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Nepal
30
Moderate
Risk
Risk
#123
of 171
Safer
than 28% of currencies
37
global avg score
$795
$1,000 in 5 years
Impact on Citizens
Citizens need to earn at least 6.2% per year on savings to stay ahead. Money sitting in a regular account is slowly losing value.See savings calculator ↓
Economic Indicators
Inflation Rate
4.7%
Debt to GDP
39.9%
GDP Growth
3.7%
Broad Money / GDP
126.2%
Banking & Stability
NPL Ratio
3.8%
Reserve Months
13.0
Current Account
3.9%
FX Volatility
31.8
Governance & Markets
Rule of Law
Not available
Black Market Premium
5.0%
Capital Controls
28.0
Peg Fragility
Not available
Currency Structure
Global Currency Role
70.0
FX Regime
hard peg
Data Coverage
83.0%
Savings Impact Calculator
NPR
Holding cash in NPR4.7% inflation
NPR 795−NPR 205 (20% purchasing power lost)
Your NPR 1,000 buys 20% less in 5 years
What if you invested NPR 1,000 instead? (5yr, in NPR terms)
USD-denominated assets gain an additional ~1.7%/yr from expected NPR depreciation vs USD
Hold USD Cash
NPR 936
−NPR 64
-1.3%/yr net in NPR
S&P 500
NPR 1738
+NPR 738
range: NPR 802–NPR 3394
10% USD return + 1.7% FX · ±16% vol
Gold
NPR 1588
+NPR 588
range: NPR 462–NPR 4270
8% USD return + 1.7% FX · ±24% vol
Bitcoin
NPR 3263
+NPR 2263
range: NPR 203–NPR 19.3k
25% USD return + 1.7% FX · ±54% vol
All values in NPR. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~1.7%/yr based on the inflation differential between Nepal (4.7%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Data last updated: 2026-05-19