Educational Academy

Learn Finance with Confidence

Practical financial education designed for Nepal. Learn step by step through structured lessons, real-world examples, trusted guides, and practical financial tools.

Where should I start?

Choose your financial goal and we'll guide you step-by-step from zero to practical execution in Nepal.

1 · Choose a goal
Learn by topic

Choose a learning path

Choose a topic, then open its lessons in the order that suits you.

Foundation 2 topics · 13 lessons
Markets & Investing 3 topics · 21 lessons
Banking & Debt 2 topics · 15 lessons
Tax & Protection 2 topics · 13 lessons
Specialized Topics 3 topics · 20 lessons
Community Toolkits

Practical templates, spreadsheets, and checklists to take control of your wealth.

All Resources
Spreadsheet
15 Mins Setup · 142 KB

Nepal Personal Budget Planner

Clean Excel & Google Sheets template adapted for Nepali salaries, room rent, and festival sinking funds.

50/30/20 Rule EngineDashain Sinking FundExcel & Google Sheets
50/30/20 Budgeting Rule for Nepal
Download Template
Net Worth Ledger
10 Mins Setup · 180 KB

Monthly Cash Flow & Net Worth Tracker

Comprehensive personal balance sheet ledger for tracking liquid wallets, investments, debts, and true net worth.

Bank & Wallet BalancesTrue Net Worth FormulaSolvency & Runway Check
How to Track Unseen Money Leaks
Download Template
Interactive Checklist
5 Mins Read · 320 KB

First-Time NEPSE Investor Checklist

A step-by-step printable and interactive checklist covering Demat opening, C-ASBA, broker selection, and TMS trading.

18 Actionable StepsC-ASBA & CRN GuidePrint / Save as PDF
Demat, MeroShare & TMS Account Guide
Open / Print
Comparison Matrix
15 Mins Analysis · 180 KB

Commercial Bank Loan Comparison Worksheet

Compare bank base rates, premium spreads, prepayment penalty clauses, and true repayment cost.

5 Class-A Bank MatrixBase Rate + PremiumNRB Fee Rules
Good Debt vs Bad Debt in Nepal
Download Template
Curated Handbook
20 Mins Read · 410 KB

Essential Finance Reading List for Nepal

Curated handbook of timeless money books translated into Nepali context, policy primers, and resources.

8 Classic Finance BooksNepali Context Analysis3-Tier Action Roadmap
Compound Interest & Rupee Growth
Open / Print
Tax Blueprint
10 Mins Check · 250 KB

Salary Earner Legal Tax Deductions Checklist

Every legitimate deduction you can claim: SSF, CIT, Life Insurance, Medical Tax Credit, and Remote Allowance.

7 Statutory DeductionsSection 63 CIT/SSF RulesSingle vs Married Slabs
Income Tax in Nepal: Slabs & Rules
Open / Print
Bilingual Glossary
Quick Reference · 490 KB

Financial Jargon Pocket Reference Guide

50+ essential Nepali stock market and banking terms with clear two-sentence explanations.

Searchable DictionaryNEPSE, Banking & TaxEnglish & Nepali Defs
Demat, MeroShare & TMS Account Guide
Open / Print
Full Operating Systems

Premium tools built for deeper financial planning and management.

Browse All Resources
Premium System
NPR 299

Notion Finance Tracker

A complete Notion operating system to track Nepali income, room rent, festival sinking funds, eSewa/Khalti balances, and NEPSE portfolio growth.

Premium System
NPR 399

Budget Planner System

A powerful automated Google Sheets and Excel command center with 50/30/20 formula engine, festival sinking fund planner, and EMI debt payoff calculator.

Demystifying essential financial jargon used in Nepal.

View Complete Glossary

Asset (सम्पत्ति)

A resource with economic value that generates passive cash flow or appreciates over time (e.g. shares, real estate).

Budget (बजेट)

A structured plan allocating your net monthly earnings across necessities, lifestyle, and high-yield savings.

Capital Gain (पुँजीगत लाभ)

The profit earned from selling an investment (e.g. NEPSE shares or land) higher than its purchase cost.

Dividend (लाभांश)

A portion of net company profits distributed to shareholders in cash or additional bonus shares in Nepal.

ETF (एक्सचेन्ज ट्रेडेड फण्ड)

An investment fund traded on the stock exchange that holds a basket of underlying securities matching an index.

Fixed Deposit / FD (मुद्दती निक्षेप)

A high-interest bank deposit locked for a set tenure (e.g. 1-5 years) yielding guaranteed periodic interest.

GDP (कुल गार्हस्थ्य उत्पादन)

Gross Domestic Product: the monetary measure of all final goods and services produced within Nepal annually.

HLV (Human Life Value)

The economic value of an individual’s future earning capacity used to determine adequate Term Life cover.

IPO (Initial Public Offering)

The first time a private company sells newly issued shares to the public in Nepal at face value (NPR 100).

KYC (Know Your Customer)

The mandatory regulatory verification of an account holder’s identity and physical address by banks in Nepal.

MeroShare (मेरोसेयर)

The official digital web platform provided by CDSC for applying for IPOs, reviewing Demat, and EDIS transfer.

NAV (Net Asset Value)

The per-unit market value of a mutual fund scheme calculated by dividing net assets by total units.

PAN (स्थायी लेखा नम्बर)

Permanent Account Number issued by the Inland Revenue Department for tracking tax compliance and TDS.

QR Payment (Fonepay / NepalPay)

Standardized EMVCo QR code protocol enabling instant direct bank-to-bank retail payments across Nepal.

Repo Rate (रिपो दर)

The policy interest rate at which Nepal Rastra Bank lends short-term liquidity to commercial banks.

SIP (Systematic Investment Plan)

An investment approach where a fixed rupee sum is deposited into open-ended mutual funds every single month.

TDS (कर कट्टी / स्रोतमा कर)

Tax Deducted at Source: statutory advance tax withheld on salary, bank interest, or freelance payments in Nepal.

VAT (मूल्य अभिवृद्धि कर)

Value Added Tax: a standard 13% indirect consumption tax levied on goods and services in Nepal.

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