BankTalk

The Rs 138 Billion Question: How Nepal's Students Are Financing Their Education Abroad Nepal spent over Rs 138 billion on overseas education in one year alone. Here's the complete, data-backed breakdown of education loans, government subsidies, and which provinces are driving Nepal's study-abroad boom. Every single day in Nepal, roughly 500 students apply for a document that allows them to legally send money abroad for their education. That single number repeated 365 days a year is quietly reshaping the country's banking sector, its foreign currency reserves, and the financial planning of hundreds of thousands of families. Let's break down exactly how big this trend has become, how students are funding it, and where in Nepal this money is actually coming from. The Scale: Billions Leaving the Country Every Year Let's start with the raw numbers from Nepal Rastra Bank (NRB), because they tell a story of relentless, consistent growth: - FY 2018-19: Rs 46.32 billion ...

How a Rs 25.87 Billion Insurance Bill Is Reshaping Nepal's Stock Market The Bhote Koshi flood triggered over Rs 25.87 billion in insurance claims across 15 Nepali insurers. Here's how disaster insurance actually works in Nepal, and what it means for NEPSE-listed insurance and hydropower stocks. On August 26, 2026 , a glacial mass roughly 600 metres wide broke away near Langtang Lirung and crashed into the Lende Khola, sending a wall of water, ice and debris down the Bhote Koshi and Trishuli rivers. Within minutes, monitoring stations along the river went silent. The flood tore through Timure, Syabrubesi, and the Trishuli corridor, eventually reaching Chitwan and Nawalparasi more than 150 kilometres downstream. Over a thousand lives were lost, with thousands more still unaccounted for across Rasuwa, Nuwakot, Dhading, Gorkha, Tanahun, and Chitwan. It is one of the deadliest disasters Nepal has faced in recent years, and the loss to families across these districts is immeasurable....

SIP vs. Speculation: Why Indians Are Investing Monthly While Nepalis Are Still Chasing NEPSE Rallies A data-backed comparison of India's disciplined SIP investing culture and Nepal's momentum-driven NEPSE trading habits  with real numbers from AMFI, CDSC, and NEPSE. Two neighboring countries. Two very different investing personalities. In India, millions of people now invest the same fixed amount, in the same mutual fund, on the same date, every single month without checking whether the market is up or down. In Nepal, a large share of investors do the opposite: they wait, watch the index, and jump in only when NEPSE is already rallying. One approach is boring by design. The other is exciting by nature. Let's look at the numbers behind both, and what each country can learn from the other. India's SIP Machine: Small Amounts, Massive Scale A Systematic Investment Plan (SIP) lets an investor put a fixed sum even as little as ₹500 into a mutual fund every month, automaticall...

India's First Blockchain-Based Bonds Just Went Live : Here's What It Means for You India launched its first tokenized corporate bond pilot in September 2026, settling ₹1,025 crore using blockchain and RBI's digital rupee. Here's what happened, and why it matters for investors in India and Nepal. Something quietly historic happened in Mumbai this month, and most people missed it. Between September 8th and 11th, 2026, at the Global Fintech Fest 2026, the Reserve Bank of India (RBI) and the Securities and Exchange Board of India (SEBI) launched India's first-ever tokenized corporate bond pilot a system where bonds are issued and settled on blockchain technology, using India's own central bank digital currency (CBDC). In plain language: for the first time, a bond and its payment changed hands at the *exact same instant*, with no waiting period. If that sounds small, it isn't. Here's why. What Actually Happened: The pilot, officially called Demat 2.0, was lau...

How to Apply for an IPO in Nepal: Step-by-Step Meroshare Guide (2026) Every time a new IPO opens in Nepal like the recent Beni Hydropower issue thousands of first-time investors search for the same thing: "how do I actually apply for this?" If that's you, here's the complete, no-confusion walkthrough using Meroshare, the system almost every broker now uses for online IPO applications. Before You Start: What You Need - A Demat account opened through any licensed broker (DP) - Your Meroshare username and password (given when you opened the Demat account) - A bank account linked to Meroshare with enough balance for the shares you want to apply for - Your CRN (Client Registration Number), in case it's asked during setup If you don't have a Demat account yet, visit any broker/DP, submit your citizenship copy, PAN, and a passport photo, and they'll set one up usually within a day. Step 1: Log In to Meroshare Go to meroshare.cdsc.com.np, select your DP from the d...

Dividend Season Is Here: Every Company Paying Out in Nepal This Ashwin (2083) Ashwin is turning into a busy month for NEPSE investors a fresh wave of dividend proposals, book closure dates, and AGM announcements has hit the market this week. If you're holding shares (or thinking about buying before book closure), here's your one-stop roundup. Banking & Finance | Company | Dividend | AGM Date | | Global IME Bank | 10% (proposed) | 16th Ashwin, 2083 | | Global IME Capital Limited | AGM called (agenda pending) | — | | Nabil Investment Banking| AGM called | 20th Ashwin, 2083 | Global IME Bank's proposed 10% dividend is one of the bigger announcements this week for banking-sector investors worth watching for the book closure date once it's finalized. Hydropower Sector | Company | Dividend | Notes | | United Idi-Mardi and R.B. Hydropower | 5.2632% (proposed) | For FY 2082/83 | |Kalinchowk Darshan Limited| 8.9474% (proposed) | 12th AGM on 16th Ashwin; book closure date now...

NEPSE Jumps to 2,559 as Week Ends on a High : Here's What's Driving the Rally If you checked the market on Thursday, September 11, you probably noticed the green everywhere. The NEPSE index closed at 2,559.49 points, up 27.94 points (about 1.1%), capping off the final trading day of the week on a strong note. Here's a simple breakdown of what happened and why. The Numbers at a Glance | Indicator | Value | | NEPSE Index | 2,559.49 | | Change | +27.94 points | | Companies Traded | 345 | | Shares Traded | 1,20,86,932 | | Total Turnover | Rs 4.35 Arba | | Advancers | 237 companies | | Decliners | 31 companies | | Unchanged | 9 companies | With 237 companies advancing against just 31 declining, this wasn't a narrow, one-sector move it was broad-based buying across the board. What's Actually Driving This Rally? 1. Every sector index closed green All sub-indices ended the day in positive territory, with development bank, hydropower, investment, non-life insurance, and trad...

Beni Hydropower IPO Result: How to Check Your Allotment on Meroshare If you applied for the Beni Hydropower Project Limited (BEPL) IPO, you're probably refreshing your phone right now waiting for the result. Good news: the issue was oversubscribed 25.76 times, which means demand was huge but it also means not everyone who applied will get shares. Here's exactly how to check whether you got allotted, in simple steps. Quick Recap: What Was This IPO? Beni Hydropower Project Limited is the company behind the Upper Solu Khola Hydropower Project, an 18 MW run-of-river plant in Solukhumbu district. The general public offering was for 8,63,200 unitsat Rs. 100 per share, and it closed on September 11, 2026 (26th Bhadra, 2083). Because it was oversubscribed more than 25 times, allotment will be done through the lottery (dhukuti) system applying doesn't guarantee shares, but everyone with a valid application has an equal chance per application unit. Step 1: Log In to Meroshare - Go to...

iPhone 18 Pro Max vs Samsung Galaxy S26 Ultra (India) Runtime target: 6-8 minutes | Tone: Simple, friendly, straight-talking Apple has just launched the iPhone 18 Pro Max in India, and it's already going head-to-head with Samsung's current flagship, the Galaxy S26 Ultra. One costs nearly ₹50,000 more than the other so is the extra money worth it? Here's a simple, side-by-side comparison to help you decide. Price in India iPhone 18 Pro Max: Starts at ₹1,79,900 for the 256GB model. Pre-orders open on September 12, with sales starting September 18. Galaxy S26 Ultra: Currently available at around ₹1,30,999 across major retail channels. That's a gap of almost ₹50,000 a big factor for most Indian buyers. Display Both phones come with 6.9-inch displays and a smooth 120Hz adaptive refresh rate. iPhone 18 Pro Max: Super Retina XDR OLED panel, 1320×2868 resolution. Galaxy S26 Ultra : Sharper QHD+ Dynamic AMOLED 2X panel, 3120×1440 resolution. Samsung also adds a hardware-based ...