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The NEPSE Journal

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Market commentary, data deep-dives, and trading notes from the NEPSE Trading desk.

All Articles — Page 98

2786 posts

the Habit4 min read
Understanding the Habit Loop: How Everyday Actions Shape Our Lives
Understanding the Habit Loop: How Everyday Actions Shape Our Lives In modern life, personal success, health, happiness, and even our identity are deeply rooted in the habits we repeat each day. Whether a person becomes physically fit or struggles with poor health, whether one feels fulfilled or unhappy, or whether one achieves professional success or falls behind—the underlying driver is the same: habits. What individuals think, how they act, the routines they follow, and the behaviors they repeat ultimately shape the life they lead. Yet, while most people desire change, few understand the scientific mechanism that governs habit formation. A widely accepted behavioral framework—now popularized through scientific literature and the bestselling book Atomic Habits—explains how habits function through a simple four-step cycle: cue, craving, response, and reward. Understanding this loop, experts say, is essential not only for building good habits but also for eliminating harmful ones.
Dipesh Ghimire6 Dec, 2025
Top3 min read
Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates
Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates Investment by Nepal’s life insurance companies grew significantly in the first quarter of the current fiscal year 2082/83, even as falling interest rates continue to pressure their earnings. According to regulatory data, the total investment of 14 life insurers reached Rs 7 Kharba 89 Arba 82 Crore 82 Lakh, marking a 16.56% rise compared to the same period last fiscal year. In the first quarter of 2081/82, the sector’s investment stood at Rs 6 Kharba 77 Arba 59 Crore 23 Lakh.
Dipesh Ghimire6 Dec, 2025
Top3 min read
Government to Probe Assembly Industries After Consumer Complaints Surge
Government to Probe Assembly Industries After Consumer Complaints Surge The government has initiated a detailed investigation into Nepal’s assembly-based automobile industries after growing public complaints that state-provided tax concessions have failed to benefit consumers. Despite receiving wide-ranging exemptions in customs duty, excise duty, income tax and electricity tariffs, assembly industries are alleged to have retained the financial gains themselves without reducing retail vehicle prices. According to officials, concerns have intensified in recent months as consumers repeatedly reported to Hello Sarkar—the government’s public grievance system—that vehicles assembled in Nepal remain as expensive as fully imported units, despite the heavy tax relief provided to the industry. Consumers expected significantly lower prices, but the market has shown “no visible difference,” triggering frustration and questions over policy effectiveness.
Dipesh Ghimire6 Dec, 2025
SEBON’s IPO 3 min read
SEBON’s IPO Pipeline Swells to 82 Companies; Over Rs 54 Billion Issues Await Approval
SEBON’s IPO Pipeline Swells to 82 Companies; Over Rs 54 Billion Issues Await Approval Nepal’s primary market is preparing for a significant expansion as 82 companies have formally applied to the Securities Board of Nepal (SEBON) for approval to issue Initial Public Offerings (IPOs). According to the latest update from SEBON, the firms in the pipeline are collectively planning to issue Rs 54.95 billion worth of public shares, signaling one of the largest upcoming IPO waves in recent years. In total, these companies have requested permission to issue 382.5 million shares to the general public. SEBON officials stated that only companies with a per-share net worth above Rs 90 are being allowed to remain in the IPO pipeline. This follows a directive from Parliament’s Public Accounts Committee, which ordered that firms with weaker financial health — specifically those with a net worth below Rs 90 — should not be permitted to proceed with public issuance.
Dipesh Ghimire4 Dec, 2025
#NRBUpdate #NepalRastraBank #M1 min read
NRB Q1 Review 2025: Major Monetary Reforms – Lower Rates, Higher Loan Limits, Branch Mergers, Disaster Relief & Governance Overhaul
NRB’s new circular lowers key interest rates, removes outdated deposit-rate restrictions, increases personal and microfinance loan limits, and allows repayment restructuring for stressed borrowers. Disaster-hit districts gain special restructuring support, banks can merge branches in metropolitan areas due to rising digital payments, and a Whistleblower Protection Mechanism is introduced to improve transparency and governance. These reforms collectively promote financial stability, credit expansion, digital transformation, and ethical banking practices in Nepal.
Sandeep Chaudhary4 Dec, 2025
Top4 min read
Nepal’s Economy Stronger Than Expected Despite Political Uncertainty, Says Finance Minister Rameshwor Khanal
Nepal’s Economy Stronger Than Expected Despite Political Uncertainty, Says Finance Minister Rameshwor Khanal Nepal’s macroeconomic indicators remain far more resilient than commonly perceived, even amid political turbulence and widespread public anxiety, Finance Minister Rameshwor Khanal has asserted. In a detailed analytical commentary published in the SEJON Smarika 2082, Khanal argues that the economy’s fundamentals are stronger than public sentiment suggests, and that recent policy decisions have helped stabilize key financial indicators despite disruptive national events. Khanal notes that citizens naturally desire faster economic growth, more jobs, and a more vibrant private sector, but emphasizes that Nepal’s current external sector performance is “far from weak.” Imports of raw materials used by domestic industries have risen—an indicator of expanding production capacity. Exports too have improved modestly. Together, these trends reflect a healthier external sector position compared to two or three years ago, he observes.
Dipesh Ghimire3 Dec, 2025
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Non-Life Insurance3 min read
Non-Life Insurance Business Grows Nearly 13% in First Four Months, Micro-Insurance Sees Strongest Expansion
Non-Life Insurance Business Grows Nearly 13% in First Four Months, Micro-Insurance Sees Strongest Expansion Nepal’s non-life insurance industry has posted notable growth in the first four months of the current fiscal year 2082/83, reflecting increasing insurance awareness and expanding economic activity across key sectors. According to data released by the Nepal Insurance Authority, the non-life insurance business grew by 12.93 percent from Shrawan to Kartik compared to the same period last fiscal year. The growth trend is visible across both large and small insurance companies, though micro-insurers recorded a far stronger expansion. While large non-life companies posted an average growth rate of 12.42 percent, small and micro-insurance companies experienced an impressive 40.18 percent surge. This divergence highlights the rising penetration of micro-insurance products, particularly among rural and low-income households.
Dipesh Ghimire3 Dec, 2025
Top3 min read
Budget Implementation in First Quarter Remains Strikingly Weak, Only 2.4% of Private-Sector Measures Fully Executed
Budget Implementation in First Quarter Remains Strikingly Weak, Only 2.4% of Private-Sector Measures Fully Executed Nepal’s budget implementation for the first quarter of the current fiscal year 2082/83 has performed dismally, raising serious concerns about the government’s execution capacity and policy consistency. According to a detailed report unveiled at the “Budget Watch” program—organized jointly by the Confederation of Nepalese Industries (CNI) and the Society of Economic Journalists Nepal (SEJON)—overall progress remains extremely weak, with only 2.4 percent of private-sector-oriented budget commitments fully executed.
Dipesh Ghimire3 Dec, 2025
Personal Loans3 min read
NRB Doubles Limit on Unspecified Personal Loans, Allowing Borrowers to Access Up to Rs 10 Million
NRB Doubles Limit on Unspecified Personal Loans, Allowing Borrowers to Access Up to Rs 10 Million In a move that significantly reshapes household lending practices, Nepal Rastra Bank (NRB) has doubled the ceiling for personal loans issued without a declared purpose. Until now, individuals could access a maximum of Rs 5 million under personal loans and overdraft facilities that did not specify the loan’s intended use. However, under the first quarterly review of the Monetary Policy for the ongoing fiscal year, NRB has amended the integrated directive, raising the limit to Rs 10 million (one crore).
Dipesh Ghimire3 Dec, 2025
Top3 min read
Cooperatives Barred From Using Personal Bank Accounts for Business Transactions: Department Tightens Oversight Amid Rising Financial Risks
Cooperatives Barred From Using Personal Bank Accounts for Business Transactions: Department Tightens Oversight Amid Rising Financial Risks In a significant move aimed at strengthening financial transparency and preventing illicit financial activities, the Department of Cooperatives has issued a strict directive prohibiting cooperatives from conducting any business-related transactions through personal bank accounts. The directive, released on Tuesday, underscores growing regulatory concern over the misuse of cooperative funds and the increasing risk of money laundering through unmonitored individual accounts.
Dipesh Ghimire3 Dec, 2025

NEPSEtrading

Primary issues

Income & debt

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NEPSE Trading Network

Insights & Analysis

All Articles — Page 98

Understanding the Habit Loop: How Everyday Actions Shape Our Lives

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates

Government to Probe Assembly Industries After Consumer Complaints Surge

SEBON’s IPO Pipeline Swells to 82 Companies; Over Rs 54 Billion Issues Await Approval

NRB Q1 Review 2025: Major Monetary Reforms – Lower Rates, Higher Loan Limits, Branch Mergers, Disaster Relief & Governance Overhaul

Nepal’s Economy Stronger Than Expected Despite Political Uncertainty, Says Finance Minister Rameshwor Khanal

Non-Life Insurance Business Grows Nearly 13% in First Four Months, Micro-Insurance Sees Strongest Expansion

Budget Implementation in First Quarter Remains Strikingly Weak, Only 2.4% of Private-Sector Measures Fully Executed

NRB Doubles Limit on Unspecified Personal Loans, Allowing Borrowers to Access Up to Rs 10 Million

Cooperatives Barred From Using Personal Bank Accounts for Business Transactions: Department Tightens Oversight Amid Rising Financial Risks

NEPSEtrading

Primary issues

Income & debt

Live market

Read & learn

NEPSE Trading Network

Insights & Analysis

All Articles — Page 98

Understanding the Habit Loop: How Everyday Actions Shape Our Lives

Life Insurers Increase Investments by 16.56% in First Quarter Amid Declining Interest Rates

Government to Probe Assembly Industries After Consumer Complaints Surge

SEBON’s IPO Pipeline Swells to 82 Companies; Over Rs 54 Billion Issues Await Approval

NRB Q1 Review 2025: Major Monetary Reforms – Lower Rates, Higher Loan Limits, Branch Mergers, Disaster Relief & Governance Overhaul

Nepal’s Economy Stronger Than Expected Despite Political Uncertainty, Says Finance Minister Rameshwor Khanal

Non-Life Insurance Business Grows Nearly 13% in First Four Months, Micro-Insurance Sees Strongest Expansion

Budget Implementation in First Quarter Remains Strikingly Weak, Only 2.4% of Private-Sector Measures Fully Executed

NRB Doubles Limit on Unspecified Personal Loans, Allowing Borrowers to Access Up to Rs 10 Million

Cooperatives Barred From Using Personal Bank Accounts for Business Transactions: Department Tightens Oversight Amid Rising Financial Risks