Practical guides on managing money in Nepal, written by the people building Aafno Hisab.
A dhukuti is not an investment. It is a lending market where the patient lend to the impatient, and the arithmetic says exactly what each seat earns or pays. Plus the part most members do not know: it is illegal.
Updated 29 Sept 2026 (13 Aswin 2083)
The rule says save 20%. On a Rs. 45,000 salary in Kathmandu that is Rs. 9,000 a month, and most people cannot get near it. Here is what the number should actually be, at three different salaries.
Updated 29 Sept 2026 (13 Aswin 2083)
Updated 29 Sept 2026 (13 Aswin 2083)
If your salary stopped tomorrow, how long would you last? Most people have never worked it out. The number takes two minutes to find, and it changes how you think about everything else.
Published 25 Sept 2026 (09 Aswin 2083)
The money arrives, the urgent things get paid, and by the next transfer there is nothing left to show. Six years abroad can end with an empty account or Rs 12 lakh. The difference is one decision.
