How to choose a NEPSE app.

First, who wrote this

Punji makes one of these apps. That is worth knowing before you read a word of the rest.

So this is not a ranking, and no other app is named or scored anywhere on this page. It is a list of questions worth asking, written so you can answer them yourself from a store listing and ten minutes with the app. Two of the seven are things Punji does not do. If a criterion below only ever flattered the app that published it, it would not be worth the screen.

1. What does it do at the moment you sell?

This is the sharpest difference in the category and the easiest one to miss, because every app looks similar while you are only watching prices.

Selling on NEPSE is where the money is actually decided. Broker commission comes off, the SEBON fee comes off, the DP charge comes off, and then capital gains tax applies at a rate that depends on how long you held: 7.5% if you held more than 365 days, 10% if you did not, for an individual investor from FY 2083/84 onward. An app that shows you a gain of NPR 20,000 without telling you what lands in your account has answered the easy half of the question.

What to check: open a holding and look for a sell preview. Does it show net proceeds after tax and all three fees? Does it know how many days you have held, and how close you are to the long-term band? If you want the arithmetic itself, it is in how to calculate CGT on NEPSE shares.

2. Where does it put your MeroShare login?

Any app that imports your real holdings needs your MeroShare credentials, and there are two very different things it can do with them: keep them on your phone in the operating system’s secure storage, or send them to a server.

What to check: search the app’s privacy policy or store listing for where credentials are stored. The words to look for are keychain, keystore, or on-device. If an app does not say, that is itself an answer. This is not a detail a company stays quiet about when the answer is good.

3. What is free, and what is not?

Nearly every app in this category is free to download. That is not the same as free to use. Several sell a paid tier on top, usually framed as a pro or trader pack, and the features that turn out to be behind it are often the ones you came for.

What to check, and it takes thirty seconds: on the App Store or Play Store listing, look at the In-App Purchases list. It shows the exact products and prices before you install anything. An app with a NPR 3,000 a year pack is not a worse app, but you should know that before you build a portfolio inside it.

4. Is it still being maintained?

The most useful two seconds you can spend, and almost nobody spends them.

Every store listing shows an Updated date and a version number. Some apps in this category still present a polished, current-looking listing while their last release is years old. That matters more here than in most categories, because the rules keep moving: capital gains rates changed in July 2026, the daily price limit went from 10% to 15% in April 2026, and order-placement hours changed the same year. An app that has not shipped since before those changes cannot be applying them, whatever its screenshots show.

5. Does it speak your language?

The Nepali share market is, for most of the people in it, a Nepali-language subject. Plenty of apps serve it entirely in English.

What to check: whether there is a language setting at all, and if there is, how far it goes. A translated menu over English screens is not the same as an app that renders amounts in Nepali numerals. If you would rather read नेपाली, this is worth ten seconds in the settings screen before you commit.

6. Can it import what you already own?

Typing in a portfolio by hand is the reason most people abandon these apps in the first week. Typing it in wrongly, with the buy price but none of the fees, is how a portfolio quietly reports the wrong cost basis forever.

What to check: whether it can import from MeroShare, and whether it handles more than one account if you manage shares for family. Then check what it does about WACC, since MeroShare does not always carry a cost for older holdings: how to calculate and update WACC in MeroShare covers what that gap looks like.

7. Does it do the deep market work you want?

Here is the criterion that goes the other way, and it is the honest one.

Some apps in this category go much further into the market than Punji does. Live market depth, the full order book behind a price, broker league tables ranking who trades most, full financial statement archives, and global index tracking are all things other NEPSE apps offer and Punji does not. If you trade actively and read depth, that is a real reason to use something else, or to use two apps.

Punji is built around a different question: what your holdings are worth, and what a sale actually nets. It reads the floor, it screens, it compares, it calculates the fees and the tax. But it is not an order-book tool and does not pretend to be.

A two-minute version

If you only do one thing: open the store listing of whatever app you are considering and read three fields: the Updated date, the In-App Purchases list, and the privacy section. Those three tell you whether it is alive, what it really costs, and what it does with your data, before you have installed anything.

Then install it and try to sell something. Not for real: just open a holding and see how far the app gets toward telling you what you would actually receive. That single screen separates this category faster than any feature list.

Where Punji lands

Stated plainly, since this page is published by Punji and pretending otherwise would be worse. Punji is free to use with nothing held back today, keeps MeroShare credentials on the device in the iOS Keychain or Android Keystore, is fully bilingual in English and नेपाली with Nepali numerals, imports from MeroShare including family accounts, and shows net proceeds after CGT and all three fees before you confirm a sale. It does not do market depth, broker rankings or global indices.

Whether that trade is the right one is genuinely your call. The features page lists what is there, and the calculators run the same fee and tax engine as the app in your browser, so you can test the one thing this page says matters most without installing anything at all.