Ready home / flat loan
One sanction against a completed house or apartment. Disbursement is usually faster once the sale deed, valuation and insurance are in place. EMI starts on the full released amount.
Hey, builder
Your entire construction site — in your pocket.
Track every bag of cement, every mason-day, and every rupee. Log materials, labor, and payments from your phone — and show your client abroad exactly where the money went.
A note from Aenish, founder of GharNaksa: I built this so homeowners, contractors and families abroad can share one honest record of materials, labor, payments and site progress — wherever they are.
Install on Google Play
Free to install during launch
- Homeowners
- Civil engineers
- Contractors
- Site supervisors
- NRN clients
Track every bag of cement, every mason-day, and every rupee on your site — from your phone, even when you're 10,000 km away.
Watch the trailer
See GharNaksa in action
A quick look at how site owners, contractors and families keep every rupee and every bag of cement on record.
The problem
Building a house shouldn't feel like flying blind
Materials, labor and cash move every single day. Without a clear record, trust erodes and money slips away.
Bills lost in a shoebox
Paper receipts pile up, fade and go missing. When it is time to settle accounts, the numbers never match.
No idea where the money went
Cash flows to suppliers and labor daily, but there is no running record — so trust breaks down fast.
Building blind from abroad
You are funding a house 10,000 km away and rely on phone calls and blurry photos to know what is really happening.
Endless WhatsApp updates
Photos, voice notes and numbers scattered across chats. Nobody has the full picture in one place.
Everything on your site
One app for materials, labor, money and proof
Ten ways to keep your construction project organised, transparent and under control — all from your phone.
01
Every bag, every bill
Log cement, sand, rod, aggregate and bricks as they arrive. Record quantity, rate and supplier so nothing slips through the cracks.
02
Know what you paid your crew
Track mason-days, labor rates and attendance. See exactly how much your crew worked and what it cost you.
03
Who got paid what
Record every payment to suppliers and workers. Keep a running ledger so balances are always clear.
04
A diary of the whole build
Capture daily logs of work done, weather and site notes. Look back at any day of the project in seconds.
05
Catch problems early
Raise and track site issues before they become expensive. Assign, comment and resolve without losing the thread.
06
Proof at every stage
Attach site photos to each stage of construction. Give your client a visual record of real progress.
07
Plan floor by floor
Break the build into a WBS with checklists per floor and task. Tick off milestones as the structure rises.
08
All your drawings in one place
Store maps, drawings and documents against the project. Find the right file without digging through chats.
09
Share a clean statement
Export a professional PDF report of materials, labor and payments. Send a statement your client actually trusts.
10
Invite your client or supervisor
Add your client, engineer or site supervisor to collaborate. Everyone sees the same numbers in real time.
See it in action
A closer look at GharNaksa
Real screens from the app — from your project home to material costs, payments, schedules and shareable reports.
For NRN clients
Building back home while you're abroad? Sleep easy.
Fund your build from anywhere in the world and stay in control. See what is happening on site without the guesswork.
- See every material delivery and payment the moment it is logged.
- Watch your house rise through dated site photos at each stage.
- Get a transparent PDF statement instead of guessing over the phone.
- Collaborate with your family and engineer in one shared project.
How it works
Up and running in four simple steps
No training, no spreadsheets. Create a project, log site activity and share proof — start the day you install.
- 01
Install & open GharNaksa
Get the app free on Google Play — or start in Guest mode. Open the home dashboard to see projects at a glance.
- 02
Create your project
Tap to add a new project: site name, location and who is building it. You can edit details anytime from the project screen.
- 03
Log materials, labor & payments
Record cement, rod, sand, mason-days and every payment with quantity, rate and supplier — as the day happens on site.
- 04
Add photos, invite people, export
Attach dated progress photos, invite your client or engineer, and export a clean PDF report they can trust from abroad.
Free home loan tools
Home loan EMI, prepayment and eligibility — before you sign the bank file.
Price a Nepal home or construction loan the way a reducing-balance EMI actually works. See the monthly installment, a year-by-year schedule, what a prepayment saves, and how much income a bank may allow you to borrow.
EMI + schedule
Monthly payment, interest split and a month-by-month table you can prepay against.
Prepayment savings
See new tenure or new EMI after a one-time extra payment and bank charges.
Eligibility check
Income, FOIR and loan type — including construction and NRN structures.
Loan details
What are you borrowing?
Monthly Payment (EMI)
Rs. 46,606.56
20 years · 9.5% reducing balance
- Principal
- Rs. 5,000,000.00
- Interest Payable
- Rs. 6,185,574.25
- Total Amount
- Rs. 11,185,574.25
- Principal 45%
- Interest 55%
Amortization
Yearly Breakdown
Each row is one EMI. Use Add to test a one-time extra payment in that month — the remaining schedule updates immediately.
| Month | EMI Amount | Interest | Principal | Balance | Prepayment |
|---|---|---|---|---|---|
| August | Rs. 46,606.56 | Rs. 39,583.33 | Rs. 7,023.23 | Rs. 4,992,976.77 | |
| September | Rs. 46,606.56 | Rs. 39,527.73 | Rs. 7,078.83 | Rs. 4,985,897.95 | |
| October | Rs. 46,606.56 | Rs. 39,471.69 | Rs. 7,134.87 | Rs. 4,978,763.08 | |
| November | Rs. 46,606.56 | Rs. 39,415.21 | Rs. 7,191.35 | Rs. 4,971,571.73 | |
| December | Rs. 46,606.56 | Rs. 39,358.28 | Rs. 7,248.28 | Rs. 4,964,323.45 | |
| Total | Rs. 233,032.80 | Rs. 197,356.24 | Rs. 35,676.55 |
Home loan structures in Nepal
The EMI is only one line of a larger file
A construction-linked home loan is not the same product as a ready-house mortgage. Tenure, disbursement, documents and when interest starts all change. Use the tabs above to price the monthly number, then read the structure you are actually signing.
House construction loan
Sanctioned against land + approved drawings + a cost estimate. Money is released in stages (foundation, each slab, brickwork, finishing). Interest accrues only on what has already been disbursed — early EMIs can look smaller than the full-loan EMI.
Plot + construction package
Two linked facilities: a land tranche first, then construction tranches. Confirm both tenures, both rates and whether the land EMI is absorbed into the construction EMI later.
Home improvement / renovation
Shorter tenures, smaller tickets. Banks want a written scope (kitchen, bathrooms, extra floor). Pair this with the renovation and interior calculators so the file matches the site plan.
NRN / remittance-backed loan
Foreign income is accepted by several Nepal banks if a local co-borrower signs and remittance history is clean. Many diaspora families take a smaller local loan and send equity in stages — that mix often costs less than leveraging the full build.
Top-up or loan against property
Extra borrowing on a house you already own, or on a running home loan. Useful for a later storey, interiors or a second plot. LTV is measured on current valuation, not the original purchase price.
Stage-wise disbursement
Agree the tranche schedule in writing and align it with contractor milestones. A delayed photo record or missing bill can stall the next release exactly when the mason needs cement.
Prepay early, not late
The first years of a long loan are interest-heavy. A prepayment in year one usually saves more than the same amount in year twelve. Check lock-in and foreclosure charges first.
Costs outside the EMI
Processing fee, valuation, legal, insurance, stamp duty and municipality charges sit outside this calculator. Keep them in the project budget, not in the EMI line.
Documents banks usually ask for
- Citizenship / passport and recent photos
- Income: salary certificate, audited accounts or remittance trail
- 6–12 months of bank statements
- Lalpurja, char killa and latest malpot / tax receipt
- Municipality-approved drawings (Naksa Pass)
- Engineer’s cost estimate / BOQ for construction loans
- Valuation report and site photographs
- Co-borrower papers if income is foreign or informal
Worked EMI, prepayment and eligibility examples are in the home loan EMI calculator guide. For papers and tranche disbursement, read the home loan process article, then track actual site spend in GharNaksa so each bank inspection is quick.
Same calculator, with FAQs and a dedicated URL for sharing: Home Loan EMI Calculator Nepal.
App tutorial
How to use the Construction Material Tracker
Create a project, edit details, log materials and payments, add progress photos, then export a report — step by step for GharNaksa on Android.
~1 minute walkthrough · Real app screens · Full written tutorial →
Step 01
Install the app (or use Guest mode)
Get GharNaksa on Android and open the home dashboard.
- Install free from Google Play — search “GharNaksa” or use the install button on this site.
- Open the app and optionally explore in Guest mode without creating an account first.
- When you are ready, create an account so projects sync, back up and can be shared with your team.
Step 02
Create a construction project
Set up each site as its own project with name and location.
- From the home or projects list, tap to create a new project.
- Enter a clear site name (e.g. “Budhanilkantha house” or “Chitwan plot A”).
- Add location and any notes that help your team recognise the job.
- Save — the project becomes the container for materials, labor, payments and photos.
Step 03
Edit an existing project
Update project details whenever the job changes.
- Open the project from your projects list or home dashboard.
- Edit name, location, status (active / on hold / completed) or team notes as needed.
- Keep one project per site so totals stay clean — do not mix two houses in one project.
- Completed jobs can stay in the list for records and PDF exports later.
Step 04
Log construction materials
Track every bag of cement, rod, sand and brick delivery.
- Open the project → Materials (or the materials entry flow).
- Add material type, quantity, unit rate, supplier and date.
- Log deliveries as trucks arrive — not at the end of the week.
- Running totals show where material money went floor by floor.
Step 05
Daily progress & site photos
Keep a dated diary of work done with proof photos.
- Add a daily log with what happened on site (weather, crew, work done).
- Attach progress photos so NRN clients abroad see real stages — not blurry chat dumps.
- Use the timeline later to settle disputes about what was finished when.
Step 06
Raise and track site issues
Catch problems early before they become expensive.
- Log issues with a short description and optional photo.
- Update status as items are discussed and resolved.
- Shared visibility keeps the contractor and client aligned.
Step 07
Record payments and balances
Know who was paid what — suppliers, labor and stage bills.
- Record advances, supplier bills, labor payments and stage payments with dates.
- Keep a running ledger so balances stay clear for everyone on the project.
- Compare payments against material and labor entries when reviewing the month.
Step 08
Plan stages and schedule
Break the build into milestones you can tick off.
- Use the schedule / WBS view to map foundation, structure, finishing and handover.
- Update milestones as work completes so the timeline matches reality.
- Pair stages with payment schedules so money follows verified progress.
Step 09
Export reports for your client
Share a professional PDF instead of scattered WhatsApp numbers.
- Open Reports and export materials, payments, progress or a full summary.
- Invite collaborators so the client or engineer sees the same project live.
- Send the PDF after major stages — especially for NRN funders abroad.
Ready to track your site?
Install GharNaksa, create your first project, and log the next material delivery today. Full written guide available on the blog.
Try before you sign up
Not ready to sign up? Start in Guest mode.
Explore GharNaksa and try tracking a project without creating an account. When you are ready, create an account to sync, back up and collaborate.
- No account needed to look around
- Try logging materials and labor
- Upgrade to a full account anytime — your data comes with you
Engineer reports, not chat fragments
See what changed on site before deciding what to pay.
Scheduled engineer visits become an organised project record: progress photos, visible-work observations, materials, payments, issues, upcoming decisions and downloadable reports in one private dashboard.
Dated site evidence
Photos and observations tied to the visit and stage.
Payment visibility
Review recorded work and supporting notes before release.
Schedule tracking
See completed, active and upcoming construction tasks.
Independent record
Keep the client, contractor and engineer on the same facts.
Reporting case study
Budhanilkantha 2.5-storey RCC house
A residential project reporting setup designed to replace scattered updates with one reviewable record for schedule, site photos, material entries, payments and contractor statements.
- Location
- Budhanilkantha
- Structure
- RCC residential
- Configuration
- 2.5 storeys
- Report format
- Digital + PDF
01
The visibility gap
Construction information was spread across conversations and separate records, making stage and payment review difficult.
02
The reporting setup
A shared project record organised the programme, activity trail, site photos, materials, payments and vendor statements.
03
The client view
The homeowner could review the same dated information remotely and raise questions from one report instead of reconstructing the story from chat.
Sample engineer report
The project story, section by section
Sample records are shown to demonstrate the reporting format. Figures reflect the supplied project snapshot and should not be read as a final account or engineering certificate.
Report content depends on the selected package, information available on site and the visible work at the time of inspection. Monitoring is not a substitute for full-time supervision, structural design or statutory approval.
Simple software. Professional oversight when you need it.
Start free. Pay for deeper control.
Use GharNaksa free to organise construction. Upgrade for more projects, collaboration, backup and reporting—or add independent engineer monitoring.
GharNaksa Free
For one small project
NPR 0
- 1 active project
- Up to 300 records
- 1 collaborator
- Core materials, labor, payment, issue and photo tracking
- Limited PDF export
- Existing data remains viewable
Best value yearly
GharNaksa Pro
For serious homeowners and engineers
NPR 699/month
or NPR 5,999/year
- Up to 5 active projects
- Up to 5 collaborators per project
- Backup and restore
- Excel and CSV import
- Detailed PDF, Excel and data exports
- Budget-versus-actual and vendor statements
- Priority support
GharNaksa Teams
For contractors and consultancies
From NPR 2,999/month
- Up to 5 projects and 5 staff on Starter
- Client invitations
- Roles and permissions
- Branded reports
- Activity history and approvals
- Growth and custom plans available
GharNaksa app included while your monitoring service is active
Managed construction monitoring
Independent engineer visits plus a private project dashboard. Visit frequency and scope are confirmed after reviewing the project stage, location and contractor arrangement.
4 visits / month
Essential
For clients with a trusted contractor who mainly need structured visibility.
NPR 14,999 / month
- Progress photos and work updates
- Basic material records
- Issue reporting
- Weekly summary
8 visits / month
Control
Our main monitoring package for independent checks and payment visibility.
NPR 29,999 / month
- Workmanship and material checks
- Important measurements
- Payment-request review
- Budget tracking and client calls
Up to 12 visits / month
NRN
Stronger remote oversight for owners living outside Nepal.
NPR 49,999 / month
- Detailed quantity and contractor-bill review
- Supplier and schedule monitoring
- Video walkthroughs and weekly meetings
- Monthly financial progress reports
Daily or near-daily
Dedicated Engineer
For projects needing close involvement in day-to-day execution.
From NPR 75,000 / month
- Regular site presence
- Daily quality and labor coordination
- Measurement checking
- Direct execution support
Project onboarding from NPR 15,000
Includes the initial inspection, drawing and BOQ collection, existing-progress record, dashboard setup, contractor/client onboarding and baseline report. Complex or already-running projects may cost up to NPR 25,000. Extra visits, structural-stage inspections, bill verification, measurement reports, consultations, travel and emergency visits are quoted separately.
Prices are in NPR and may change as services evolve. Site monitoring covers scheduled inspections and reporting; it is different from full-time supervision. Travel and taxes, where applicable, are additional.
From the blog
Guides for building — and tracking — smarter in Nepal
Costs, interiors, NRN builds and site expense systems that lead into free calculators and the GharNaksa app.
Construction tracker for Nepal
Track materials, labor and payments — not just chat updates
GharNaksa is a construction material and cost tracker app built for house builds in Nepal. Homeowners, contractors, engineers and NRN clients use it to log cement and rebar deliveries, mason-days, supplier bills, stage payments and dated progress photos in one shared project — so everyone sees where the money and the work went.
Before construction starts, plan house design in Nepal, estimate house construction cost, prepare Naksa Pass, and size interiors with free tools for interior finishing, bathroom renovation Nepal, false ceiling, ready made modular kitchen, boundary wall cost, parapet wall cost, materials and land area. During the build, replace estimates with real entries in the app.
Check live planning rates for cement price in Nepal today, how many cement bags for a house, sand and aggregate price, brick price in Nepal, rod (saria) price, 2-storey house construction cost, home loan EMI, prepayment and eligibility (EMI calculator guide) , foundation cost calculator, average cost to build a house, expense tracking and NRN builds from abroad. For 200+ extra free calculators (naapi, FAR, BOQ helpers), use tools.housedesigninnepal.com and design ideas at housedesigninnepal.com.
FAQ
Questions, answered
Yes. GharNaksa is free to install and use during our launch. Download it from Google Play and start tracking your construction project right away.
Not yet — GharNaksa is currently available on Android through the Google Play Store, and you can install it on any Android phone or tablet today. If you are on an iPhone, iPad or Mac, the install button becomes a waitlist form: leave your email (an iCloud or Apple ID address is fine) and we will notify you the day the Apple version launches.
GharNaksa is built for homeowners, civil engineers, contractors, site supervisors and NRN clients — anyone who needs to track materials, labor, payments and progress on a construction site.
Yes. You can create and manage multiple projects from a single account, each with its own materials, labor, payments, logs and team.
Absolutely. Log every material — cement, sand, rod, aggregate, bricks and more — with quantity, rate and supplier so you always know what came in and what it cost.
Yes. Record advances, supplier bills, labor payments and stage payments with dates and notes so you always know the running project total — not only the last invoice.
Yes. Record mason-days, labor rates and attendance so you know exactly how much work was done and what you paid your crew.
When you invite your client to a project, they can see the materials, labor, payments, progress photos and reports you share — giving NRN and diaspora homeowners full transparency without living next to the site.
Yes. GharNaksa provides free browser tools for house construction cost, home loan EMI, prepayment and eligibility, interior finishing, bathroom renovation, false ceiling, modular kitchen, materials, labor, Naksa Pass and land area conversion — no account required.
Yes. The free Home Loan EMI calculator estimates monthly EMI on a reducing balance, shows a year-by-year schedule with optional extra prepayments, calculates foreclosure savings, and checks how much you could borrow from income and loan type. It is a planning tool, not a bank sanction.
Guest mode lets you explore GharNaksa and try tracking a project without creating an account. When you are ready, create an account to sync, back up and collaborate — your data comes with you.
Install the app, open Projects, and create a new site with name and location. Open any project later to edit details or status. Log materials, labor, payments and photos inside that project, then export a PDF report. See the full app tutorial on the site for step-by-step screenshots and video.
No. GharNaksa is a tracking and transparency tool, not a replacement for professional advice. It helps you and your engineer or contractor stay on the same page with clear records.
Your project data is stored securely and only shared with the people you invite. You control who joins each project and what they can see.
Your entire construction site — in your pocket.
Track every bag of cement, every mason-day, and every rupee on your site — from your phone, even when you're 10,000 km away.
Install on Google Play
Scan to install
Loved by builders and the families they build for
“I fund my house in Chitwan from Dubai. For the first time I can actually see every bag of cement and every payment without calling ten times a day.”
Bishal Gurung
NRN homeowner, Dubai
“My clients trust the PDF statements. No more arguments about materials or labor — the numbers are right there.”
Er. Sunita Shrestha
Civil engineer, Kathmandu
“Daily logs and site photos keep my whole crew accountable. I run three sites from one phone now.”
Ramesh Tamang
Contractor, Pokhara
5
Roles built for, from homeowner to NRN client
10+
Ways to track your site in one app
100%
Free to install during launch