Annual Budget 3 min readNepal’s Government Spends Only 18% of Annual Budget in the First Quarter of FY 2082/83Nepal’s Government Spends Only 18% of Annual Budget in the First Quarter of FY 2082/83 The Government of Nepal has spent less than one-fifth of its total annual budget during the first quarter of the current fiscal year 2082/83, reflecting slow budget execution and structural inefficiencies in public expenditure. According to the latest report from the Office of the Financial Comptroller General (OAG), only NPR 364.58 billion, equivalent to 18.56% of the total NPR 1.964 trillion budget, was spent by the end of Ashoj 2082. This trend of sluggish spending has become a recurring concern in Nepal’s fiscal management, as the government continues to struggle with capital project delays and administrative bottlenecks.Dipesh Ghimire·19 Oct, 2025
3 min readStep-by-Step Process for Hong Kong e-Visa Application and ApprovalThe Hong Kong e-Visa application is an entirely online process designed for travelers seeking entry for visit or transit purposes. Applicants must ensure eligibility, prepare required documents, and submit the application through the official Immigration Department portal. The processing typically takes about four weeks, after which applicants receive an approval notification and payment link. Once the payment is made, the e-Visa can be downloaded or printed instantly. Travelers must present both their valid passport and e-Visa upon arrival for immigration clearance. The process is fast, secure, and requires no additional service charge, making it one of the most efficient visa systems in Asia.Sandeep Chaudhary·18 Oct, 2025
3 min readHow to Apply Online for Hong Kong Visit or Transit VisaThe Hong Kong online visa application system enables travelers to apply for a Visit or Transit Visa electronically. Applicants must provide valid documents, meet eligibility requirements, and upload their materials in approved formats. The entire process takes about four weeks, and approved applicants receive an e-Visa that can be printed or stored digitally for entry. Payments are made securely online, and inquiries can be directed to the Hong Kong Immigration Department.Sandeep Chaudhary·18 Oct, 2025
Top3 min readContinuous Decline in Share Market: NEPSE Slips to 2,487 Points — Lowest Since Mid-October Last YearContinuous Decline in Share Market: NEPSE Slips to 2,487 Points — Lowest Since Mid-October Last Year Nepal’s stock market continued its downward trajectory on Thursday, hitting a new yearly low as investor sentiment remained subdued. The Nepal Stock Exchange (NEPSE) index fell by 18.40 points to close at 2,487 points, marking its lowest level since mid-October last year. The persistent weakness reflects investors’ growing caution amid uncertainty about market stability and policy direction.Dipesh Ghimire·16 Oct, 2025
Top4 min readNepal’s Exports Surge 88.6% in Two Months, Driven by Strong Trade with India; Imports Also Up 16.2%Nepal’s Exports Surge 88.6% in Two Months, Driven by Strong Trade with India; Imports Also Up 16.2% Nepal’s foreign trade has shown a strong rebound in the first two months of the current fiscal year 2082/83 (mid-July to mid-September 2025), as both exports and imports recorded significant growth. According to data published by the Nepal Rastra Bank (NRB), the country’s total merchandise exports surged by 88.6%, reaching Rs 47.32 billion, compared to the same period last year when exports had declined by 5.1%. This marks one of the sharpest early-year improvements in Nepal’s trade performance in recent years, mainly fueled by strong demand from India and moderate growth in other export destinations.Dipesh Ghimire·16 Oct, 2025
Top4 min readInsurance Companies Pay Nearly Rs 2 Billion in Claims After Gen-Z Protests; Some Yet to Begin SettlementInsurance Companies Pay Nearly Rs 2 Billion in Claims After Gen-Z Protests; Some Yet to Begin Settlement Nearly Rs 2 billion in insurance claims have been paid so far for damages caused during the Gen-Z protests held on September 8 and 9 (Bhadra 23 and 24) across Nepal. According to data released by the Nepal Insurance Authority (NIA) as of October 14 (Asoj 28), insurance companies have settled or advanced payments totaling Rs 1.95 billion, including partial and advance settlements.Dipesh Ghimire·16 Oct, 2025
Options Buying vs. Options Sel4 min readOptions Buying vs. Options Selling: The Real Battle Between Risk and ProbabilityOptions Buying vs. Options Selling: The Real Battle Between Risk and Probability Every trader stepping into the world of derivatives faces one of the oldest questions in financial markets — should I buy options or sell them? Both strategies belong to the same family but behave like complete opposites. One thrives on volatility and speed, while the other depends on stability and time decay. Understanding this contrast is the foundation of successful options trading.Dipesh Ghimire·16 Oct, 2025
Gold-Backed Loans3 min readGold-Backed Loans Surge as Prices Hit Record Highs Amid Falling Interest RatesGold-Backed Loans Surge as Prices Hit Record Highs Amid Falling Interest Rates Nepal’s financial market is witnessing a unique double impact: declining bank interest rates and surging gold prices. This combination has boosted the profitability of borrowers taking loans against gold while pushing banks to balance between regulatory limits and market risks.Dipesh Ghimire·16 Oct, 2025
Top4 min readInflation edges up to 5.74 percent; urban cost of living rises fasterInflation edges up to 5.74 percent; urban cost of living rises faster Nepal’s inflation increased modestly in mid-September (Bhadau 2082), with the National Consumer Price Index (NCPI) reaching 105.74 points, up from 104.96 in the previous month. According to the latest mid-month report released by the Nepal Rastra Bank (NRB), the figure represents a 0.74 percent rise on a monthly basis and a 1.87 percent increase compared to the same period last year. Although the overall inflation remains moderate, analysts say the composition of inflation has shifted. Prices of essential food items have largely stabilized, but the cost of education, health, housing, and personal services continues to climb, particularly in urban areas. The report also highlights a growing divide between rural and urban inflation, showing that city dwellers are now facing a stronger rise in the cost of living.Dipesh Ghimire·16 Oct, 2025
Top2 min readOverall Inflation Rises Moderately to 5.74% — Price Pressure Shifts to Services SectorOverall Inflation Rises Moderately to 5.74% — Price Pressure Shifts to Services Sector Nepal’s overall consumer inflation increased moderately in mid-September (Bhadau 2082), as the National Consumer Price Index (NCPI) reached 105.74 points, up from 104.96 a month earlier. This represents a 0.74% month-on-month rise and a 1.87% year-on-year increase. According to Nepal Rastra Bank’s mid-month report, the overall price level has grown 3.86% compared to two years ago, signaling continued inflationary pressure though at a controlled pace. Analysts suggest that inflationary drivers are shifting away from food items toward services like education, health, housing, and miscellaneous expenses.Dipesh Ghimire·16 Oct, 2025