Naggar is relaxed about a lot of things, but connectivity is one area where it pays to plan a little ahead. Here's what to actually expect for mobile network, cash and Wi-Fi if you're basing yourself in the village.
Mobile Network and SIM Cards
Jio and Airtel both carry decent 4G signal through Naggar village and along the main Kullu–Manali highway, and either works fine for maps, messaging and calls. BSNL coverage is patchier in the village itself but tends to hold on better once you're out on remote treks or in valleys where private networks drop out, so it's worth having as a backup if you're planning to head deeper into the Parvati Valley or up toward the passes. If you need a local SIM, pick it up in Kullu or Manali before heading to Naggar — buying one requires ID and a passport photo, and it's a slower process to arrange from the village itself. Prepaid tourist SIMs bought at a metro airport also work fine here.
ATMs and Cash
There's no ATM in Naggar's old town — the temples, castle and Roerich Gallery area. The nearest machines are on the main road strip at the bottom of the hill, and more reliably in Patlikuhl or Kullu town if the local ones are out of cash, which does happen occasionally in smaller hill towns. Most homestays, cafes and taxi drivers in Naggar accept UPI payments without any trouble, but it's still worth carrying a few thousand rupees in cash for smaller shops, local buses and anywhere signal drops out.
Wi-Fi and Staying Online
Wi-Fi is generally reliable in Naggar's homestays and the handful of cafes near the castle and gallery, good enough for video calls and everyday browsing. Power does cut out occasionally, especially after heavy rain or snow, so a power bank is a sensible thing to carry if you need to stay reachable. If your trip is more than a quick sightseeing stop, it's worth checking with your homestay in advance about their internet setup, particularly if you're planning to work while you're here.
Ghar in the Hills keeps a stable Wi-Fi connection alongside its valley views, so you can answer the odd email without giving up the quiet — worth a look if you want a base that handles both.
None of this should hold up a trip to Naggar — the village is easier to stay connected in than most hill destinations in Himachal. A little preparation on cash and SIMs just means one less thing to think about once you're here.