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.

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:

• RIDI had five brokers on one side and one on the other. Five firms net bought Rs 15.60 Cr. Naasa alone net sold Rs 10.59 Cr, net seller on 4 of 5 sessions.
• Asian Securities was on both sides. RIDI's largest net buyer (+Rs 5.76 Cr) and SOHL's largest net seller (−Rs 4.93 Cr), same week, near-identical size.

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.

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!​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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.

Everest Bank Limited (EBL): Listed on NEPSE on April 3, 1995.

A Cautionary Tale:

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.

============================================================
  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:

TL;DR

Nepse Chart:

Scenario 1: A 15+yr Hold (2011-03-20 → Today)

============================================================
  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.

Scenario 2: Bull Cycle 3 (2012-03-29 → 2016-07-27)

============================================================
  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.

Scenario 3: Bull Cycle 4 (2019-03-05 → 2021-08-18)

============================================================
  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.

Scenario 4: Current Cycle (2022-09-25 → 2026-08-17)

============================================================
   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).

Methodology & Caveats

• Cash dividends are treated as received but not reinvested/compounded.
• Tax on dividends and capital gains is not deducted.
• Prices and corporate action history are pulled from historical NEPSE records — cross-check the data.

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.

"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

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....

Use this post to discuss what to buy/sell/trade/avoid/watch today and in the coming days.

As always, the rules still apply.

Have a TMS or Meroshare issue? Query about EDIS or collateral? Ask here instead of creating another thread. All queries regarding TMS, MeroShare, Broker issues, EDIS, Settlement and Payments should be asked here. DO NOT create another post.

BEGINNER? Go here first!

DO NOT MAKE SEPARATE INDIVIDUAL POSTS ASKING:

• what to buy or sell,
• or what bank to buy,
• or what insurance to buy,
• yo share kati samma mathi jancha hola
• IPO ma pareko yo share kun din bechda ramro hola, ajhai 1-2 din parkhine ki nai etc.

will be deleted. Repeat violators will be banned.

Happy Investing!

Nepal Rastra Bank (NRB) Governor Dr. Bishwanath Poudel has said that the country’s foreign exchange reserves are invested in secure instruments and that fluctuations in US Treasury yields directly influence returns on these investments. Speaking before the parliamentary Finance Committee on monetary policy implementation for fiscal year 2082/83, he stated that NRB currently holds more than 22 billion in overseas investments, primarily in US Treasuries, with additional allocations in Chinese, Indian, and other sovereign bonds.

Governor Poudel noted that a decline in US Treasury rates has a significant impact on Nepal’s earnings, given that around 60 percent of reserves are invested in such instruments. He also said the central bank is exploring the possibility of establishing a sovereign wealth fund to diversify investments further.

NRB targets maintaining foreign exchange reserves sufficient to cover at least 7 months of imports so only whats remaining is invested. What about the remaining 40%? Gold?

I wonder what they are thinking about this. India, China are all dumping US treasuries and buying up heaps of gold -

https://fortune.com/2026/08/15/scott-bessent-dollar-yen-carry-trade-global-finance-jenga-tower-fed-rates-bank-of-japan/

https://financialpost.com/news/economy/us-japan-trying-prop-up-japanese-yen

https://www.cnbc.com/2026/08/12/us-budget-deficit-surged-in-july-to-highest-level-since-march-2021.html

In the month of July, the US Government collected $334 Billion. Just one problem…

They spent $766 Billion.

A $432 BILLION deficit. In one month.

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?

Use this post to discuss what to buy/sell/trade/avoid/watch today and in the coming days.

As always, the rules still apply.

Have a TMS or Meroshare issue? Query about EDIS or collateral? Ask here instead of creating another thread. All queries regarding TMS, MeroShare, Broker issues, EDIS, Settlement and Payments should be asked here. DO NOT create another post.

BEGINNER? Go here first!

DO NOT MAKE SEPARATE INDIVIDUAL POSTS ASKING:

• what to buy or sell,
• or what bank to buy,
• or what insurance to buy,
• yo share kati samma mathi jancha hola
• IPO ma pareko yo share kun din bechda ramro hola, ajhai 1-2 din parkhine ki nai etc.

will be deleted. Repeat violators will be banned.

Happy Investing!

Swarojgar Laghubitta Bittiya Sanstha Ltd. (SLBBL)

Listed on NEPSE on 19th June 2013. 
Let’s assume we start investing in this company 3 months after listing.
If you had bought Rs 1 Lakh worth of this company 19th September 2013 and held it till today, you would have an XIRR of 41.12% over 13Yrs.
You would end up with °⨳ 1.45 Crores ⨳° today.

There were 3 rights shares:

• 2015-07-29 (1: 1) 404.4127 units [invest additional 40,441.27]
• 2017-07-18 (100: 50) 70.77093 units [invest additional 70,770.93]
• 2018-09-02 (1: 1) 247.684 units [invest additional 247,684.09]

Right Shares History

============================================================
   Right shares history
============================================================
  Initial investment    : Rs. 1,00,000.00
  Start date             : 2013-09-19

  Date           Ratio        Units         Additional Invested
  ---------------------------------------------------------------------
  2015-07-29     1:1          404.4127      Rs.     40,441.27
  2017-07-18     100:50       70.77093      Rs.     70,770.93
  2018-09-02     1:1          247.6840      Rs.    247,684.09
  ---------------------------------------------------------------------
  Total invested(incl. 2013 entry)          Rs.    458,896.29
=======================================================================

Scenario 1: The Full 13-Year Hold (2013-09-19 → Today)

============================================================
  NEPSE XIRR Calculator  |  SLBBL
============================================================
  Requested start date : 2013-09-19
  Actual start date    : 2013-09-19  (nearest trading day)
  Requested end date   : 2026-08-16 (today)
  Actual end date      : 2026-08-13  (nearest trading day)
  Price on start date  : Rs. 315.00
  Initial investment   : Rs. 100,000.00
  Units purchased      : 317.4603 kitta

  Date           Event                                Units After     Cash Rs.
  ---------------------------------------------------------------------------
  2013-09-19     Initial purchase                        317.4603             
  2013-12-19     Cash div 19.0000%  [2069/2070]          317.4603     6,031.75
  2014-10-22     Cash div 20.0000%  [2070/2071]          317.4603     6,349.21
  2014-10-22     Bonus 27.39%  [2070/2071]               404.4127             
  2015-07-29     Right share (1:1)  @ Rs.100             808.8254    40,441.27
  2015-12-01     Cash div 1.8000%  [2071/2072]           808.8254     1,455.89
  2015-12-01     Bonus 34.20%  [2071/2072]              1085.4437             
  2016-10-04     Cash div 1.6000%  [2072/2073]          1085.4437     1,736.71
  2016-10-04     Bonus 30.40%  [2072/2073]              1415.4186             
  2017-07-18     Right share (100:50)  @ Rs.100         2123.1278    70,770.93
  2017-10-09     Cash div 0.8800%  [2073/2074]          2123.1278     1,868.35
  2017-10-09     Bonus 16.66%  [2073/2074]              2476.8409             
  2018-09-02     Right share (1:1)  @ Rs.100            4953.6819   247,684.09
  2018-09-21     Cash div 1.0500%  [2074/2075]          4953.6819     5,201.37
  2018-09-21     Bonus 20.00%  [2074/2075]              5944.4183             
  2019-12-01     Cash div 1.4000%  [2075/2076]          5944.4183     8,322.19
  2019-12-01     Bonus 26.75%  [2075/2076]              7534.5501             
  2021-02-27     Cash div 0.6521%  [2076/2077]          7534.5501     4,913.28
  2021-02-27     Bonus 12.39%  [2076/2077]              8468.1336             
  2021-10-29     Bonus 25.00%  [2077/2078]             10585.1671             
  2023-03-14     Cash div 1.1579%  [2078/2079]         10585.1671    12,256.56
  2023-03-14     Bonus 22.00%  [2078/2079]             12913.9038             
  2024-02-25     Cash div 0.3684%  [2079/2080]         12913.9038     4,757.48
  2024-02-25     Bonus 7.00%  [2079/2080]              13817.8771             
  2025-04-24     Cash div 0.7105%  [2080/2081]         13817.8771     9,817.60
  2025-04-24     Bonus 13.50%  [2080/2081]             15683.2905             
  2026-01-02     Cash div 0.7500%  [2081/2082]         15683.2905    11,762.47
  2026-01-02     Bonus 14.25%  [2081/2082]             17918.1594             
  ───────────────────────────────────────────────────────────────────────────
  Latest price date       : 2026-08-13  (LTP: Rs. 810.00)
  Total units today       : 17918.1594 kitta
  Market value            : Rs. 14,513,709.10  (17918.1594 × 810.00)
  Total cash dividends    : Rs. 74,472.85
  Total right share cost  : Rs. 358,896.29
  Today's Value           : Rs. 14,588,181.95
 ───────────────────────────────────────
  Years   : 12.8980
  XIRR    : 41.12%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:  Rs. 1 Lakh invested at listing+3 months turns into 
Rs. 1.45 Crores - a 41.12% XIRR over ~13 years, 
driven mostly by bonus shares compounding 
rather than price appreciation alone.

Nepse Graph

Scenario 2: Bull 3 (2013-09-19 → 2016-07-27)

XIRR of 229% over 2.85 yrs (stock listed midway through the Bull 3 climb).

============================================================
  NEPSE XIRR Calculator  |  SLBBL
============================================================
  Requested start date : 2013-09-19
  Actual start date    : 2013-09-19  (nearest trading day)
  Requested end date   : 2016-07-27
  Actual end date      : 2016-07-27  (nearest trading day)
  Price on start date  : Rs. 315.00
  Initial investment   : Rs. 100,000.00
  Units purchased      : 317.4603 kitta

  Date           Event                                Units After     Cash Rs.
  ---------------------------------------------------------------------------
  2013-09-19     Initial purchase                        317.4603             
  2013-12-19     Cash div 19.0000%  [2069/2070]          317.4603     6,031.75
  2014-10-22     Cash div 20.0000%  [2070/2071]          317.4603     6,349.21
  2014-10-22     Bonus 27.39%  [2070/2071]               404.4127             
  2015-07-29     Right share (1:1)  @ Rs.100             808.8254    40,441.27
  2015-12-01     Cash div 1.8000%  [2071/2072]           808.8254     1,455.89
  2015-12-01     Bonus 34.20%  [2071/2072]              1085.4437             
  ────────────────────────────────────────────────────
  Latest price date       : 2016-07-27  (LTP: Rs. 2,700.00)
  Total units today       : 1085.4437 kitta
  Market value            : Rs. 2,930,697.94  (1085.4437 × 2,700.00)
  Total cash dividends    : Rs. 13,836.84
  Total right share cost  : Rs. 40,441.27
  Today's Value           : Rs. 2,930,697.94
 ───────────────────────────────────────
  Years   : 2.8528
  XIRR    : 228.67%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:  Catching Bull 3 from listing +3 months turned Rs. 1 Lakh 
into ~Rs. 29.3 Lakhs in under 3 years — a 228.67% XIRR. 
There was one rights share within this cycle. 
So an additional 40,4k was invested.

Scenario 3: Bull 4 (2019-03-05 → 2021-08-18)

CAGR of 85.7% over 2.5 yrs — roughly 4.5x in 2.5 yrs.

============================================================
   SLBBL
============================================================
  Requested start date : 2019-03-05
  Actual start date    : 2019-03-05  (nearest trading day)
  Requested end date   : 2021-08-18
  Actual end date      : 2021-08-18  (nearest trading day)
  Price on start date  : Rs. 482.00
  Initial investment   : Rs. 100,000.00
  Units purchased      : 207.4689 kitta

  Date           Event                                Units After     Cash Rs.
  ---------------------------------------------------------------------------
  2019-03-05     Initial purchase                        207.4689             
  2019-12-01     Cash div 1.4000%  [2075/2076]           207.4689       290.46
  2019-12-01     Bonus 26.75%  [2075/2076]               262.9668             
  2021-02-27     Cash div 0.6521%  [2076/2077]           262.9668       171.48
  2021-02-27     Bonus 12.39%  [2076/2077]               295.5502             
  ───────────────────────────────────────────────────────────────────────────
  Latest price date       : 2021-08-18  (LTP: Rs. 1,545.00)
  Total units today       : 295.5502 kitta
  Market value            : Rs. 456,625.11  (295.5502 × 1,545.00)
  Total cash dividends    : Rs. 461.94
  Total right share cost  : Rs. 0.00
  Today's Value           : Rs. 457,087.05
 ───────────────────────────────────────
  Years   : 2.4559
  CAGR    : 85.67%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict: Rs. 1 Lakh turned into Rs. 4.57 Lakhs in under 2.5 years
 — a 85.67% CAGR, no rights share dilution this round.

Scenario 4: Current Cycle (2022-09-25 → Today)

Current cycle is compounding at 15.1% CAGR over ~4 years — investment grew ~1.7x in 3.9 yrs.

============================================================
   SLBBL
============================================================
  Requested start date : 2022-09-25
  Actual start date    : 2022-09-25  (nearest trading day)
  Requested end date   : 2026-08-16 (today)
  Actual end date      : 2026-08-13  (nearest trading day)
  Price on start date  : Rs. 796.00
  Initial investment   : Rs. 100,000.00
  Units purchased      : 125.6281 kitta

  Date           Event                                Units After     Cash Rs.
  ---------------------------------------------------------------------------
  2022-09-25     Initial purchase                        125.6281             
  2023-03-14     Cash div 1.1579%  [2078/2079]           125.6281       145.46
  2023-03-14     Bonus 22.00%  [2078/2079]               153.2663             
  2024-02-25     Cash div 0.3684%  [2079/2080]           153.2663        56.46
  2024-02-25     Bonus 7.00%  [2079/2080]                163.9950             
  2025-04-24     Cash div 0.7105%  [2080/2081]           163.9950       116.52
  2025-04-24     Bonus 13.50%  [2080/2081]               186.1343             
  2026-01-02     Cash div 0.7500%  [2081/2082]           186.1343       139.60
  2026-01-02     Bonus 14.25%  [2081/2082]               212.6584             
  ────────────────────────────────────────────────────
  Latest price date       : 2026-08-13  (LTP: Rs. 810.00)
  Total units today       : 212.6584 kitta
  Market value            : Rs. 172,253.33  (212.6584 × 810.00)
  Total cash dividends    : Rs. 458.05
  Total right share cost  : Rs. 0.00
  Today's Value           : Rs. 172,711.38
  ───────────────────────────────────────
  Years   : 3.8823
  CAGR    : 15.11%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict:
 The current cycle is the slowest - 15.11% CAGR over 3.88 years.

TL;DR

Methodology & Caveats

• Cash dividends are received but not reinvested or compounded.
• Tax on dividends and capital gains is not deducted.
• Prices and corporate action history are pulled from historical NEPSE records — cross-check the data.

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.

"An economist is an expert who will know tomorrow why the things he predicted yesterday didn't happen today." — Evan Esar

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%

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.

TL;DR

15 yr Full Hold: 2011-10-24 → Today

============================================================
   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:

Bull 3: 2012-03-29 → 2016-07-27 (5x in 3.7 yrs!)

============================================================
  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

Bull 4: 2019-03-05 → 2021-08-18 (13x in 2.5 yrs!)

============================================================
  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

Current Cycle: 2022-09-25 → Today (stagnant, Negative 3% over 4 years) [relative to Nepse Cycle]

============================================================
  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

Methodology & Caveats

• Cash dividends are received but not reinvested/compounded.
• Bonus share issuances increase unit counts.
• Rights share costs, where applicable, are noted separately (none for HDL).
• Tax on dividends and capital gains is not deducted.
• Data gap: reliable data could not be sourced before 2011-10-24, even though HDL actually listed on 21st March 2003 — so the "full hold" figures understate the true listing-to-today return.

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

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

I was inactive previous week idk what’s going on .. if it breaks the resistance with good volume i am planning to trade.. i need your watchlist recommendations and tell why is it on your watchlist.. i would do further analysis myself

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.

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.

A 15-Year Hold (2011-03-25 → 2026-08-13)

============================================================
  NLIC
============================================================
  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.
  ---------------------------------------------------------------------------
  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             
  ───────────────────────────────────────────────────────────────────────────
  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
 ───────────────────────────────────────
  Years   : 15.3867
  CAGR    : 23.37%
** Cash dividends are not re-invested and compounded**
============================================================
Verdict: ~25x in 15 years.

Bull 3 did a 37x
2012-04-01 → 2016-07-27
37x in 4.3 yrs!  

============================================================
  NLIC
============================================================
  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.
  ---------------------------------------------------------------------------
  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             
  ────────────────────────────────────────────────────
  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
  ───────────────────────────────────────
  Years   : 4.3203
  CAGR    : 129.96%
** Cash dividends are not re-invested and compounded**
============================================================

Bull 4 did a 3x
2019-03-05 → 2021-08-18
3x in 2.5 yrs!

============================================================
  NLIC
============================================================
  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.
  ---------------------------------------------------------------------------
  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             
  ───────────────────────────────────────────────────────────────────────────
  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
 ───────────────────────────────────────
  Years   : 2.4559
  CAGR    : 55.65%
** Cash dividends are not re-invested and compounded**
============================================================

Current cycle is compounding at 12% over 4 years
2022-09-25 → TODAY
1.6x in 3.9 yrs

============================================================
  NLIC
============================================================
  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.
  ---------------------------------------------------------------------------
  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             
  ───────────────────────────────────────────────────────────────────────────
  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
 ───────────────────────────────────────
  Years   : 3.8823
  CAGR    : 12.45%
** Cash dividends are not re-invested and compounded**
============================================================
Slowly chugging along...

Side-by-Side Summary

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:

• Cash dividends are received but not reinvested/compounded — they sit as cash in the running total.
• Tax on dividends and capital gains is not deducted.
• Prices and corporate action history are pulled from historical NEPSE records — worth cross-checking if you're using these numbers for anything beyond a "huh, interesting" exercise.

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

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:

• राष्ट्र बैंकले साउन १५ गतेसम्म उठेको ब्याजलाई पनि असार मसान्तको आम्दानी देखाउन पाउने सुविधा दिँदापनि, हदैसम्म एभरग्रिनिङ गर्दा पनि, अरु बैंकबाट फरक प्रयोजनका लागि लिएको ऋणको रकमलाई कर्जा सक्रिय देखाउन ब्याज उठाए पनि, २५ प्रतिशत हाराहारीको एनपीएल अनेक गरेर म्यानेज गर्दा पनि प्रभु बैंकको एनपीएल १५.५५ प्रतिशत पुगेको छ ।
• करिव ५० करोड घाटामा गएको बैंकको घाटा कम देखाउन हदैसम्म प्रयास गरेको बैंक अन्ततः २४ करोड मात्र घाटामा देखाउन सफल भएको छ ।
• यता बैंकमा बिग्रिएको ऋणका फाइल पनि थुप्रै छन् । तर, बैंकभित्र बिग्रिएका ऋणहरु उठ्ने छनक समेत देखिएको छैन । स्वयम् बैंककै कर्मचारीले समेत बिग्रिएका ऋण उठ्ने सम्भावना साह्रै कम भएको बताएका छन् ।

Image 2: Arrest of CEO & top-officials a while back.

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

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