How to Make SIP Payment in Nepal: Complete Guide for 2025
How to Make SIP Payment in Nepal: Complete Guide for 2025
Systematic Investment Plans (SIPs) have become increasingly popular among Nepali investors as a disciplined way to invest in mutual funds. However, many investors struggle with the payment process, especially first-time investors. This comprehensive guide will walk you through every method of making SIP payments in Nepal, covering all major banks and payment platforms.
Understanding SIP Payments in Nepal
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly, quarterly, or yearly) in mutual funds. Unlike lump-sum investments, SIP payments require consistent monthly contributions, making the payment method crucial for maintaining investment discipline.
Why SIP Payment Method Matters
Before we dive into specific payment methods, let's understand the SIP ecosystem in Nepal.
Popular SIP Schemes in Nepal
Nepal offers various SIP options through different financial institutions. Here are the most popular ones:
1. NMB Sulav Investment Scheme
- Minimum Investment: Rs. 1,000/month
- Lock-in Period: 5 years
- Expected Returns: 10-12% annually
- Calculate your NMB SIP returns
- Minimum Investment: Rs. 500/month
- Lock-in Period: 3 years
- Expected Returns: 12-15% annually
- Use NABIL SIP Calculator
- Minimum Investment: Rs. 1,000/month
- Lock-in Period: 5 years
- Expected Returns: 11-13% annually
- Calculate NIMB returns
- Minimum Investment: Rs. 1,000/month
- Lock-in Period: 5 years
- Expected Returns: 10-12% annually
- Try Kumari SIP Calculator
- Minimum Investment: Rs. 500/month
- Lock-in Period: 3 years
- Expected Returns: 12-14% annually
- Calculate NIC Asia returns
- Minimum Investment: Rs. 1,000/month
- Lock-in Period: 5 years
- Expected Returns: 10-12% annually
- Use Siddhartha calculator
- Download and Login - Download NMB Mobile Banking from Play Store or App Store - Login using your credentials - Complete 2-factor authentication
- Navigate to SIP Section - Go to "Investments" or "Mutual Funds" menu - Select "SIP Payment" or "Sulav Investment" - Choose your SIP account
- Enter Payment Details - Enter installment amount (minimum Rs. 1,000) - Select payment date - Choose source account (savings/current)
- Confirm Payment - Review payment details - Enter MPIN or biometric authentication - Click "Confirm Payment"
- Save Receipt - Screenshot the transaction confirmation - Note down transaction ID - Check SMS confirmation
- Open Kumari Sajilo Mobile Banking
- Navigate to "Investments" > "SIP Payment"
- Select your SIP scheme
- Enter monthly contribution amount
- Authenticate using MPIN
- Save transaction receipt
- Login to NABIL Mobile Banking
- Go to "Fund Transfer" > "Mutual Fund"
- Select "NABIL Investment Bank - Flexi Cap"
- Enter your folio number
- Input monthly amount
- Complete authentication
- Confirm payment
- Login to Portal - Visit: https://ibanking.nmb.com.np - Enter username and password - Complete OTP verification
- Navigate to Payments - Click "Payments & Transfers" - Select "Investment Payments" - Choose "SIP/Mutual Fund"
- Fill Payment Form - Account Name: Your SIP account - Amount: Monthly installment - Payment Mode: Auto-debit or one-time - Remarks: Month and year
- Authorize Transaction - Review all details carefully - Enter transaction password - Submit OTP from SMS - Download confirmation
- Access https://ibanking.globalibebank.com
- Navigate to "Bill Payment" section
- Select "Mutual Fund Payment"
- Enter SIP details and amount
- Verify using SMS OTP
- Save transaction details
- Open eSewa App - Ensure sufficient balance - Navigate to "Investment" category
- Select SIP Payment - Choose "Mutual Fund/SIP" - Select your bank/fund house - Enter folio number
- Enter Amount - Input monthly installment - Add payment remarks - Verify details
- Complete Payment - Enter MPIN - Confirm transaction - Save receipt
- Open Khalti app
- Go to "Investment & Insurance"
- Select "Mutual Fund SIP"
- Choose your scheme
- Enter amount and authenticate
- Download payment voucher
- Required Documents - SIP account passbook or folio number - National ID (Citizenship/Passport) - Cash or cheque for payment - Payment slip (available at counter)
- Payment Steps - Visit your bank branch - Request SIP payment slip - Fill in: Name, Folio Number, Amount, Date - Submit with payment - Collect stamped receipt
- Processing Time - Immediate for cash payments - 1-2 days for cheque payments - Receipt provided on the spot
- Never miss a payment
- No manual intervention needed
- Automatic on same date monthly
- Saves time and effort
- Visit Bank Branch (One-time setup) - Request "SIP Auto-Debit Form" - Fill in account details - Specify debit amount and date - Sign the mandate
- Submit Documents - Copy of citizenship - SIP folio number - Bank account statement - Completed form
- Confirmation - Bank processes in 3-5 days - SMS confirmation received - Auto-debit starts next month
- Maintain buffer amount in account
- Set payment reminders
- Link salary account for auto-debit
- Always verify folio number before payment
- Contact bank immediately if error occurs
- Request payment reversal within 24 hours
- Use internet banking as backup
- Try mobile wallet payment
- Visit branch as last resort
- Wait 24-48 hours for processing
- Check with bank customer service
- Keep payment receipt handy
- Calendar alerts on 1st of month
- SMS reminders from bank
- Email notifications
- Keep separate account for SIP
- Transfer SIP amount on salary day
- Avoid using for other expenses
- Maintain digital folder for receipts
- Create Excel sheet with payment dates
- Regular portfolio review
- Eliminates manual errors
- Ensures consistency
- Saves time
- Keep 2-3 months backup
- Know pause/resume process
- Understand penalty structure
- Long-term capital gains: 5% tax after 1 year
- Short-term gains: Normal income tax rates
- Dividend income: 5% TDS
- For Tax Filing - Annual SIP statement - Payment receipts - Capital gains statement - TDS certificates
- For Withdrawal - Folio number - Bank account details - ID proof - Withdrawal form
- General SIP Calculator for Nepal - Calculate returns for any SIP amount
- Share Calculator - Calculate stock investment returns
- NMB Sulav Calculator - Specific to NMB scheme
- NABIL Calculator - For NABIL investors
- Kumari SIP Calculator - Kumari Bank specific
- Mobile banking is the fastest and most convenient method
- Auto-debit ensures you never miss a payment
- Always maintain buffer balance in your account
- Use our SIP calculators to track your investment growth
- Keep all payment receipts for tax and record purposes
- Best SIP Plans in Nepal 2025
- SIP vs Lump Sum Investment
- How to Choose Right Mutual Fund
- Understanding NEPSE Market
2. NABIL Flexi Cap Fund
3. NIMB Sampanna Scheme
4. Kumari Bank SIP
5. NIC Asia Growth Fund
6. Siddhartha SSIS
Method 1: Mobile Banking Apps (Most Convenient)
Mobile banking is the easiest and most popular method for making SIP payments in Nepal. Most banks now offer dedicated SIP payment features in their apps.
How to Pay SIP Through NMB Mobile Banking
Step-by-Step Process:
Pro Tip: Set up auto-debit for NMB SIP to ensure payments are never missed. Go to Settings > Auto Payment > Enable SIP Auto-Debit.
How to Pay SIP Through Kumari Bank Mobile App
Steps for Kumari Bank:
How to Pay SIP Through NABIL Mobile Banking
For NABIL Flexi Cap Fund investors:
Method 2: Internet/Online Banking
For those who prefer desktop banking, online banking platforms offer robust SIP payment features.
Using NMB Internet Banking
Detailed Process:
Using Global IME Internet Banking
Steps for Global IME bank customers:
Method 3: Mobile Wallet Payments
Digital wallets like eSewa, Khalti, and IME Pay now support SIP payments for selected schemes.
Paying SIP Through eSewa
eSewa Payment Steps:
Supported Banks on eSewa: NMB, Kumari, NABIL, Citizens Bank
Paying SIP Through Khalti
Khalti also supports SIP payments for major mutual funds:
Method 4: Direct Bank Counter/Branch Visit
For traditional investors or those facing technical issues, bank branches remain a reliable option.
Branch Payment Process
What to Bring:
Branch Hours: Most banks accept SIP payments Sunday-Friday, 10 AM - 4 PM
Method 5: Standing Instructions/Auto-Debit
The most hassle-free method is setting up automatic monthly deductions.
Setting Up Auto-Debit for SIP
Benefits of Auto-Debit:
How to Enable Auto-Debit:
Important: Ensure sufficient balance before the debit date to avoid payment failure.
SIP Payment Schedule and Deadlines
Understanding payment timelines is crucial for maintaining your SIP.
Monthly Payment Dates
| Bank/Scheme | Preferred Date | Grace Period | Penalty |
|---|---|---|---|
| NMB Sulav | 1st-5th of month | 10 days | Rs. 100 |
| NABIL Flexi Cap | 1st-7th of month | 7 days | Rs. 50 |
| NIMB Sampanna | 1st-5th of month | 10 days | Rs. 100 |
| Kumari SIP | 1st-10th of month | 15 days | Rs. 75 |
| NIC Asia | 1st-5th of month | 7 days | Rs. 50 |
Common SIP Payment Issues and Solutions
Issue 1: Payment Failure Due to Insufficient Balance
Solution:
Issue 2: Wrong Folio Number Entered
Solution:
Issue 3: Mobile Banking App Not Working
Solution:
Issue 4: Payment Not Reflected in SIP Account
Solution:
SIP Payment Best Practices
1. Set Payment Reminders
2. Maintain Dedicated Account
3. Track All Payments
4. Use Auto-Debit When Possible
5. Plan for Emergencies
Tax Implications and Documentation
TDS on SIP Returns
Required Documents
Calculating Your SIP Returns
Before making payments, it's essential to understand your expected returns. Use our free SIP calculators:
Frequently Asked Questions
Can I make SIP payment from a different bank?
Yes, most schemes accept payments via RTGS, NCHL, or cheque from any bank. However, same-bank transfers are faster.
What happens if I miss a SIP payment?
Most schemes allow 2-3 missed payments before cancellation. Late fees typically range from Rs. 50-100 per month.
Can I increase my SIP amount mid-way?
Yes, most banks allow SIP amount increases. Visit your branch or use mobile banking to submit a request.
Is there a maximum SIP amount limit?
No upper limit for most schemes. However, minimum amounts vary from Rs. 500-1,000 per month.
Can I make quarterly instead of monthly payments?
Some schemes offer quarterly options. Check with your bank for flexibility.
Conclusion
Making SIP payments in Nepal has become incredibly convenient with multiple digital options available. Whether you choose mobile banking, internet banking, mobile wallets, or traditional branch visits, the key is consistency.
Key Takeaways:
Start your SIP journey today and build wealth systematically. For more investment insights and market analysis, explore our NEPSE live market data and investment guides.
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Disclaimer: SIP investments are subject to market risks. Past performance is not indicative of future returns. Please read all scheme-related documents carefully before investing.
Last Updated: October 26, 2025
*For the latest NEPSE market updates and investment tools, visit Nepali Share Market.*