SIP in Nepal: banks, funds and growth
What is a SIP?
A systematic investment plan puts the same amount, for example Rs 1,000 or Rs 5,000, into an open-ended mutual fund every month. Each instalment buys units at that day’s NAV (net asset value per unit), so you buy more units when prices are low and fewer when they are high. Open-ended funds are not traded on NEPSE: you register and pay with the fund manager (a bank’s capital company), usually online with your BOID.
Most schemes accept SIPs from Rs 1,000 a month; the fund sets the minimum.
SIP funds and their growth
| Fund | Bank | NAV | Since | Growth a year | Since launch | SIP page |
|---|---|---|---|---|---|---|
| Prabhu Systematic Investment Scheme PSIS · Prabhu Capital | Prabhu Bank | 11.49 2026-10-13 | 2025-07 1.3 yrs | at least +11.4% | +14.9% | Start SIP |
| Kumari Sunaulo Lagani Yojana KSLY · Kumari Capital | Kumari Bank | 11.35 2026-10-15 | 2023-04 3.5 yrs | at least +8.9% | +34.7% | Start SIP |
| Shubha Laxmi Kosh SLK · Laxmi Sunrise Capital | Laxmi Sunrise Bank | 10.06 2026-10-16 | 2022-08 4.1 yrs | at least +7.4% | +34.6% | Start SIP |
| NMB Saral Bachat Fund-E NMBSBFE · NMB Capital | NMB Bank | 10.31 2026-10-15 | 2021-09 5.1 yrs | at least +6.6% | +38.1% | Start SIP |
| NIBL Sahabhagita Fund NIBLSF · NIMB Ace Capital | Nepal Investment Mega Bank | 10.31 2026-10-15 | 2019-07 7.3 yrs | at least +6.2% | +54.6% | Start SIP |
| NIC Asia Dynamic Debt Fund NADDF · NIC Asia Capital | NIC Asia Bank | 9.96 2026-10-15 | 2020-12 5.9 yrs | at least +4.7% | +31.2% | Start SIP |
| Siddhartha Systematic Investment Scheme SSIS · Siddhartha Capital | Siddhartha Bank | 10.98 2026-10-15 | 2021-07 5.2 yrs | at least +4.6% | +26.3% | Start SIP |
| NI 31 NI31 · Nabil Investment Banking | Nabil Bank | 10.47 2026-10-15 | 2025-09 1.1 yrs | +4.2% | +4.7% | Start SIP |
| Nabil Flexi Cap Fund NFCF · Nabil Investment Banking | Nabil Bank | 10.30 2026-10-15 | 2022-12 3.9 yrs | at least +4.1% | +17.0% | Start SIP |
| Sanima Flexi Fund SFF · Sanima Capital | Sanima Bank | 10.51 2026-10-14 | 2025-03 1.6 yrs | at least +3.2% | +5.1% | Start SIP |
| Citizens Sadabahar Yojana CSBY · Citizens Capital | Citizens Bank International | 9.99 2026-10-08 | 2025-07 1.2 yrs | at least -0.1% | -0.1% | Start SIP |
| NIC Asia Equity Linked Investment Scheme NICELIS · NIC Asia Capital | NIC Asia Bank | 9.86 2026-10-15 | 2025-09 1.1 yrs | -1.3% | -1.4% | Start SIP |
| Machhapuchchhre SIP Yojana MSIP · Machhapuchchhre Capital | Machhapuchchhre Bank | 11.66 2026-10-14 | 2025-12 0.8 yrs | +16.6% under 1 year | +16.6% | Start SIP |
| Garima Subarna Yojana GSYA · Garima Capital | Garima Bikas Bank (development bank) | 9.80 2026-10-13 | 2026-04 0.5 yrs | -2.0% under 1 year | -2.0% | — |
Commercial banks and their SIP
No open-ended SIP scheme yet
- Citizens Sadabahar Yojana · Citizens Capital · at least -0.1% a year
No open-ended SIP scheme yet
No open-ended SIP scheme yet
No open-ended SIP scheme yet
- Kumari Sunaulo Lagani Yojana · Kumari Capital · at least +8.9% a year
- Shubha Laxmi Kosh · Laxmi Sunrise Capital · at least +7.4% a year
- Machhapuchchhre SIP Yojana · Machhapuchchhre Capital
- NI 31 · Nabil Investment Banking · +4.2% a year
- Nabil Flexi Cap Fund · Nabil Investment Banking · at least +4.1% a year
No open-ended SIP scheme yet
- NIBL Sahabhagita Fund · NIMB Ace Capital · at least +6.2% a year
No open-ended SIP scheme yet
- NIC Asia Dynamic Debt Fund · NIC Asia Capital · at least +4.7% a year
- NIC Asia Equity Linked Investment Scheme · NIC Asia Capital · -1.3% a year
- NMB Saral Bachat Fund-E · NMB Capital · at least +6.6% a year
- Prabhu Systematic Investment Scheme · Prabhu Capital · at least +11.4% a year
No open-ended SIP scheme yet
No open-ended SIP scheme yet
- Sanima Flexi Fund · Sanima Capital · at least +3.2% a year
- Siddhartha Systematic Investment Scheme · Siddhartha Capital · at least +4.6% a year
No open-ended SIP scheme yet
Other SIP schemes
- Garima Subarna Yojana (Garima Bikas Bank (development bank)) · Garima Capital
How to start a SIP
- You need a demat account (BOID) and a bank account in your name.
- Open the fund’s SIP page below, register with your BOID and choose the monthly amount and day.
- Pay each instalment online (ConnectIPS, eSewa, Khalti or the bank’s app, as the fund offers), or set up an auto-debit.
- Units arrive in your demat account; check the fund’s statement or MeroShare. Most funds charge an exit load if you redeem within a year.
Fund figures as of 2026-10-16. NAVs change every week; check the fund manager’s latest NAV before investing. Sources: Allotment and dividend notices (ShareSansar announcements) · NAVs: fund managers’ sites (Nabil Invest, NIC Asia Capital) and HamroShare’s SIP NAV table · Commercial banks: Nepal Rastra Bank list, mid-July 2026
Shikhar Signals is not a fund manager or a bank and takes no money. Past growth is no guarantee: NAVs can fall. Links lead to the fund managers’ own sites.