Complete operations and compliance platform for Nepal's NRB-licensed microfinance institutions - group loan management, offline field collection app, NRB reporting, CIB checks, PAR tracking, and borrower mobile app included.
Purba Tech Labs builds complete microfinance institution (MFI) management software for Nepal - including group loan management, borrower tracking, center meeting records, field officer collection app, NRB quarterly returns, PAR reporting, credit bureau integration, and borrower mobile app.
MFI types served: Retail MFIs · Wholesale MFIs · MFI-Banks · FINGOs · Small Farmers Cooperatives
Starting cost: NPR 2,00,000
Implementation: 10-24 weeks
Free demo: Available on request
Serves all 77 districts of Nepal
Nepal's microfinance sector serves people commercial banks often cannot reach. NRB's 2023/24 supervision data records 52 MFIs, 5,051 branches, 21,727 staff, and 2.66 million active borrowers. But the sector also faced a sharp portfolio-quality shock: public reporting shows NPL rising from 2.6% in mid-July 2022 to above 7% in later sector reviews.
NRB's study identified a structural failure: 418,722 borrowers had loans from two or more MFIs, representing Rs. 141 billion and 37.9% of the total loan portfolio. One borrower was reported with loans from 17 institutions. Without integrated credit information, field officers could not know total borrower exposure before disbursement.
Responsible microfinance at scale requires systems. When CIB checks happen before approval, PAR30/60/90 updates daily, center meetings are recorded digitally, and NRB returns are generated from live data, the failures that created the MFI crisis become detectable and preventable.
NRB-licensed retail MFIs are direct lenders to group borrowers using the Grameen center-group model. Our system manages group formation, center meetings, offline field collection, PAR ageing, and NRB quarterly returns.
Wholesale MFIs lend to retail MFIs and cooperatives. The system manages wholesale credit lines, partner limits, repayment from retail partners, and consolidated portfolio reporting.
FINGOs need member group management, savings mobilization, donor reporting, and lender coordination. Our platform supports NGO-MFI operations with compliance-ready records.
SFCLs sit between cooperative and microfinance workflows. The system supports member shares, DoC reporting, group loans, field collection, PAR tracking, and farmer member records.
Urban MFIs face borrower mobility, higher multi-lending risk, and credit bureau exposure. Pre-disbursement CIB checks and borrower exposure flags help control risk.
Development banks operating MFI windows need segregated portfolio tracking, group borrower management, and MFI-specific reporting alongside banking reports.
Your loan officers work where internet is unreliable. The app records collections, center meetings, attendance, and notes offline, then syncs when connectivity returns.
Borrowers can see their loan balance, every charge, repayment schedule, savings balance, and payment confirmation from a branded app under your institution's own name.
Loan ceilings, classification, provisioning, deprived-sector reporting, and quarterly returns are configured to NRB Class D requirements.
Pass, Substandard, Doubtful, and Loss categories update from overdue status, with provisioning reflected in reports and GL workflows.
Pre-disbursement borrower checks help prevent overlapping loans and reduce multi-borrower risk at origination.
Every login, approval, transaction, and data change is timestamped with user ID for inspection-ready documentation.
| Before | After |
|---|---|
| Loan officer collection in paper register | Field app records collection offline and syncs |
| PAR calculated monthly in Excel | PAR30/60/90 updated automatically every night |
| NRB return assembled manually | NRB return generated from live data |
| Borrower exposure unknown | CIB check before every disbursement |
| Center meeting attendance on paper | Digital center meeting record with timestamp |
| Loan classification at quarter-end | Loans classified and provisioned daily |
| Branch manager waits for weekly reports | Supervisor sees live collection dashboard |
| Loan documents in physical files | Digital loan vault searchable in seconds |
| Borrower calls branch for balance | Borrower checks balance in mobile app |
| Multi-borrower risk invisible | Multi-borrower flagged at origination |
Designed for Class D directives, CIB checks, Nepal's group model, and NRB return formats.
Built for hill districts, rural terai, and weak connectivity from the beginning.
Borrowers, loan schedules, repayments, savings, groups, centers, and accounting balances are migrated and reconciled.
Field officers, tellers, accountants, compliance officers, and managers receive role-specific Nepali training.
We start by reviewing your NRB license conditions, loan products, branch network, field officer workflow, and reporting obligations. Every loan product's classification, provisioning, and reporting requirement is mapped before configuration begins.
We configure product definitions, interest rates, repayment schedules, group and center hierarchy, NRB reporting formats, and user roles. Your compliance officer and operations manager approve every configuration decision.
We migrate borrower records, active loan schedules, savings balances, group and center structure, and accounting data. Active loan schedules must match the old system exactly before go-live.
Field officers practice a simulated collection day using your real data: loading collection sheets, marking repayments, recording center meetings, and syncing at day-end.
Tellers, accountants, managers, and compliance officers receive role-specific training on transactions, GL, dashboards, PAR, and NRB return generation.
For 2-4 weeks, old and new systems run together. PAR, provisioning, active loan schedules, branch summaries, and NRB return data are compared daily.
During the first month, support is dedicated and same-day. Your first NRB return from the new system is reviewed with your compliance officer before submission.
AMC covers NRB directive updates, reporting format changes, CIB API updates, security patches, bug fixes, feature additions, and system health reviews.
Borrowers, groups, loans, PAR, NRB returns, and field app for multi-branch retail MFIs.
Unified borrower database, center meetings, field collection, savings, and donor/lender reports.
Offline-first field collection and PAR tracking for remote hill and rural operations.
Purba Tech Labs builds microfinance management software for every type of NRB-licensed microfinance institution across Nepal. Whether you are a retail MFI in Kathmandu, a group lending institution in Pokhara, a FINGO in Chitwan, an SFCL in a hill district, or a wholesale microfinance institution in Birgunj, we implement, migrate, train, and support your digital transformation.
Nepal ma MFI management system ko cost NPR 2,00,000 dekhi NPR 8,00,000+ samma parcha. Sano MFI ya FINGO ko lagi NPR 2,00,000-4,00,000 parcha. 3,000-15,000 borrower bhako madhyam retail MFI ko lagi NPR 4,00,000-8,00,000. Thulo MFI ya wholesale institution ko lagi NPR 8,00,000+ parcha. Yo cost ma data migration, field officer training, ra go-live support samet hunchha.
Microfinance management software in Nepal costs between NPR 2,00,000 and NPR 8,00,000+ depending on borrower count, branch count, and modules required. A small MFI or FINGO starts at NPR 2,00,000-4,00,000. A medium retail MFI costs NPR 4,00,000-8,00,000. Large MFIs and wholesale institutions cost NPR 8,00,000 and above. All plans include data migration, training, and go-live support.
Yes. We migrate borrower records, active loan schedules, savings balances, group and center structure, and accounting data from old MFI software, Excel files, or manually transcribed records. Go-live happens only after old and new system outputs reconcile.
Yes. The system is built for NRB's Unified Directives for Class D MFIs, including loan classification, provisioning calculation, NRB quarterly returns, capital adequacy data, single-borrower limit checks, deprived-sector reporting, and CIB integration workflows.
Yes. The field collection app is offline-first. Loan officers load their collection sheet before going to the field, record repayments and center meetings offline, and sync automatically when connectivity returns.
Hunchha. Hamro field collection app offline-first design ma baneko chha. Loan officer bihana collection sheet load garera field janchhan. Field ma repayment, center meeting, attendance sab offline record garchhan. Internet aayepachi automatic sync hunchha.
Yes. The system can integrate with Nepal's Credit Information Bureau API so every new loan application can be checked before disbursement. This helps flag existing borrowing and reduce multi-borrower risk.
Portfolio at Risk is calculated automatically every night. PAR30, PAR60, PAR90, and PAR180 are available by branch, loan product, center, and loan officer. Escalation workflows can trigger reminders and management alerts.
A small MFI takes 10-14 weeks. A medium retail MFI takes 14-24 weeks. A large MFI or wholesale institution takes 24-40 weeks. Timelines include configuration, data migration, field training, parallel run, and go-live support.
Yes. NRB quarterly returns for Class D MFIs are generated from live system data in the required submission structure. Compliance officers review and reconcile before submission.
Yes. For institutions that prefer to keep data on their own server, we offer on-premise deployment. We assist with server specification, setup, configuration, and ongoing maintenance.
Fill out the form below or WhatsApp us directly. We schedule a free live demo using sample MFI data and walk through borrower management, group loans, field collection, PAR dashboard, and NRB return generation.
Whether you are moving from paper registers or replacing software that no longer meets NRB's current requirements, start with a free scoping call or live demo.