Secure software, automation, member management, reporting, and branch operations for finance teams.
Purba Tech Labs builds custom software for banks, cooperatives, microfinance institutions, and financial companies across Nepal.
Solutions: Member management · Loan processing · Savings management · Digital passbook · Share management · NRB reporting · Cooperative mobile app
Compliance: NRB guidelines · Cooperative Act 2074 · Nepal Rastra Bank directives
Serves: Savings & Credit Cooperatives · Banks · Microfinance Institutions · Finance Companies · Insurance Companies across all of Nepal
Response time: Within 24 hours
Nepal's banking and cooperative sector operates under a specific regulatory framework - NRB directives, the Cooperative Act 2074, Department of Cooperatives oversight, and CBS compliance requirements. Software built for Indian or Western financial institutions does not fit this context.
Nepal has over 34,000 registered cooperatives and many banks and financial institutions. Many cooperatives still run on manual ledgers, spreadsheets, or outdated systems that do not generate required reports automatically, do not integrate with eSewa or Khalti, and cannot provide members with real-time access.
Purba Tech Labs builds modern financial software that automates member onboarding, loan disbursement and collection, savings management, share calculations, dividend processing, and regulatory reporting while giving members mobile app access.
Every solution is built for Nepal's regulatory environment, payment systems, and operational context - not adapted from a foreign template.
Complete end-to-end software for savings and credit cooperatives - member management, savings accounts, loan management, share ledger, dividend calculation, and NRB/DoC reporting. Replaces manual ledgers and spreadsheets with an auditable, automated system.
Digital member onboarding with KYC document capture, member ID generation, account history, and relationship tracking. Full audit trail for every member action - compliant with Cooperative Act 2074 and NRB directives.
End-to-end loan lifecycle management - application, appraisal, disbursement, EMI scheduling, collection tracking, overdue management, and provisioning reports. Supports group loans, individual loans, and collateral-backed products.
Multiple savings product support - regular savings, fixed deposits, recurring deposits, and compulsory savings. Automatic interest calculation, maturity alerts, and monthly statement generation with Devanagari support.
Share issuance, transfer, and surrender management with full share ledger, certificate generation, and real-time share capital reporting. Dividend calculation based on share holding at AGM, with automated payout summaries.
Mobile app for cooperative members - check balance, view transaction history, download digital passbook, receive payment alerts, and contact the cooperative directly. Available for Android and iOS.
Members pay loan EMIs, deposit savings, and pay share subscriptions directly via eSewa or Khalti from the mobile app or website. Reduces cash handling and manual reconciliation.
Automatic generation of mandatory regulatory reports - NRB quarterly returns, DoC annual audit formats, loan classification, provisioning, and Portfolio at Risk calculations. Export in required formats.
Double-entry accounting system with cooperative-specific chart of accounts, trial balance, profit and loss, balance sheet, and cash flow reports. Integrated with loan and savings modules.
AI-powered dashboards that predict loan default risk, identify dormant members, flag unusual transactions, and generate automated board reports. Turns operational data into management intelligence.
Our systems are designed against NRB's unified directives for BFIs and cooperative oversight guidelines. Loan classification, provisioning requirements, interest income accrual, and mandatory reporting formats are built into the system - not generated manually.
Member rights, share limits, dividend rules, AGM reporting obligations, and audit requirements under Nepal's Cooperative Act 2074 are reflected in system workflows. The system can enforce bylaw-defined rules and eligibility conditions.
Financial data is encrypted at rest and in transit. Role-based access control ensures tellers, loan officers, managers, and auditors see only what their role permits. Audit logs record every transaction and data change.
For banks already running CBS, we build middleware integrations that connect your CBS to member-facing apps, payment gateways, reporting tools, and AI analytics layers without replacing your existing core system.
Different institution types have different regulatory obligations, workflows, and member expectations.
We build from scratch for Nepal's NRB directives, Cooperative Act 2074, and DoC requirements.
We understand daily workflows from cash collections to end-of-day reconciliation to quarterly audits.
We migrate member records, loan history, savings balances, and share ledgers from old systems, Excel, or manual records.
We offer cloud-hosted and on-premise deployment with the same features, security, and support.
We start with a structured discovery - your existing workflows, your regulatory obligations (NRB class, cooperative type, DoC requirements), your existing data, and your specific operational challenges. We map every requirement to a system feature before writing any code.
We design the system architecture and configure it to your institution's specific bylaws - interest rates, loan products, share limits, dividend rules, savings products, and reporting formats. Configuration happens before development, not after.
We build the system in phases - core modules first (member, savings, loans), then accounting integration, then reporting, then mobile app and payment integrations. You see working software at the end of each phase.
We extract your existing data - from Excel, old software, or manual records - clean it, verify it, and load it into the new system. Every migrated record is verified by your team before go-live. Zero data loss is non-negotiable.
We conduct structured training for all user roles - tellers, loan officers, managers, accountants, and system admins - with role-specific training materials in Nepali. Training is hands-on with your actual data.
We run the old and new systems in parallel for 2-4 weeks - comparing outputs daily to catch any discrepancies. Go-live happens only when your team is confident and all outputs match. There is no big bang cutover risk.
After go-live, we provide dedicated support during the first 3 months - daily check-ins, rapid issue resolution, and staff confidence building. AMC plans cover ongoing support, NRB directive updates, and system enhancements.
Pricing depends on institution size, number of members, modules required, and deployment type. All prices in NPR.
AMC covers NRB directive updates, patches, bug fixes, server monitoring, and quarterly system health reports. AMC pricing: 15-20% of implementation cost per year. Get a free scoping call and cost estimate →
Member, savings, loan, share, dividend, accounting, DoC reporting, and mobile app modules for SACCOS operations.
Offline-capable field officer app with group loans, repayment collection, sync, PAR reporting, and provisioning support.
Member support bot pattern for balance, loan outstanding, next EMI, and share balance queries in Nepali or English.
Purba Tech Labs builds custom banking and cooperative software for financial institutions across all of Nepal - from large cooperatives in Kathmandu and Pokhara to small savings and credit cooperatives in Karnali, Sudurpashchim, and every province in between. Whether you are a cooperative in Jhapa, a microfinance institution in Sunsari, a finance company in Biratnagar, a development bank in Chitwan, or a cooperative union in Butwal, we deliver NRB-compliant, Cooperative Act 2074-aligned software with data migration and staff training included. Start with a free scoping call.
Cooperative management software in Nepal costs between NPR 1,50,000 and NPR 7,00,000+ depending on the number of members, modules required, and whether deployment is cloud or on-premise. A basic system for a small cooperative (under 500 members) starts at NPR 1,50,000-3,50,000. A full-featured system for a medium cooperative with mobile app, payment integration, and complete accounting starts at NPR 3,50,000-7,00,000. Annual Maintenance Contracts (AMC) are typically 15-20% of the implementation cost per year. Purba Tech Labs provides a free scoping call and written itemized estimate before any commitment.
Yes. Our cooperative management systems are built against NRB's unified directives and the Cooperative Act 2074. The system automatically generates NRB-required reports including loan classification (Pass/Substandard/Doubtful/Loss), provisioning requirements, and quarterly returns in the required submission format. Department of Cooperatives annual audit formats are also generated automatically.
Yes. Data migration is included in every implementation. We extract data from your existing system - whether it is an old cooperative software, Excel files, or partially manual records - clean it, verify it, and load it into the new system. We run a parallel operation period where both systems produce the same outputs before go-live, ensuring complete data accuracy.
Yes. Our cooperative management systems include a member mobile app for Android and iOS where members can check their savings balance, loan outstanding and next EMI, share balance, and transaction history, and download a digital passbook. Members can also pay EMIs directly via eSewa or Khalti from the app without visiting the cooperative office.
Yes. We integrate eSewa and Khalti into both the member mobile app and the cooperative's website for loan EMI collection, savings deposits, and share subscriptions. Payments are reconciled automatically in the system - no manual entry required. This significantly reduces counter queues and cash handling risk.
Our AMC (Annual Maintenance Contract) includes updates for NRB directive changes as a standard component. When NRB issues new directives affecting software requirements - reporting formats, provisioning rules, or new compliance obligations - we update your system at no additional charge under AMC. This is one of the most important reasons to maintain an AMC with your financial software vendor.
Yes. Our medium and enterprise plans support multi-branch architecture - each branch has its own user access, cash management, and daily operations, with consolidated reporting at the head office level. Branch-to-branch transfers, inter-branch reconciliation, and consolidated financial statements are all supported.
Yes. For institutions that require data to remain on their own servers - typically larger cooperatives, banks, and institutions with strict data governance requirements - we offer complete on-premise deployment. The software is identical to the cloud version; only the hosting infrastructure differs. We assist with server specification, setup, and configuration.
A small cooperative system takes 8-12 weeks including data migration and training. A medium cooperative or MFI system takes 12-20 weeks. A bank or large institution project takes 20-40 weeks. These timelines include requirements mapping, development, data migration, parallel run, and staff training - not just software delivery.
Yes. Our loan management module is fully configurable - interest rates, repayment frequency, collateral requirements, guarantor rules, group vs individual eligibility, compulsory savings requirements before loan eligibility, and maximum loan-to-savings ratios. Every parameter is configured to match your specific cooperative bylaws and product terms before go-live.
Yes. All our financial software supports full Devanagari (Nepali) text - member names, addresses, remarks, and printed documents including passbooks, loan agreements, share certificates, and official reports. The interface can be configured to display in Nepali, English, or bilingual based on your preference and user roles.
Contact us for a free 45-minute scoping call. We discuss your institution type, number of members, current system, regulatory requirements, and project timeline. We follow up with a written proposal and itemized cost estimate within 48 hours. No commitment is required until you approve the proposal.
Whether you are moving from manual ledgers for the first time or replacing an outdated system, we have done this before. The first step is a free 45-minute scoping call - no commitment, no sales pressure.