How hard is it to tell your uncle that you don't have that kind of money at the moment? Are you ashamed to tell him the truth? And you said he offered to pay you back; so why did you say "No"?
You know things are simple if you decide to be true to yourself. But I know in Nepal we like to live in drama. So let the drama continue. "Yes, but...." " Ok, but..... " " I will, but...." "Should I, but..." "Can I, but..." "He's nice, but....." "I don't have the money, but..... " "He wants it, but......"