Nepal Rastra Bank issues unified directives and  monetary policy  guidelines regularly every year. With its policy, NRB has made changes to financial transactions to maximize digital cash transactions in Nepal. 

NRB published the Unified Directives guidelines on September 14, 2021. Accordingly, there are certain rules and guidelines regarding transactions and fee limits for digital wallets, mobile banking, internet banking, electronic cards, QR code operators, etc.


Unified Directives 2077 for Digital Payment in Nepal


# Transactions and Charge limits of Digital Wallets:

NRB has updated the transaction limit for transactions between digital wallets and banks.

  • For Transaction between Bank account to Digital Wallets users can transact per up to 50 thousand, up to one lakh per days and ten lakh per months.
  • Similarly, users can transact up to 50 thousand per transaction, one lakh per day and Rs.10 lakh per month from digital wallets to bank accounts.
  • Users can transact up to 25 thousand per transaction, one lakh per day and Rs 5 lakh per month from Digital wallets to Digital wallets.

There will be no limit when transferring money from wallet to wallet carrier’s bank accounts and Likewise, users will only be allowed to make transactions up to 10 times, except for the organization’s customers and Agents and there is no limit for making transactions from the user’s wallet to bank account.


# Regulations related to Agents

Regarding the Agents, the customer can make deposits up to Rs.25000 per day and Rs. 1 lakh through an authorized agent chosen by the respective wallet’s patent service provider and also operated by the payment service provider. In case of demand, the customer can receive Rs. 25,000 (Twenty-five thousand only ) with Rs. 5,000 per day (not more than Rs. 5,000).


# Regulations related to Remittance 

The updated Unified Directives explains that Users working abroad can send their earned amount through remittance companies/ banks authorized agents and Subagents.

The remittance company can pay up to  maximum of Rs. 1 lakh in cash to the concerned party after receiving the remittance from abroad through agents or sub-agents and if the amount is more than 1 lakh the amount should be directly deposited to a user’s bank account. And the amount can be paid to the concerned party within the country through the remittance card issued by the remittance companies.

Also while doing the remittance payment, the payment should be made only after confirming the customer identification number (code number), name, address, amount and contact number.

The limit of electronic transactions will not be applicable in the case of Agent and Subagent appointed by the payment service provider.

When making remittance payments, records of customer identification documents should be kept at all the appointed offices and in case of any suspicious transaction, the concerned institution should immediately inform the financial information unit of this bank.

Know more about the Unified directives and their provision here:


Nepal Rastra Bank has also issued the Monetary Policy on Shrawan 2,2077.


# Celebrating the Fiscal year 2079/80 as the year of Electronic Transaction 

NRB has declared the Fiscal year 2079/80 will be celebrated as the year of Electronic Transaction Promotion and emphasis will be given on the development of necessary infrastructure and awareness-raising in the current Fiscal Year.


# A national payment switch will be completed to bring it into use.

Also for maintaining interconnection between electronic payments and devices the work of installing a national payment switch will be completed to bring it into use.


#Transactions limits to be reviewed

The transaction limit will also be reviewed for electronic payment transactions and policy arrangements will be made to maintain it at an appropriate level.


#Digital Lending Framework to be formulated

The Digital Lending Framework will be formulated and implemented for digital loan guidance to facilitate electronic arrangements.

Get a full document of monetary policy here:

With the digital imperative, Nepal has gradually started to invest in digital solutions. Many government sectors have also started replacing traditional payments with digital payments. With Covid effects in Nepal people have started using and integrating digital wallets systems. Simple digital payment platforms and easy-to-use online shopping opportunities have accelerated the trend. The use of ATMs, debit/credit cards and digital gateways for payments has also been widespread. 


Also read : How to pay insurance premium from Khalti?

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