You said you are in India, did you give your mailing address locally or Nepal's.? Now the main question you are trying to ask can they trace you to Nepal? It all depends on the time you signed ( while applying). As other suggested, you want to be rich by six lakh IC ? Good for you.

But there might be some legal way to avoid going back to your home. Instead of asking question here in Sajha, you should have ask some one involved in such business, like Nigerian or Romanian in USA.

You get the money and file bankruptcy, go and spend little money in Casino and calim you lost all or file a police report for money stolen from you apartment or someone snatch away your briefcase. You have to find a bankruptcy law in India as well future consiquencies.

If you have six lakh credit limits, you must have something or involved in some kind of  business, then do not be in black list that may hunch you whole your life.

You do your math and find out which is better off, with six lakh or a moral and  good ethic?  I have heard some Nepali went back home using all their credit limit because they were gone for good. Do you have similar sitution???????? What makes you do decide this idea??