Sorry friends I didn't mention that my concern about AMT pin being hacked. I heard cyber crime is one of the fastest growing crime in Nepal and India.
As far as I know if some one hack your pin no. and take out money from your account especially in foreign country it impossible to get it back, but if someone hack you credit card and make purchases any where in the world, it's 99% possible to get credit back and you won't be liable for those charges.
So how safe is it to use ATM (even credit card) in Nepal? Has anyone gone thru such a situation after using their credit card/debit card on ATM/restaurant/stores in Nepal or India?