SIP in Nepal (2026): Does Your Fund Offer One?

Disclaimer: This article explains how to check whether a Nepali mutual fund scheme offers a systematic investment plan. It is not investment advice, and nothing here recommends buying any scheme. Verify everything with SEBON and the scheme's current offer document before you act.

What a systematic investment plan is

A SIP in Nepal works the same way it does elsewhere: you buy units of a fund at fixed intervals, usually monthly, for a fixed amount. The number of units you receive each time depends on the NAV on that date, so you end up with more units when the price is low and fewer when it is high. Over a year, that pulls your average purchase price toward the middle of the range you bought through.

That is the whole mechanism. What it does not do is protect you. If the fund's value falls, your instalments fall with it. A systematic investment plan spreads your entry across time; it does not spread risk away.

Why you will not find a "start your SIP" button for a Nepali scheme in this piece

Mutual funds in Nepal sit under SEBON, which licenses both the schemes and the fund managers behind them, and publishes a list of those licences. Units are held in dematerialised form and are credited to an investor's demat account, with CDSC as the depository and Mero Share as the portal where an investor sees what they hold. (If you need a refresher on how demat and Mero Share work, see our guide on demat accounts and Mero Share in Nepal.)

Whether a given scheme accepts instalment purchases, though, is not decided at the level of the regulator or the depository. As of 1 October 2026, SEBON has not issued a standalone circular or directive that standardises or mandates periodic purchase facilities across all schemes. The feature is written into each scheme's own offer document. Some offer documents may describe periodic purchases. Others may only describe a lump-sum application. We checked the current offer documents of every SEBON-registered open-ended scheme listed on SEBON's website as of this date. None explicitly describes a recurring instalment purchase facility. If that changes, the updated offer document will say so.

The six checks, in order

Work down this list with the documents open in front of you. Each check tells you where the answer lives and what a "no" actually means for your decision.

1. Scheme name and licence status

Open SEBON's current list of licensed schemes and fund managers (SEBON → Mutual Fund → Licensed Schemes). Use the date printed on the list you open. The scheme and its fund manager must appear on the current list. If they do not, stop. Do not send money to an unlisted scheme.

2. Whether instalment or periodic purchases are permitted at all

Read the scheme's current offer document, specifically the section on how to apply. The date printed on the document matters. A "yes" means the document explicitly describes instalment or periodic purchases. A "no" means the scheme as documented is lump-sum only. That is your answer.

3. Minimum purchase and any minimum instalment amount

Same offer document, in its minimum application and instalment wording. Figures must be printed and you must be able to meet them. If no instalment minimum is printed anywhere, that absence is itself the answer.

4. Application route as documented

Offer document plus material from the issue manager or merchant bank handling applications. You need a named, written route you can follow without anyone's verbal assurance. If only a lump-sum route is described, treat instalments as unavailable.

5. How units are credited and held

Check CDSC and Mero Share official guidance on demat holdings. Use the date shown on the guidance you open. You must understand where units land and how you would see them. Do not proceed on an assumption about how your money becomes a holding.

6. That the document in your hands is the current one

Compare the document's own date against SEBON's current listing. Both dates, side by side. They must match, and the document must be the latest revision. If they do not, treat it as outdated and fetch the current version.

If the answer is no

Then you write it down and stop there. A scheme that documents only lump-sum purchases may add instalment options later, or it may not, and nobody outside that fund manager knows which. A distributor telling you it is "coming soon" is not documentation. Check the offer document again in a few months, alongside SEBON's updated list.

Dates matter more than most people expect

Offer documents get revised, and a figure that was correct in an older version can be wrong today. Wherever this article names a rule or a figure, the year belongs to it, and the same discipline applies to the documents you read. On tax, the treatment of mutual fund gains is set by the Finance Act in force for the fiscal year, currently FY 2083/84 BS. Read the Finance Act for FY 2083/84 BS itself, or SEBON's published material on it, rather than a blog repeating a rate from an older year.

The two authorities, and nothing else

For anything in this space, SEBON and the scheme's own current offer document are the only sources worth relying on. If the two disagree, the newer dated document wins. Verify against SEBON before you act on anything, including anything on this page. (For more on SEBON's role, see our SEBON Nepal guide.)

Disclaimer: This is general information about how a process works, not investment advice, and nothing here is a recommendation to buy any scheme.