Complete digital management system for Nepal's savings and credit cooperatives, multipurpose cooperatives, and cooperative unions - NRB-ready, DoC audit-ready, member mobile app included.
Purba Tech Labs builds complete cooperative (sahakari) management software for Nepal - including member management, savings, loans, share management, dividend calculation, digital passbook, member mobile app, and automatic NRB & DoC audit reporting.
Cooperative types served: Savings & Credit (SACCOS) · Multipurpose · Agriculture · Consumer · Cooperative Unions
Starting cost: NPR 1,50,000
Implementation: 8-20 weeks
Free demo: Available on request
Serves all 77 districts of Nepal
Nepal's cooperative sector is one of the largest in Asia - 31,450 cooperatives managing deposits of Rs. 478 billion from 7.38 million members, according to Department of Cooperatives data reported for March 2024. It serves communities that commercial banks often do not reach. Yet in 2023 and 2024, the sector faced its worst crisis: a Parliamentary Investigation Committee found around Rs. 87.88 billion embezzled across 40 cooperatives, with 22 declared sick.
The root problem was not cooperative members. It was weak management, poor governance, no transparent audit trail, manual ledgers, and disconnected spreadsheets. When a few people can manipulate accounts and obscure the true financial position from members, auditors, and boards, the cooperative model itself loses trust.
Modern cooperative software is not just an operational convenience. It is a governance tool. When every transaction is recorded, every change is logged, DoC audit reports are generated from live data, and members can check balances from a mobile app, the conditions that allowed the crisis become much harder to hide.
A proper cooperative management system closes every one of these gaps - automatically, affordably, and permanently.
Nepal's cooperative sector spans many types. Each has different bylaws, regulatory requirements, and workflows.
The most common cooperative type in Nepal - managing member savings, loan products, and share capital. Our system handles the full SACCOS workflow from onboarding to DoC audit report generation.
Manages both financial services and non-financial member services such as consumer goods, trading, and services. Our system integrates both streams in one platform.
Combines member financial services with input supply, produce aggregation, and market linkage management. Financial operations and agricultural supply chain stay connected to member accounts.
Manages member purchases, goods inventory, purchase rebates, and dividend calculation based on patronage. POS, inventory, and member accounts run in one system.
Multi-level system for district and provincial unions that affiliate primary cooperatives with consolidated reporting, union accounts, and federation membership management.
Milk collection tracking, quality grading, farmer member payments, chilling centre management, and processor billing integrated with member savings and loan accounts.
Give your members 24/7 access to their accounts - without calling your office.
Check savings balance, loan outstanding, and share balance in real time.
View and download complete transaction history as a digital passbook PDF.
See EMI schedule, next due date, outstanding principal, and interest.
Alerts for deposits, withdrawals, EMI reminders, and announcements.
Pay loan EMIs via eSewa or Khalti from the app.
Add savings directly from eSewa or Khalti.
View and download digital share certificate.
Full interface in Nepali (Devanagari) and English.
Published under your cooperative's own name and branding.
Share limits, mandatory reserve funds, dividend rules, audit requirements, and AGM obligations are reflected in workflows.
DoC schedules are generated from live transaction data: member statistics, financial statements, portfolio reports, and reserve fund status.
For cooperatives above Rs. 500 million transaction threshold, the system supports quarterly returns, loan classification, provisioning, and capital data.
Every transaction, data change, and user action is logged with timestamp and user ID so manipulation becomes detectable immediately.
| Before (Manual / Old System) | After (Purba Tech Labs System) |
|---|---|
| Interest calculated in Excel - errors every month | Interest calculated automatically - zero errors |
| DoC audit takes 2-3 weeks of staff time | DoC audit report generated in 30 minutes from live data |
| Members call the office for balance | Members check balance on mobile app instantly |
| Field collection in physical register | Field collection recorded in mobile app and synced |
| Dividend calculation takes days at AGM | Dividend calculated per member in one click |
| Member data in Excel with no audit trail | Data encrypted, backed up, and fully auditable |
| Loan overdue noticed during monthly review | Overdue alert fires automatically on due date |
| NRB report assembled manually | NRB return generated in required format |
| Share certificate typed manually | Share certificate generated and sent to member app |
| Board has no live visibility | Board dashboard shows live cooperative health |
Built from scratch for Nepal's Cooperative Act 2074, DoC reporting, and NRB directives.
We migrate member records, savings history, loans, share ledger, and opening balances from old software, Excel, or manual ledgers.
Your app is published under your cooperative's name and branding - not Purba Tech Labs.
Tellers, loan officers, accountants, managers, and admins get role-specific Nepali training.
We start by reviewing your cooperative's registered bylaws - share limits, savings products, loan products, interest rates, dividend rules, reserve fund obligations, and reporting requirements. Every configuration decision is based on your actual bylaws, not generic defaults.
We configure the system to your cooperative's specific bylaws before any live data is entered - product definitions, interest rate tables, EMI calculation methods, loan eligibility rules, user roles, and DoC/NRB reporting formats. You review and approve every configuration.
We extract your existing member data, account balances, loan schedules, share ledger, and accounting records. We clean, verify, and load this data into the new system. Every record is reconciled - opening balances in the new system must match your old system exactly.
We conduct role-specific training in Nepali - tellers on daily transactions, loan officers on loan processing and field app, accountants on the GL and reporting, and management on the dashboard and board reports. Training uses your own configured system with your own data.
For 2-4 weeks, we run the old and new systems simultaneously. Every day's transactions are processed in both systems and outputs compared. Go-live happens only when the systems produce identical results - no discrepancies, no unexplained differences.
On go-live day, we are on-site or on-call. The first month of live operation has dedicated support - same-day response to any issue. We call your team daily for the first two weeks to check everything is running smoothly.
After the hypercare period, support continues under your contracted plan. AMC covers system updates when NRB or DoC changes reporting formats, security patches, bug fixes, new feature additions, and annual system health reviews.
AMC covers NRB & DoC format updates, security patches, bug fixes, new features, server monitoring, and quarterly system health reviews. Get a free scoping call and exact quote →
Member, savings, loan, share, dividend, audit, and mobile app modules for savings and credit cooperatives.
Financial operations plus inventory, trading, consumer goods, and member account integration.
Offline-capable mobile collection workflow for loan officers serving rural members.
Purba Tech Labs builds cooperative (sahakari) management software for every type of cooperative across all 77 districts of Nepal. Whether you are a savings and credit cooperative in Kathmandu, a multipurpose cooperative in Pokhara, an agriculture cooperative in Chitwan, a consumer cooperative in Butwal, or a cooperative union in Dhangadhi, we implement, migrate, train, and support your cooperative's digital transformation. Nepal's cooperatives deserve modern, transparent, auditable software that protects deposits and serves members.
Nepal ma cooperative management system ko cost NPR 1,50,000 dekhi NPR 6,00,000+ samma parcha. 500 samma member bhako sano cooperative ko lagi NPR 1,50,000-3,00,000 parcha. 500-3,000 member bhako madhyam cooperative ko lagi NPR 3,00,000-6,00,000. Thulo cooperative ya cooperative union ko lagi NPR 6,00,000+ parcha. Yo cost ma data migration, staff training, ra go-live support samet hunchha - kewal software delivery hoina. AMC implementation cost ko 15-20% per year hunchha. Purba Tech Labs le free scoping call ma exact quote dinchha.
Cooperative management software in Nepal costs between NPR 1,50,000 and NPR 6,00,000+ depending on member count, modules required, and deployment type. A small cooperative under 500 members starts at NPR 1,50,000-3,00,000. A medium cooperative with full accounting, mobile app, and payment integration costs NPR 3,00,000-6,00,000. Large cooperatives and unions cost NPR 6,00,000 and above. All plans include data migration and staff training.
Yes. Data migration is included in every implementation. We extract your existing member records, savings balances, loan schedules, share ledger, and accounting data from old cooperative software, Excel files, or manually transcribed ledger records. We run parallel operation until outputs match exactly. Go-live happens only when every figure reconciles.
Yes. The system enforces Cooperative Act 2074 rules automatically - share limits per member, mandatory 25% reserve fund transfer from net profit, loan eligibility based on compulsory savings, and dividend distribution only after proper reserve allocation. DoC annual audit reports are generated automatically from live transaction data.
Yes. Every cooperative system includes a member mobile app for Android and iOS. Members can check savings balance, loan outstanding and EMI schedule, share balance, and full transaction history. They can pay EMIs via eSewa or Khalti, receive push notifications, and download a digital passbook PDF. The app is published under your cooperative's own name and branding.
Yes. eSewa and Khalti payment integration is included in the medium and enterprise plans. Members can pay loan EMIs, add to their savings account, and pay for share subscriptions directly from the mobile app via eSewa or Khalti without visiting the cooperative office. Payments reconcile automatically in the system.
Hunchha. Hamile Excel bata data migration nai ramrosanga garchham. Member records, savings history, loan records, share ledger - sabai Excel bata extract garera, verify garera, naya system ma load garchham. Parallel run period ma puraano ra naya system duitai chalaunchham - sabai output match bhayepachi matra go-live garchham. Data loss zero hunchha.
Yes. For cooperatives that prefer to keep data on their own server, particularly larger cooperatives with strong data governance requirements, we offer complete on-premise deployment. The software is identical to the cloud version. We assist with server specification, setup, configuration, and ongoing maintenance.
A small cooperative system takes 8-12 weeks including data migration, configuration, training, and parallel run. A medium cooperative system takes 12-20 weeks. A large cooperative or union takes 20-36 weeks. These are complete implementation timelines - not just development time.
Our AMC includes reporting format updates as a standard component. When NRB or DoC changes required reporting formats, we update your system at no additional charge under AMC. This is one of the most practical reasons to maintain AMC with your cooperative software vendor.
Yes. The loan module supports unlimited loan products - each with its own interest rate, tenure, repayment frequency, collateral requirements, guarantor requirements, compulsory savings prerequisite, and loan-to-savings ratio limit. Every product is configured to match your cooperative's actual bylaw terms before go-live.
Fill out the form below or WhatsApp us directly. We schedule a free live demo where we walk through the complete system using sample cooperative data. The demo covers member management, loan processing, savings, share management, the member mobile app, and DoC report generation. No commitment required.
Whether you are moving from manual ledgers for the first time or replacing an old system that no longer meets DoC requirements, start with a free scoping call or live demo. No commitment required.