Nepalese Investor

How and Where to Invest One Lakh Rupees in Nepal?

Invest One Lakh Rupees in Nepal
Invest One Lakh Rupees in Nepal

Investing is a key tool for achieving long-term financial goals and building wealth. If you possess one lakh rupees and aspire to grow your wealth, this blog post will guide you through investing in Nepal.

By strategically allocating your money, you can generate returns, outpace inflation, and ensure the growth of your assets over time. Understanding and calculating risks is crucial to align your choices with your financial goals. A solid financial plan balances short-term and long-term investments.

Here, You can explore various sectors for investing one lakh rupees in Nepal, but before making any decisions, ensure you have an emergency fund covering 3-6 months of living expenses for any unexpected financial challenges.

Invest One Lakh Rupees in Nepal

In Nepal’s economic landscape, investing one lakh rupees can be a strategic move for potential returns. The diverse opportunities across various sectors in the Nepalese market provide investors with a range of smart and secure options. Here, we highlight some avenues where you can invest 1 lakh wisely.

1. Fixed Deposits

2. Share Market

3. E-Commerce or Online Store

4. Systematic Investment Plan (SIP)

5. Education or Skill Development

6. Gold

Fixed Deposits

Investing one lakh rupees in a fixed deposit at bank is a reliable and low-risk option for conservative investors. With a predetermined interest rate and a wide range of tenure options, it provides guaranteed returns and flexibility. The safety associated with bank fixed deposits makes it an ideal choice for those prioritizing capital preservation. While it may not yield the highest returns, a fixed deposit offers stability and a predictable income stream for investors.

As of Feb, 2024, Banks and Financial Institutions in Nepal are offering fixed deposit interest ranging from 4.75 percent to 10.75 percent. The rate of interest financial institutions offers on fixed deposits may also vary depending on the tenure. For instance, Standard Chartered Bank (SCB) offers 5% FD interest for fixed deposits above one year and 4.75% for deposits valid for less than a year.

For those favouring higher returns, Narayani Development Bank offers highest FD interest rate in Nepal – 10.40% for 3 months, 10.65% for 6 months to below 1 year and 10.75% for 1 year and above fixed deposits.

Share Market

Investing one lakh in the Share Market is a dynamic and potentially rewarding option for those comfortable with higher risk. Shares represent ownership in a company, and the market’s volatility can lead to substantial returns or losses.

Investing in the share market involves a choice between trading and long term investing, each with its distinct approach to making a profit. Profit in the share market can be made through capital appreciation and dividends. Capital appreciation occurs when the stock’s market value increases over time, allowing investors to sell at a higher price than the purchase cost. 

Trading typically involves short-term buying and selling of stocks to capitalize on market fluctuations and making profit from capital appreciation. Investing in shares involves a long-term commitment, where individuals buy stocks with the expectation of holding them for an extended period, usually to benefit from the company’s growth and dividend payouts.

For example, Shares that has delivered commendable returns to its investors are Nabil Bank (NABIL), Chhimek Laghubitta (CBBL) and Chilimie Hydropower Company (CHCL). However, it’s important to acknowledge that individual stock performance can vary with time and it’s essential to conduct thorough research and consider current market conditions before making any investment or trading decisions.

Systematic Investment Plan (SIP)

Systematic Investment Plan (SIP) is a disciplined and flexible investment approach where an investor regularly contributes a fixed amount of money at predetermined intervals (usually monthly) into a mutual fund. It allows individuals to invest in the financial markets with smaller, manageable amounts over time, reducing the impact of market volatility. 

SIPs offer the benefits of rupee cost averaging and the power of compounding, making it a popular and accessible way for long-term wealth creation. Investors can start with a small amount and gradually increase their investment as their financial situation improves.

Some of the popular SIP options in Nepal are NIBL Sahabhagita Fund (NIBLSF), Nabil flexi Cap Fund (NCFC) and Siddhartha Systematic Investment Scheme (SSIS)

Education or Skill Development

Investing in skill development can be a wise and transformative decision because it has the potential to yield long-term benefits. Skill development is crucial in today’s dynamic and competitive job market, and it can enhance your employability, open up new career opportunities, and contribute to personal and professional growth.

You can learn various skills like web design, digital marketing, online shopping, drop shipping and various other which you are interested in. With the development of these skills, you can start your own venture or get a job at good company with better salary packages.

E-Commerce or Online Store

Investing in online business or e-commerce can be a lucrative opportunity in today’s digital age. The shift towards online shopping and the increasing reliance on the internet for various services have created a thriving ecosystem for entrepreneurial ventures. With the right strategies and a proactive mindset, investors can harness the global reach and scalability of online ventures to build diversified and resilient portfolios. 

The selection of products plays a pivotal role in determining market competitiveness, customer satisfaction, and overall profitability. To make informed decisions, investors need to consider factors such as market demand, trends, and potential profit margins.


Investing in gold has long been considered as a reliable strategy for preserving wealth and diversifying portfolios. Gold is often seen as a safe-haven asset, particularly during times of economic uncertainty or market volatility. Its value tends to hold up well in the face of inflation and currency fluctuations, making it an attractive option for investors. Additionally, gold has intrinsic value and has been used as a store of wealth for centuries.

While the price of gold can be influenced by various factors, including geopolitical events and interest rates, many investors view it as a tangible and enduring asset. You can also look at the price history of gold in Nepal, before making any investment decisions.


In conclusion, investing one lakh rupees requires careful consideration of individual financial goals, risk tolerance, and market conditions. By staying informed about market trends, investors can maximize the potential for growth and achieve their financial objectives

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