Sahakari is riskier than banks and loaning money out is kind of jumping through different ropes. What I would like to know is, what bank gives the most interest rate either savings or fixed deposit? I am leaning towards bank as they are less likely to run away with money. Also, one can do bank to bank transfer from US to Nepal. I doubt that can be done with any sahakari in Nepal from the US.

kaji sahab · Feb 9, 2015 4:01 PM

Where you guys are putting money to get 14% interest, people are dying to get 10% steady return here. We can fund manager if we can generate that return. Are those saving a/c or CD insured in any way in Nepal, or it is just one of those shady financial company , which you will never know when owners will flee away? Don't banks need to make 30% return to give 14 % percent on deposits. I never understand Nepals economics and finance. Definitely napal has lot liquidity but 14% of interest , I just don't see how they are sustained. Even 6 % seems too high to me for plain saving account.

Yaaku · Feb 9, 2015 6:01 PM

सहि हो चौद प्रतिसत अलि धेरै संकास्पद हुन्छ Safely deposit गर्न, आइले को मार्केट मा. अब Personal Loan, even depositing in a Cooperative has higher risk beta. म गोर्खे एक सर ले माथि नै भनि सक्नु भयो Nabil को Base 6% छ रे जुन मेरो विचार म सफेस्ट बेट हो. Investment vehicle ma na rakhera safely A Class Banking Institution ma deposit गर्ने हो भने चै mathi claim gariya bhanda thorai nai bhai sake cha Nepal ko interest rate haru.. http://nepalbank.com.np/intere... https://www.himalayanbank.com/... http://www.siddharthabank.com/... http://www.nabilbank.com/Inter... तर मेरो अर्को पनि पेर्सोनल प्रोब्लेम छ. भक्कु धेरै पैसा बैंक मा राखी दिए भने न सोधी कन पोंज़ी type shady investment (Dhukuti), Network Marketing, श्याम दाई लाइ कुखुरा पालन आदि इत्यादी भनेर पैसा लगानी गरि दिन्छन. अनि केई भने भने नरमाइलो मान्छन. भूत काल मा भै सक्या घटना हरु हो. आमा बाबु लाई माया छोरा छोरी लाई माया भन्ने कुरा त छदै छ ...जसरि छोरा न पढेर बरालिएर हिड्दा आमा ले बाटो देखाउनु हुन्छ कसै कसै को परिवार मा छोरा छोरि ले पनि आमा बाबु लाई बाटो देखाउनु पर्ने हुदो रैछ. ल त्यति भन्दै आज को लागि दुइ सब्द तुन्ग्याये. Anywho! big shout-out to them Churpi guys!

bardiyakonepali · Feb 9, 2015 8:38 PM

I am not an investment guru or a savvy financial guy but one of the reasons that Nepalese banks give so high interest rate compared to US banks is, inflation. The higher the rate of inflation in a country, the higher the interest rate. The inflation is very low in the US, hence the lower rate on return. Personally, I would put the money in a fixed deposit or high yielding savings account in "A" class financial institutions rather than some sahakari. lob le laab, laab le bilaap hola

kaji sahab · Feb 10, 2015 1:57 PM