Ashu, thank you so much for the advice which was necessary as I, thinking myself to be the top dog had stopped heeding others' opinions a long time ago.  But damn, NPR 300K for a job in retail banking doing plain vanilla products?  That is really impressive considering the fact that exotic products WILL eventually make its way into the Financial institutions there.  I believe, it wouldn't take more than a decade at the most.  Why?  Because talking about the trading side which I am familiar with, I've worked with various Indian/Chinese/S.Asian Banks on some of the craziest high-risk exotic products out there which most banks here shun (the IBs here try to stay at strictly pricing these at a profit selling it to the Asians and hedge their deals using traditional vanilla products.  All the crazy specualtion in the West came down significantly after the Barings, Enron and Amaranth fiasco.  However, it isn't surprising to see a few cowboys at every IB who are given that God-gifted right).  Derivatives as we all know could make or completely break you, a double-edged sword if you may.  Now, think about Exotic Derivatives: The risk magnitude is even greater.  I truly have no idea how the South Asian are hedging aginst their positions as there is no way any other bank would buy these products from them at the premiums they paid to begin with and it absurdly seems to me that they are specualting to lose more than they would gain, ala going to Vegas and betting against the house.  Amazing though, I'm sure in time this knowledge will seep into the Nepali banks from the Indian speculators/exotic traders and it is then that most Nepali analyst/associates on the Street can finally see the opportunity costs in heading back to Nepal for the same comfort of working in these products here (by then newer and risker derivatives might be existant here in the West making current exotics seem like vanillas.  LOL).  BTW, Pls note that I am not taking about pure IB facets such as M&A including private equity, etc.  It may be a little different for that sector though.

Right now, though the money in Nepal is more than what one could make in retail/domestic banking here, it still pales in comparison to what the average associate on the Street today could make.  But taking the standard of living as a determining factor, going back to Nepal seems a more rational choice.  Lets see what unfurls in the Samsara's life.