@sajhamitra .. I usually send for few months at a time. Not every month to save those transfer fee and all. And as for saving into Nepal bank , i have other options to get more interest rate. Usually people in Nepal needs money on loan for Foreign employement. I have some investment in those loans. Its preety much like personal loan where you get between 20-30% and the good thing is people put their lands on your name worth double of what you lend them. So there is no risk of not getting money back.