% for holdings of one year or more. Brokers withhold at source on the settlement.
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Is Bitcoin / crypto still illegal in Nepal in 2026 — any update from NRB?
Yes — Nepal Rastra Bank's January 2022 notice remains in force. Use, trade, mining, or investment in virtual currencies is prohibited; the prohibition has…
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If caught trading crypto, what’s the actual penalty — fine, jail, both?
Forfeiture of the foreign exchange involved, plus a fine of the amount in question up to three times that amount, plus imprisonment up to three years if the…
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Khalti vs eSewa vs IMEPay vs ConnectIPS — which has the best limits and fees?
eSewa for everyday consumer payments, Khalti for the freelance-international rail (via Stripe), IMEPay for remittance integration, ConnectIPS for bank-to-bank.
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Mutual fund IPO subscription — how do allotments work if I apply with all wallets?
One PAN, one allotment — applying through multiple wallets does not multiply your chances if they map to the same PAN.
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Gold / silver vs Fixed Deposit — which protects savings better in Nepal right now?
Gold has outperformed FD over the last 18 months on NPR returns; FD is still cleaner for short-horizon liquidity. Hold both, not one.
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Highest FD rate this quarter across Nepali commercial banks?
Rates move monthly — published lists at NRB, Sharesansar, and Merolagani give the live snapshot. Compare on the effective annual yield, not the headline number.
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How to read NEPSE floor sheet, circuits, dividends, bonus announcements?
Read the floor sheet for volume signal, not for price gossip. Circuits cap movement; dividends and bonuses change the cost basis — record both the day they're…
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