SIP Planner (Nepal Mutual Funds) — Step-Up & FD Compare
Plan systematic investment in Nepali mutual funds (NIBL, Sanima, NIC Asia, Citizens) with step-up SIP and bank FD comparison — not just future-value math.
Net profit
Rs. 33.1k
CAGR
0.9%
Total ROI
4.6%
Over 5 years
Today's sell value
Rs. 7.52 L
Adjust the scenario
tola
Rs.
Rs.
%
%
5 yr
Decision insights
Modest return
0.9% a year — below average market return. Jewellery making + VAT eat into gains.
Jewellery has a 15–20% drag
You pay making + VAT when buying and lose 3–5% wastage when selling. For pure investment, prefer hallmarked coins or bars from licensed dealers.
Cost & sale breakdown
| Item | Amount |
|---|---|
| Gold value (5 tola × Rs. 1,20,000) | Rs. 6,00,000 |
| Making charge (6%) | Rs. 36,000 |
| VAT (13%) | Rs. 82,680 |
| Total you paid | Rs. 7,18,680 |
| Sell value (5 tola × Rs. 1,55,000) | Rs. 7,75,000 |
| Wastage discount (3%) | − Rs. 23,250 |
| Net received | Rs. 7,51,750 |
Hallmarked 24K gold (tola = 11.664 g). Includes typical 6% making charge and 13% VAT on jewellery. Bullion / bars typically only have a 1–2% premium.
About this calculator
Formula: Net = (Weight × Sell Price × (1 − Wastage)) − (Weight × Buy Price × (1 + Making%) × (1 + VAT%))
Gold looks like it always wins — until you remember the 6% making charge, 13% VAT and 3–5% wastage cut when you sell. This calculator shows the real number.
How to Use
Enter weight in tola, buy and current sell prices. Toggle between jewellery (with making + VAT) and coin (low premium).
Net = (Weight × Sell Price × (1 − Wastage)) − (Weight × Buy Price × (1 + Making%) × (1 + VAT%))
What is the Gold Price Profit Calculator (Nepal)?
Gold looks like it always wins — until you remember the 6% making charge, 13% VAT and 3–5% wastage cut when you sell. This calculator shows the real number.
Calculate real profit on gold jewellery and coins in Nepal — after making charge, 13% VAT and wastage discount.
It belongs to our nepal money suite and is built to give you accurate answers along with the working steps, so you understand the method as well as the result.
How this calculator works
Internally, the Gold Price Profit calculator applies the formula Net = (Weight × Sell Price × (1 − Wastage)) − (Weight × Buy Price × (1 + Making%) × (1 + VAT%)). Enter weight in tola, buy and current sell prices. Toggle between jewellery (with making + VAT) and coin (low premium).
The result and every step update instantly as you change the inputs, so you can compare scenarios without re-entering everything.
When to use it & tips
Use the Gold Price Profit calculator whenever you need a fast, reliable nepal money answer with the steps shown. It works on phone, tablet, and desktop — no sign-up, no install.
Tip: In Nepal and South Asia, 1 tola = 11.664 g (10 tola = 116.64 g = ~3.75 ounces). FENEGOSIDA publishes prices per tola.