As the title mentions, imagine Person A has 1 Cr NPR to invest.
They’re not interested in land and are mainly looking for ideas around stocks, mutual funds, and high-yield savings accounts in Nepal.
Alright boys and girls — drop your suggestions!
NEPSE drops the broker-wise floorsheet after a couple of sessions. I've been storing it daily since May, so I can net a broker's buys against its sells across a whole week instead of one day at a time.
Week of Sun 10 – Thu 14 Aug, 5 sessions. Net turnover = buy minus sell, per broker, per stock.
| Stock | Brokers accumulating | Net bought (Rs Cr) |
|---|---|---|
| SOHL | 5 | +19.52 |
| RIDI | 5 | +15.60 |
| KKHC | 3 | +10.88 |
| MEN | 2 | +6.61 |
| RADHI | 2 | +6.46 |
| NRN | 2 | +5.51 |
Counts a broker only if it net bought ≥ Rs 2 Cr in ≥ 3 of the 5 sessions, so the real figure per stock is larger. That session filter is doing real work: without it the table is topped by ADBLB87, a debenture, at Rs 40.43 Cr and Rs 30.45 Cr from two brokers in a single session. Block placement, not accumulation.
Two things you only see once the week is netted:
I don't know what either means, and that's the honest answer, a broker is a member firm, not an investor. One client or two hundred, the floorsheet doesn't say.
I build Punji (https://punji.app/), a NEPSE app this is the data I keep for it. Not affiliated with NEPSE/SEBON/CDSC.
Download here
iOS: https://apps.apple.com/us/app/punji-nepal-stock-market/id6768626344
android: https://play.google.com/store/apps/details?id=com.punji.app
If you are already using it, please support my work by adding some positive reviews. Or comment down or dm me if there is any issue or if you are looking for any features or suggestions.
hello i am a student ahile Kathmandu ma padhirako xu. khasai yo share market ko bare ma thaha xaima tara i want to start investing. dherai bhaye mahina ko 1000-1500 jati chai ma sakxu invest garna. mero sathi haru ko kura sunda lakh bhanda kam kura gardaina kesma invest garda ramro need tips.
Been getting into NEPSE a bit and honestly feel like I'm just guessing half the time. Curious how people here actually do it — walk me through your process for the last stock you bought? Like what sites/apps do you actually check, what convinced you to pull the trigger, that kind of thing.
Also, has bad or missing info (late news, wrong numbers, whatever) ever screwed you on a trade? Trying to figure out what actually matters vs what's noise...just trying to get better at this and i guess this sub would actually know....
Everest Bank Limited (EBL): Listed on NEPSE on April 3, 1995.
If you had invested Rs. 1 Lakh on 16th November 2016 and cashed out today, you would be roughly "even" — no real gains even after almost 10 years.
**Prices on graph are adjusted for rights-share and bonus shares.**
============================================================
EBL
============================================================
Requested start date : 2016-11-16
Actual start date : 2016-11-16 (nearest trading day)
Requested end date : 2026-08-17 (today)
Actual end date : 2026-08-14 (nearest trading day)
Price on start date : Rs. 3,795.00
Initial investment : Rs. 100,000.00
Units purchased : 26.3505 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2016-11-16 Initial purchase 26.3505
2016-12-21 Cash div 3.6750% [2072/2073] 26.3505 96.84
2016-12-21 Bonus 70.00% [2072/2073] 44.7958
2017-08-05 Right share (3:1) @ Rs.100 59.7277 1,493.19
2017-12-28 Cash div 1.7400% [2073/2074] 59.7277 103.93
2017-12-28 Bonus 33.00% [2073/2074] 79.4379
2018-12-12 Cash div 20.0000% [2074/2075] 79.4379 1,588.76
2019-12-20 Cash div 20.0000% [2075/2076] 79.4379 1,588.76
2019-12-20 Bonus 5.00% [2075/2076] 83.4097
2020-12-25 Cash div 5.5300% [2076/2077] 83.4097 461.26
2020-12-25 Bonus 5.00% [2076/2077] 87.5802
2021-12-03 Cash div 4.3200% [2077/2078] 87.5802 378.35
2021-12-03 Bonus 6.00% [2077/2078] 92.8351
2022-11-29 Cash div 7.6800% [2078/2079] 92.8351 712.97
2022-11-29 Bonus 13.00% [2078/2079] 104.9036
2023-10-03 Cash div 10.5300% [2079/2080] 104.9036 1,104.63
2023-10-03 Bonus 10.00% [2079/2080] 115.3940
2024-09-24 Cash div 5.5300% [2080/2081] 115.3940 638.13
2024-09-24 Bonus 10.00% [2080/2081] 126.9334
2025-10-10 Cash div 14.0000% [2081/2082] 126.9334 1,777.07
2025-10-10 Bonus 6.00% [2081/2082] 134.5494
────────────────────────────────────────────────────
Latest price date : 2026-08-14 (LTP: Rs. 728.00)
Total units today : 134.5494 kitta
Market value : Rs. 97,951.94 (134.5494 × 728.00)
───────────────────────────────────────
Years : 9.7413
XIRR : ~almost zero
============================================================
This is a cautionary tale in the "what if you held" series. You can invest in a good business, but if you invest at the wrong price, even 10 years later you could be at a slight loss, or "even" money. This example for EBL demonstrates this. This is however the most extreme case where you bought at the absolute top.
So it is always good to know a little about market cycles as an investor. Don't FOMO into anything and NEVER buy any stock without understanding what you are buying.
It is sad that a lot of people got burned 10 years ago. A lot of boomers who came into money had a bad experience and will probably never get back into the stock market.
Back to our regular format:
| Scenario | Entry | Exit | Duration | Multiple | CAGR/XIRR |
|---|---|---|---|---|---|
| Full hold since 2011 | Mar 2011 | Today | 15.40 yrs | 8.65x | 17.14% XIRR |
| Bull 3 | Mar 2012 | Jul 2016 | 4.33 yrs | 11.07x | 74.26% CAGR |
| Bull 4 | Mar 2019 | Aug 2021 | 2.46 yrs | 1.69x | 23.96% CAGR |
| Current cycle | Sep 2022 | Today | 3.89 yrs | 2.3x | 23.89% CAGR |
Nepse Chart:
============================================================
EBL
============================================================
Start date : 2011-03-20
End date : 2026-08-17 (today)
Price on start date : Rs. 984.00
Initial investment : Rs. 100,000.00
Units purchased : 101.6260 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2011-03-20 Initial purchase 101.6260
2011-10-17 Cash div 50.0000% [2067/2068] 101.6260 5,081.30
2011-10-17 Bonus 10.00% [2067/2068] 111.7886
2012-10-19 Cash div 1.5800% [2068/2069] 111.7886 176.63
2012-10-19 Bonus 30.00% [2068/2069] 145.3252
2013-09-18 Cash div 50.5300% [2069/2070] 145.3252 7,343.28
2013-09-18 Bonus 10.00% [2069/2070] 159.8577
2014-09-03 Cash div 50.0000% [2070/2071] 159.8577 7,992.89
2014-09-03 Bonus 12.00% [2070/2071] 179.0407
2015-12-01 Cash div 6.5700% [2071/2072] 179.0407 1,176.30
2015-12-01 Bonus 30.00% [2071/2072] 232.7528
2016-12-21 Cash div 3.6750% [2072/2073] 232.7528 855.37
2016-12-21 Bonus 70.00% [2072/2073] 395.6798
2017-08-05 Right share (3:1) @ Rs.100 527.5731 13,189.33
2017-12-28 Cash div 1.7400% [2073/2074] 527.5731 917.98
2017-12-28 Bonus 33.00% [2073/2074] 701.6722
2018-12-12 Cash div 20.0000% [2074/2075] 701.6722 14,033.44
2019-12-20 Cash div 20.0000% [2075/2076] 701.6722 14,033.44
2019-12-20 Bonus 5.00% [2075/2076] 736.7559
2020-12-25 Cash div 5.5300% [2076/2077] 736.7559 4,074.26
2020-12-25 Bonus 5.00% [2076/2077] 773.5937
2021-12-03 Cash div 4.3200% [2077/2078] 773.5937 3,341.92
2021-12-03 Bonus 6.00% [2077/2078] 820.0093
2022-11-29 Cash div 7.6800% [2078/2079] 820.0093 6,297.67
2022-11-29 Bonus 13.00% [2078/2079] 926.6105
2023-10-03 Cash div 10.5300% [2079/2080] 926.6105 9,757.21
2023-10-03 Bonus 10.00% [2079/2080] 1019.2715
2024-09-24 Cash div 5.5300% [2080/2081] 1019.2715 5,636.57
2024-09-24 Bonus 10.00% [2080/2081] 1121.1987
2025-10-10 Cash div 14.0000% [2081/2082] 1121.1987 15,696.78
2025-10-10 Bonus 6.00% [2081/2082] 1188.4706
────────────────────────────────────────────────────
Latest price date : 2026-08-14 (LTP: Rs. 728.00)
Total units today : 1188.4706 kitta
Market value : Rs. 865,206.59 (1188.4706 × 728.00)
Total cash dividends : Rs. 96,415.04
Total right share cost : Rs. 13,189.33
Today's Value : Rs. 865,206.59
───────────────────────────────────────
Years : 15.4031
XIRR : 17.14%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:
17% over 15 years is not bad at all.
============================================================
NEPSE CAGR Calculator | EBL
============================================================
Start date : 2012-03-29
End date : 2016-07-27
Price on start date : Rs. 670.00
Initial investment : Rs. 100,000.00
Units purchased : 149.2537 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2012-03-29 Initial purchase 149.2537
2012-10-19 Cash div 1.5800% [2068/2069] 149.2537 235.82
2012-10-19 Bonus 30.00% [2068/2069] 194.0299
2013-09-18 Cash div 50.5300% [2069/2070] 194.0299 9,804.33
2013-09-18 Bonus 10.00% [2069/2070] 213.4328
2014-09-03 Cash div 50.0000% [2070/2071] 213.4328 10,671.64
2014-09-03 Bonus 12.00% [2070/2071] 239.0448
2015-12-01 Cash div 6.5700% [2071/2072] 239.0448 1,570.52
2015-12-01 Bonus 30.00% [2071/2072] 310.7582
───────────────────────────────────────────────────────────────────────────
Latest price date : 2016-07-27 (LTP: Rs. 3,490.00)
Total units today : 310.7582 kitta
Market value : Rs. 1,084,546.15 (310.7582 × 3,490.00)
Total cash dividends : Rs. 22,282.32
Total right share cost : Rs. 0.00
Today's Value : Rs. 1,106,828.46
───────────────────────────────────────
Years : 4.3285
CAGR : 74.26%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:
11x in 4 years — this is what a NEPSE bull cycle at full sprint looks like.
============================================================
EBL
============================================================
Start date : 2019-03-05
End date : 2021-08-18
Price on start date : Rs. 509.00
Initial investment : Rs. 100,000.00
Units purchased : 196.4637 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2019-03-05 Initial purchase 196.4637
2019-12-20 Cash div 20.0000% [2075/2076] 196.4637 3,929.27
2019-12-20 Bonus 5.00% [2075/2076] 206.2868
2020-12-25 Cash div 5.5300% [2076/2077] 206.2868 1,140.77
2020-12-25 Bonus 5.00% [2076/2077] 216.6012
───────────────────────────────────────────────────────────────────────────
Latest price date : 2021-08-18 (LTP: Rs. 759.00)
Total units today : 216.6012 kitta
Market value : Rs. 164,400.29 (216.6012 × 759.00)
Total cash dividends : Rs. 5,070.04
Total right share cost : Rs. 0.00
Today's Value : Rs. 169,470.33
───────────────────────────────────────
Years : 2.4559
CAGR : 23.96%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:
Roughly 1.7x in 2.5 years — a milder cycle compared to Bull 3, but still solidly above bank FD returns.
============================================================
EBL
============================================================
Start date : 2022-09-25
End date : 2026-08-17 (today)
Price on start date : Rs. 478.90
Initial investment : Rs. 100,000.00
Units purchased : 208.8119 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2022-09-25 Initial purchase 208.8119
2022-11-29 Cash div 7.6800% [2078/2079] 208.8119 1,603.68
2022-11-29 Bonus 13.00% [2078/2079] 235.9574
2023-10-03 Cash div 10.5300% [2079/2080] 235.9574 2,484.63
2023-10-03 Bonus 10.00% [2079/2080] 259.5531
2024-09-24 Cash div 5.5300% [2080/2081] 259.5531 1,435.33
2024-09-24 Bonus 10.00% [2080/2081] 285.5085
2025-10-10 Cash div 14.0000% [2081/2082] 285.5085 3,997.12
2025-10-10 Bonus 6.00% [2081/2082] 302.6390
────────────────────────────────────────────────────
Latest price date : 2026-08-14 (LTP: Rs. 728.00)
Total units today : 302.6390 kitta
Market value : Rs. 220,321.17 (302.6390 × 728.00)
Total cash dividends : Rs. 9,520.75
Total right share cost : Rs. 0.00
Today's Value : Rs. 229,841.92
───────────────────────────────────────
Years : 3.8850
CAGR : 23.89%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:
Current cycle is compounding at 24% CAGR over ~4 years — the investment has already doubled (2x).
I am just doing an exercise in seeing how a random stock on the NEPSE has performed in the past. I am not giving any stock tips or recommendations.
>"It's not whether you're right or wrong that's important, but how much money you make when you're right and how much you lose when you're wrong." — George Soros
Should i sell RSML or hold it ? suggestion please....
Which one is best to open tms which broker
I have bills and understand net weight ko basis ma sell huncha (and making charge, jarti wastages are loss). But I cant seem to understand what rates they deduct? far as i know taxes are not deductible on gains on gold. Any idea kasto deductions huncha ani ka bechda best rate (or least amount of deductions) dincha?
I know all the basics and can understand the chart also have taken abt 10 trades all being a failure . What should i focus on? reading books? i m willing to learn. What to read or where to read
The government is going to offload its stake by quite a lot, will the market absorb it and push prices or will the supply put pressure and drive the price down?
Share your thoughts.
Himalayan Distillery Limited (HDL)
"A hundred bagger — the Holy Grail of long term investing"
Next in the 'what if you held' series: this time, let's run the numbers on Himalayan Distillery Limited (HDL) which was listed on the NEPSE on 21st March 2003.
If you had bought Rs 1 Lakh worth of this company on 24th December 2011 and held it till today, you would have compounded at a CAGR of 38% over 15 years — ending up with Rs. 1.17 Crores.
That's a 117x in 15 years.
Note: Could not get reliable data from before 2011-10-24, so the simulation start date is 2011-10-24 rather than the actual 2003 listing date.
| Scenario | Period | Duration | Multiple | CAGR |
|---|---|---|---|---|
| Full hold | 2011-10-24 → Today | 14.80 yrs | 117x | 37.95% |
| Bull 3 | 2012-04-30 → 2016-01-14 | 3.71 yrs | 5.25x | 56.45% |
| Bull 4 | 2019-03-05 → 2021-08-18 | 2.46 yrs | 13x | 184.11% |
| Current cycle | 2022-09-25 → Today | 3.88 yrs | 0.9x | -2.67% |
============================================================
HDL
============================================================
Start date : 2011-10-24
End date : 2026-08-15 (today)
Price on start date : Rs. 100.00
Initial investment : Rs. 100,000.00
Units purchased : 1000.0000 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2011-10-24 Initial purchase 1000.0000
2014-11-10 Cash div 10.5200% [2070/2071] 1000.0000 10,520.00
2015-11-17 Cash div 20.0000% [2071/2072] 1000.0000 20,000.00
2016-11-17 Cash div 20.0000% [2072/2073] 1000.0000 20,000.00
2017-12-01 Cash div 21.0500% [2073/2074] 1000.0000 21,050.00
2018-12-19 Cash div 21.0500% [2074/2075] 1000.0000 21,050.00
2019-05-31 Cash div 68.4200% [2074/2075] 1000.0000 68,420.00
2019-12-01 Cash div 52.6300% [2075/2076] 1000.0000 52,630.00
2019-12-01 Bonus 50.00% [2075/2076] 1500.0000
2021-01-01 Cash div 50.0000% [2076/2077] 1500.0000 75,000.00
2021-01-01 Bonus 50.00% [2076/2077] 2250.0000
2021-12-31 Cash div 25.0000% [2077/2078] 2250.0000 56,250.00
2021-12-31 Bonus 75.00% [2077/2078] 3937.5000
2023-01-04 Cash div 10.0000% [2078/2079] 3937.5000 39,375.00
2023-01-04 Bonus 60.00% [2078/2079] 6300.0000
2023-12-29 Cash div 15.0000% [2079/2080] 6300.0000 94,500.00
2023-12-29 Bonus 10.00% [2079/2080] 6930.0000
2025-01-03 Cash div 5.0000% [2080/2081] 6930.0000 34,650.00
2025-01-03 Bonus 15.00% [2080/2081] 7969.5000
2025-11-06 Cash div 5.0000% [2081/2082] 7969.5000 39,847.50
2025-11-06 Bonus 20.00% [2081/2082] 9563.4000
────────────────────────────────────────────────────
Latest price date : 2026-08-13 (LTP: Rs. 1,166.00)
Total units today : 9563.4000 kitta
Market value : Rs. 11,150,924.40 (9563.4000 × 1,166.00)
Total cash dividends : Rs. 553,292.50
Total right share cost : Rs. 0.00
Today's Value : Rs. 11,704,216.90
───────────────────────────────────────
Years : 14.8036
CAGR : 37.95%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict: 117x in ~15 years = generational wealth
Nepse Graph:
============================================================
HDL
============================================================
Requested start date : 2012-03-29
Actual start date : 2012-04-30 (nearest trading day)
Requested end date : 2016-07-27
Actual end date : 2016-01-14 (nearest trading day)
Price on start date : Rs. 100.00
Initial investment : Rs. 100,000.00
Units purchased : 1000.0000 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2012-04-30 Initial purchase 1000.0000
2014-11-10 Cash div 10.5200% [2070/2071] 1000.0000 10,520.00
2015-11-17 Cash div 20.0000% [2071/2072] 1000.0000 20,000.00
────────────────────────────────────────────────────
Latest price date : 2016-01-14 (LTP: Rs. 495.00)
Total units today : 1000.0000 kitta
Market value : Rs. 495,000.00 (1000.0000 × 495.00)
Total cash dividends : Rs. 30,520.00
Total right share cost : Rs. 0.00
Today's Value : Rs. 525,520.00
───────────────────────────────────────
Years : 3.7070
CAGR : 56.45%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict: 5x in 3.7 yrs — 1 Lakh becomes 5.25 Lakhs
============================================================
HDL
============================================================
Start date : 2019-03-05
Requested end date : 2021-08-18
Price on start date : Rs. 1,320.00
Initial investment : Rs. 100,000.00
Units purchased : 75.7576 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2019-03-05 Initial purchase 75.7576
2019-05-31 Cash div 68.4200% [2074/2075] 75.7576 5,183.33
2019-12-01 Cash div 52.6300% [2075/2076] 75.7576 3,987.12
2019-12-01 Bonus 50.00% [2075/2076] 113.6364
2021-01-01 Cash div 50.0000% [2076/2077] 113.6364 5,681.82
2021-01-01 Bonus 50.00% [2076/2077] 170.4545
────────────────────────────────────────────────────
Latest price date : 2021-08-18 (LTP: Rs. 7,535.00)
Total units today : 170.4545 kitta
Market value : Rs. 1,284,375.00 (170.4545 × 7,535.00)
Total cash dividends : Rs. 14,852.27
Total right share cost : Rs. 0.00
Today's Value : Rs. 1,299,227.27
───────────────────────────────────────
Years : 2.4559
CAGR : 184.11%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict: 13x in 2.5 yrs — 1 Lakh becomes 13 Lakhs
============================================================
HDL
============================================================
Requested start date : 2022-09-25
Actual start date : 2022-09-25 (nearest trading day)
Requested end date : 2026-08-15 (today)
Actual end date : 2026-08-13 (nearest trading day)
Price on start date : Rs. 3,204.00
Initial investment : Rs. 100,000.00
Units purchased : 31.2110 kitta
Date Event Units After Cash Rs.
---------------------------------------------------------------------------
2022-09-25 Initial purchase 31.2110
2023-01-04 Cash div 10.0000% [2078/2079] 31.2110 312.11
2023-01-04 Bonus 60.00% [2078/2079] 49.9376
2023-12-29 Cash div 15.0000% [2079/2080] 49.9376 749.06
2023-12-29 Bonus 10.00% [2079/2080] 54.9313
2025-01-03 Cash div 5.0000% [2080/2081] 54.9313 274.66
2025-01-03 Bonus 15.00% [2080/2081] 63.1710
2025-11-06 Cash div 5.0000% [2081/2082] 63.1710 315.86
2025-11-06 Bonus 20.00% [2081/2082] 75.8052
────────────────────────────────────────────────────
Latest price date : 2026-08-13 (LTP: Rs. 1,166.00)
Total units today : 75.8052 kitta
Market value : Rs. 88,388.91 (75.8052 × 1,166.00)
Total cash dividends : Rs. 1,651.69
Total right share cost : Rs. 0.00
Today's Value : Rs. 90,040.60
───────────────────────────────────────
Years : 3.8823
CAGR : -2.67%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict: Looks like a lot of headwinds
Sidenote: Each ticker has its own secular bull/bear cycle, which aligns loosely with the broader NEPSE index but starts and peaks at different times — the Nepse cycle labels here are used for convenience only. For HDL specifically, Bull 3 and Bull 4 arguably weren't separate cycles at all — it was one long ~9-year bull run from May 2013 to January 2022.
Another side note: Thin liquidity in the early years
- 2012: 19,740 units/yr total
- 2013, 2014: negligible
- 2015: 47,760 units/yr total
- 2016: 4,855 units/yr total (10-months no trade)
- 2017: 97,626 units/yr
- 2018: 92,325 units/yr
- 2019: 841,622 ← liquidity actually shows up
- 2020+: 6M-17M/yr take off
Liquidity shows up 2019. If you had bought earlier it would be hard to exit.
So you would have been forced to compaound away.
Disclaimer: I am just doing an exercise in seeing how a random stock on the NEPSE has performed in the past. I am not giving any stock tips or recommendations.
"The four stages of a bull market: optimism, excitement, euphoria, and the sudden realization you should've sold at stage two." — Unknown
need 12 testers for play store testing
I’m selling everything, Allocating to these stocks. What do you all think?
SAHAS after right share: 20%
Api 15%
Sanima 20%
Nabil 15%
Shivam 10%
NLICL 5%
CHDC 5%
CBBL 5%
SICL 5%
Current Nepalese Legal System treats human beings as property of whichever party is running the government. where law treats people guilty until proven innocent.
They claim restricting foreign investments, controlling prices, and limiting travel serve as compassionate measures to retain national wealth, prevent social harm, and shield vulnerable groups from abuse. They claim that the state must override individual autonomy to ensure "the collective welfare of society".
Any valid legal system must recognize the individual as an independent, rational being who owns their own life and the product of their labor.
The Nepalese state overrides ownership by forbidding a salaried worker from investing their savings in foreign markets to secure their future (Act Restricting Investment Abroad, 1964, Section 3).
It criminalizes the possession and trading of cryptocurrencies, stripping individuals of the choice to protect their wealth through voluntary mediums of exchange (Foreign Exchange Regulation Act, 1962, Section 12).
It bans adult women from traveling to specific countries for employment, legally reducing them to incompetent wards (Department of Immigration directives under the Foreign Employment Act, 2007).
The legal framework assumes guilt by default. It's like they have no conception of "Innocent until proven guilty".
Individuals must prove their harmlessness to a regulator before moving their own capital or their own bodies.
The government systematically punishes productive citizens for their ambition by imposing extortionate taxes on vehicles and banning luxury imports (Export-Import Control Act, 1957, Section 3, and the annual Finance Act).
The state guts the essence of private ownership by freezing land plotting and dictating how owners subdivide or dispose of their legitimately acquired real estate (Land Use Act, 2019, Section 4, and Land Use Regulations, 2022).
Bureaucratic interference does it best to try and block digital platforms under the guise of social harmony, denying individuals the absolute right to consume and associate with chosen information (Telecommunications Act, 1997, Section 47, and Cabinet Directives).
Arbitrary minimum thresholds on foreign direct investment dismantle economic freedom, using force to prevent a willing local entrepreneur from accepting capital from a willing foreign investor (Foreign Investment and Technology Transfer Act, 2019, Section 3).
It mandates trade operations and capping margins at twenty percent, transforming private enterprises into heavily chained servants of the bureaucracy (Black-marketing and Some Other Social Offenses and Punishment Act, 1975, Section 3).
Every one of these statutes forces the citizen to beg for permission before producing or trading.
Constitutional guarantees mean nothing when the daily operational laws systematically violate the right to life, liberty, and property.
Guys, ipo was only mine source of income even it was little only any idea when the next one is opening? It's already been 2 months since last opened. And why is it late ?.
Nepal Life Insurance Company Limited (NLIC)
Continuing the "what if you held" series — this time looking at Nepal Life Insurance Company (NLIC), listed on NEPSE on 22nd January 2003. Reliable simulation data starts from 25th March 2011 onward.
TL;DR: Rs. 1 Lakh invested in NLIC in March 2011 and held untouched (dividends taken as cash, not reinvested) would be worth Rs. 25.3 Lakhs today — a 23.37% CAGR over 15.4 years. Zoomed in, one particular bull run (2012–2016) alone delivered 37x in 4.3 years. The current cycle (2022–now) has only managed 1.6x in 3.9 years — the slowest of the four windows shown below.
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NLIC
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Start date : 2011-03-25
End date : 2026-08-13 (today)
Price on start date : Rs. 725.00
Initial investment : Rs. 100,000.00
Units purchased : 137.9310 kitta
Date Event Units After Cash Rs.
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2011-03-25 Initial purchase 137.9310
2013-04-18 Cash div 56.3100% [2068/2069] 137.9310 7,766.90
2013-04-18 Bonus 70.00% [2068/2069] 234.4828
2014-05-04 Cash div 28.5000% [2069/2070] 234.4828 6,682.76
2014-05-04 Bonus 70.00% [2069/2070] 398.6207
2015-05-26 Cash div 8.0000% [2070/2071] 398.6207 3,188.97
2015-05-26 Bonus 60.00% [2070/2071] 637.7931
2016-04-28 Cash div 1.3100% [2071/2072] 637.7931 835.51
2016-04-28 Bonus 25.00% [2071/2072] 797.2414
2017-03-10 Cash div 1.3100% [2072/2073] 797.2414 1,044.39
2017-03-10 Bonus 25.00% [2072/2073] 996.5517
2018-03-28 Cash div 28.5000% [2073/2074] 996.5517 28,401.72
2018-03-28 Bonus 42.00% [2073/2074] 1415.1034
2019-05-02 Cash div 23.5000% [2074/2075] 1415.1034 33,254.93
2019-05-02 Bonus 25.00% [2074/2075] 1768.8793
2021-01-27 Cash div 20.0000% [2075/2076] 1768.8793 35,377.59
2021-01-27 Bonus 31.00% [2075/2076] 2317.2319
2022-03-21 Cash div 0.7368% [2076/2077] 2317.2319 1,707.34
2022-03-21 Bonus 14.00% [2076/2077] 2641.6444
2022-11-04 Cash div 15.7895% [2077/2078] 2641.6444 41,710.24
2024-06-18 Cash div 21.0500% [2079/2080] 2641.6444 55,606.61
2025-01-23 Cash div 11.0500% [2080/2081] 2641.6444 29,190.17
2025-01-23 Bonus 10.00% [2080/2081] 2905.8088
2025-12-22 Cash div 16.0500% [2081/2082] 2905.8088 46,638.23
2025-12-22 Bonus 5.00% [2081/2082] 3051.0992
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Latest price date : 2026-08-13 (LTP: Rs. 733.90)
Total units today : 3051.0992 kitta
Market value : Rs. 2,239,201.73 (3051.0992 × 733.90)
Total cash dividends : Rs. 291,405.35
Total right share cost : Rs. 0.00
Today's Value : Rs. 2,530,607.08
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Years : 15.3867
CAGR : 23.37%
** Cash dividends are not re-invested and compounded**
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Verdict: ~25x in 15 years.
Bull 3 did a 37x
2012-04-01 → 2016-07-27
37x in 4.3 yrs!
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NLIC
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Start date : 2012-04-01
End date : 2016-07-27
Price on start date : Rs. 640.00
Initial investment : Rs. 100,000.00
Units purchased : 156.2500 kitta
Date Event Units After Cash Rs.
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2012-04-01 Initial purchase 156.2500
2013-04-18 Cash div 56.3100% [2068/2069] 156.2500 8,798.44
2013-04-18 Bonus 70.00% [2068/2069] 265.6250
2014-05-04 Cash div 28.5000% [2069/2070] 265.6250 7,570.31
2014-05-04 Bonus 70.00% [2069/2070] 451.5625
2015-05-26 Cash div 8.0000% [2070/2071] 451.5625 3,612.50
2015-05-26 Bonus 60.00% [2070/2071] 722.5000
2016-04-28 Cash div 1.3100% [2071/2072] 722.5000 946.48
2016-04-28 Bonus 25.00% [2071/2072] 903.1250
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Latest price date : 2016-07-27 (LTP: Rs. 4,020.00)
Total units today : 903.1250 kitta
Market value : Rs. 3,630,562.50 (903.1250 × 4,020.00)
Total cash dividends : Rs. 20,927.72
Total right share cost : Rs. 0.00
Today's Value : Rs. 3,651,490.23
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Years : 4.3203
CAGR : 129.96%
** Cash dividends are not re-invested and compounded**
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Bull 4 did a 3x
2019-03-05 → 2021-08-18
3x in 2.5 yrs!
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NLIC
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Start date : 2019-03-05
End date : 2021-08-18
Price on start date : Rs. 1,056.00
Initial investment : Rs. 100,000.00
Units purchased : 94.6970 kitta
Date Event Units After Cash Rs.
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2019-03-05 Initial purchase 94.6970
2019-05-02 Cash div 23.5000% [2074/2075] 94.6970 2,225.38
2019-05-02 Bonus 25.00% [2074/2075] 118.3712
2021-01-27 Cash div 20.0000% [2075/2076] 118.3712 2,367.42
2021-01-27 Bonus 31.00% [2075/2076] 155.0663
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Latest price date : 2021-08-18 (LTP: Rs. 1,882.00)
Total units today : 155.0663 kitta
Market value : Rs. 291,834.75 (155.0663 × 1,882.00)
Total cash dividends : Rs. 4,592.80
Total right share cost : Rs. 0.00
Today's Value : Rs. 296,427.56
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Years : 2.4559
CAGR : 55.65%
** Cash dividends are not re-invested and compounded**
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Current cycle is compounding at 12% over 4 years
2022-09-25 → TODAY
1.6x in 3.9 yrs
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NLIC
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Start date : 2022-09-25
End date : 2026-08-14 (today)
Price on start date : Rs. 579.00
Initial investment : Rs. 100,000.00
Units purchased : 172.7116 kitta
Date Event Units After Cash Rs.
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2022-09-25 Initial purchase 172.7116
2022-11-04 Cash div 15.7895% [2077/2078] 172.7116 2,727.03
2024-06-18 Cash div 21.0500% [2079/2080] 172.7116 3,635.58
2025-01-23 Cash div 11.0500% [2080/2081] 172.7116 1,908.46
2025-01-23 Bonus 10.00% [2080/2081] 189.9827
2025-12-22 Cash div 16.0500% [2081/2082] 189.9827 3,049.22
2025-12-22 Bonus 5.00% [2081/2082] 199.4819
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Latest price date : 2026-08-13 (LTP: Rs. 733.90)
Total units today : 199.4819 kitta
Market value : Rs. 146,399.74 (199.4819 × 733.90)
Total cash dividends : Rs. 11,320.29
Total right share cost : Rs. 0.00
Today's Value : Rs. 157,720.03
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Years : 3.8823
CAGR : 12.45%
** Cash dividends are not re-invested and compounded**
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Slowly chugging along...
| Window | Duration | Entry Price | Exit Price | Multiple | CAGR |
|---|---|---|---|---|---|
| Full hold (2011–2026) | 15.4 yrs | Rs. 725.00 | Rs. 733.90 | 25x | 23.37% |
| Bull 3 (2012–2016) | 4.3 yrs | Rs. 640.00 | Rs. 4,020.00 | 37x | 129.96% |
| Bull 4 (2019–2021) | 2.5 yrs | Rs. 1,056.00 | Rs. 1,882.00 | 3x | 55.65% |
| Current (2022–today) | 3.9 yrs | Rs. 579.00 | Rs. 733.90 | 1.6x | 12.45% |
The current cycle has already run almost as long as Bull 3 did (3.9 yrs), for a fraction of the return (37X versus 1.6x).
Notes on the simulation:
Disclaimer: This is just an exercise in seeing how a random NEPSE stock has performed historically. Not a stock tip or recommendation. Do not FOMO-breathe..
>"Because there's so much to do today, I must meditate for two hours instead of one.”- Gandhi
Maile IPO haru chai bari rakhte ani parna ni ramrai parthyo.Around 1yr jati huna lagyo.aba malai secondary market ma khelna man xa tesko lagi maile ke garna milca. courses haru ta available rainxa available vaye ni dherai jana ko xa tes bata kasko herne?
Any advice
NPL: 15.55%
EPS: -1.02
P/E Ratio: -186.27 (Data taken from chukul.com)
Dis. EPS: -26.82
Net worth per share: 140.92
प्रभु बैंक २४ करोड घाटामा, १५ दिन लगाएर ‘ऋण म्यानेज गर्दा’ पनि एनपिएल १५.५५ प्रतिशत, छैन उठ्ने छनक !
This article highlights:
Image 2: Arrest of CEO & top-officials a while back.
I am 22M just started my job after my internship, i make about 25k at the moment per month. I want to establish a retirement account where i can save and invest that money for the day i retire. What are the best options i have in nepali stock. Like the S&P 400 in US where i can have a simple and consistent 10% return annually is there anything like such where i monthly put the money and forget till i retire to have a even small but consistent grown to atleat fight the inflation and retire well.?