Money moves between relatives, neighbours and colleagues here constantly, and most of it moves on a spoken promise. What is missing when it goes wrong is never goodwill — it is a piece of paper saying how much, at what interest, and by when.
What a तमसुक has to say
Four things decide whether a loan paper is worth anything later: the amount in both figures and words, the interest rate, the date the money is due back, and the signatures of two witnesses. A note missing any one of them is an argument waiting to happen.
Write the amount in words as well as figures. A figure alone can be altered with a pen; words cannot. This is why every bank cheque does the same thing.
Interest, and how to state it
Quote the rate per year even when repayment is monthly. That is how a rate is quoted in Nepal, and stating a monthly figure next to a yearly assumption is the single most common cause of a dispute over what was actually agreed.
An interest-free loan between family is perfectly normal — leave the rate blank and the document says so plainly, which is better than silence.
Why witnesses matter more than you think
Two witnesses are what turns a private note into something that holds up. They are not a formality: their names, addresses and signatures are what a court looks at when the two parties disagree about what was signed.
Choose people who are not related to either side, and who can be found later.
Nepali or English
A तमसुक between two people in Nepal is normally written in Nepali, and this defaults to that. Switch it to English if the loan is with a company or is going to be read abroad — the layout, fields and clauses stay the same either way.
तमसुकको नमुना — पूरा कागज
तमसुक
मिति: [२०८३ भदौ २५]
ऋणदाता: [पूरा नाम], [ठेगाना], ना.प्र.नं. [नम्बर], फोन [नम्बर]
ऋणी: [पूरा नाम], [ठेगाना], ना.प्र.नं. [नम्बर], फोन [नम्बर]
म [ऋणीको नाम] ले माथि उल्लिखित ऋणदाताबाट रु. [५०,०००।–] (अक्षरेपी पचास हजार रुपैयाँ मात्र) नगदमा बुझिलिएको हुँ।
उक्त रकममा वार्षिक [१२] प्रतिशतका दरले ब्याज लाग्नेछ, र ब्याज रकम बुझिलिएको मितिदेखि हिसाब गरिनेछ।
साँवा र ब्याज सहितको पूरा रकम मिति [२०८४ भदौ २५] भित्र चुक्ता गर्नेछु। म्याद अगावै फिर्ता गरेमा फिर्ता मितिसम्मको मात्र ब्याज लाग्नेछ।
तोकिएको म्यादभित्र चुक्ता नभएमा चुक्ता नभएसम्म सोही दरमा ब्याज लागिरहनेछ, र ऋणदाताले प्रचलित कानुनबमोजिम असुल उपर गर्न सक्नेछन्।
ऋणी: [हस्ताक्षर] · [नाम]
ऋणदाता: [हस्ताक्षर] · [नाम]
साक्षी १: [नाम], ना.प्र.नं. [नम्बर], [हस्ताक्षर]
साक्षी २: [नाम], ना.प्र.नं. [नम्बर], [हस्ताक्षर]
Common questions
Is a तमसुक legally valid without a lawyer?
A written, signed and witnessed loan record carries real weight in Nepal, and does not require a lawyer to draft. This produces a template, not legal advice — read every clause, change what does not match what you agreed, and consult a lawyer for a large amount or anything already contested.
Does it need to be on stamp paper?
Practice varies. Many private loans are recorded on plain paper with two witnesses and are treated as valid. For a large amount, or where you expect trouble, ask at your ward office or a lawyer about registration and stamp duty in your district.
Can I write it without interest?
Yes. Leave the interest field blank and the document states that the loan is interest-free, which is far better than leaving the question unanswered.
What if the borrower does not pay?
The default clauses state that interest continues to accrue and that the lender may recover the amount under prevailing law. That is exactly why the document, the dates and the witnesses matter — they are the evidence of what was agreed.
Is my information sent anywhere?
No. Everything stays in your browser, including the draft it saves so you do not lose a half-filled form. Nothing is uploaded, and there is no account unless you make one to sync your work across devices.
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