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Nepal · FY 2082/83 tax & loan rules
Can I afford this car?
Not just the EMI — the real monthly cost once road tax, insurance, fuel and servicing are added in. Built from actual Nepali bank and Bagmati Province rules.
Rs.
Yours, or combined with a co-applicant
Rs.
Goes toward the down payment & fees
Rs.
The dealer's quoted price — it already includes import duty, excise &
VAT
Affects road tax and fuel cost
% / yr
Nepali auto loans run ~9–13%
EVs qualify for up to 10 years under green-loan schemes; others up to 7
Your result
Monthly car cost vs income
Cash you need up front
On-road price
—
Minimum down payment required
—
Your down payment
—
Registration, plate & loan fees
Bluebook, number plate & ~0.75% loan processing
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Total cash needed at signing
Down payment + fees
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Bank loan amount
Price minus your down payment
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What you pay every month
Loan repayment (EMI)
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Road tax (monthly share)
Bagmati Province rate, paid yearly
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Insurance (monthly share)
Comprehensive premium, paid yearly
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Fuel cost
Kathmandu-average monthly usage
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Servicing & maintenance
Oil, tyres, periodic service
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Total you pay per month
EMI + tax + insurance + fuel + upkeep
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Reference rates: Bagmati Province road tax and NRB-guided bank loan norms, FY 2082/83. Actual quotes vary by bank, insurer and municipality — treat this as a planning estimate, not a loan offer, and confirm exact figures with your bank before committing.