Official Exchange BenchmarkNet In-Hand NPR

Foreign Remittance In-Hand Net Calculator

Calculate the exact Nepalese Rupees (NPR) received by your family after exchange spreads and fees from UAE, Qatar, Saudi Arabia, USA, Australia, and worldwide.

Sending Country / Currency

Amount Sent (AED)1 AED = NPR 36.70

🇦🇪 AED

Payout Delivery Channel in Nepal

Direct Bank Account Deposit

Same Day / Instant IPS • Global IME Bank, Nabil Bank

Zero Fee

Digital Wallet (eSewa / Khalti)

Instant (Under 60 seconds) • eSewa Money Transfer, Khalti Remit

5 AED Fee

Cash Pickup Counter (IME / Western Union)

Ready for Pickup Immediately • IME Remit, Western Union

10 AED Fee

Net In-Hand Receivable in NepalVerified Spread

Total NPR Credited to Recipient

NPR 36,850

(From 1000 AED sent minus applicable fees)

Gross Foreign Amount1,000 AED

Transfer Service FeeFree / Zero Fee

Net Foreign Exchanged1,000 AED

Applied Exchange Rate1 AED = NPR 36.85

Bank deposit incentive: Extra NPR 0.15 per AED included.

As per Nepal Rastra Bank directives, remittances deposited into formal commercial bank savings and fixed deposit accounts enjoy +1% higher annual interest rates compared to standard local deposits.

Quick Summary

Nepal Rastra Bank (NRB) Directives

Which channel gives the highest net NPR when sending money to Nepal?

Direct commercial bank account deposits (via Global IME, Nabil, NIC Asia, Everest) usually offer the highest net value because transfer fees are waived for amounts above standard thresholds, and Nepal Rastra Bank grants up to 1% extra interest on remittance-funded fixed deposits.

NRB Base Rate Guidelines50% DSTI Eligibility LimitReducing Balance Method

Frequently Asked Questions on Remittance to Nepal

Which channel gives the highest net NPR when sending money to Nepal?

How do exchange spreads affect the amount received in Nepal?

Money transfer operators apply an exchange rate spread on top of the official Nepal Rastra Bank buy rate. Digital wallet transfers and bank deposits maintain closer spreads compared to physical cash payout counters.

Is remittance income taxable in Nepal?

No. Under Section 11 of the Nepal Income Tax Act, money sent by Nepali citizens working abroad through formal banking and remittance channels is completely exempt from income tax in Nepal.

How long does it take for money sent abroad to arrive in a Nepali bank account?

Through real-time IPS and RTGS networks, most bank account deposits arrive within minutes to a few hours on banking days. Digital wallet credits (eSewa, Khalti) are typically instant.