Thank you all for your response. In summary, I gathered muncha and thamel.com uses same platforms and I found thamel.com uses Prabhu Money transfer's platform, so basically all are same thing. Thamel.com might be better then prabhu in the sense that they don't charge transaction fees although rates are same.
I tried using thamel.com's interface, here are my thoughts
Cons :
- Interface Slow and lagging but finally worked. Selecting state by typing first letter did not worked but scrolling down slowly worked.
- One thing I didn't like was that you have to give username and password of your bank instead of routing and account number which is fine as long as its secure.
-need full physical address of your recipient, not only bank account
-Takes 3-5 days, not instantly like western union and Moneygram
Pros :
- They have better rates then Western union and money gram
- No fees
- You can directly deposit into your recipient's account, which is a great thing for me
-Have many banks of Nepal into their system
-Once setup, you can send easily from next time from the comfort of your home

So for me winner is ThamelRemit