Lending software for Nepal

A cooperative and microfinance-heavy market moving to wallet-based repayments. lendhero arrives with Credit Information Bureau of Nepal, National ID verification and connectIPS already connected, so your team configures products instead of plumbing.

See the local stack
  • NPR (Rs)
  • Nepali, English
  • 13 local connectors
  • 1–2 weeks to launch

Namaste, Sita

ApprovedRs 100,000

766

Credit score

On-time payments

Monthly paymentRs 4,920

Market profile

Nepal at a glance

What lendhero is set up for in Nepal before your team logs in.

Currency

NPR (Rs)

Languages

Nepali, English

Supervisor

Nepal Rastra Bank

Credit data

Credit Information Bureau of Nepal

Payout rails

connectIPS, eSewa, Khalti

Data protection

the Privacy Act 2018

13
local connectors wired in before kickoff
NPR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Nepali, English

Working with borrowers in Nepal

Tools for every borrower conversation

Borrowers in Nepal apply, sign, pay and come back for repeat loans in Nepali and NPR.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by Viber Business and Infobip automatically.

Your application is approvedViber Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Nepali.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Sita · Consumer loan, 6 months · Rs 100,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Nepal stack, connected before kickoff.

Credit Information Bureau of Nepal, National ID verification, connectIPS and Viber Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries1 connector
    • CCredit Information Bureau of Nepal
  • Identity & KYC2 connectors
    • NNational ID verification
    • OOnfido
  • Bank & alternative data2 connectors
    • WWallet data
    • BBank statements
  • Disbursement rails3 connectors
    • cconnectIPS
    • eeSewa
    • KKhalti
  • Repayments & collections3 connectors
    • eeSewa
    • KKhalti
    • cconnectIPS
  • Messaging3 connectors
    • VViber Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Nepal

Applicants are checked with Credit Information Bureau of Nepal, and money moves via connectIPS and eSewa.

Client checks

Checks connected in Nepal:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNational ID verification, OnfidoPass
  • Credit bureausCredit Information Bureau of NepalPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataWallet data, Bank statementsReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Nepal:

DisbursementconnectIPS, eSewa, Khalti in NPR
RepaymenteSewa, Khalti, connectIPS
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • connectIPS
  • eSewa
  • Khalti

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in NPR are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

Rs 100,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Rs 35,670 of Rs 107,0002 of 6 payments
DateAmountStatus
Sep 4Rs 17,830Paid
Oct 4Rs 17,830Paid
Nov 4Rs 17,830Due in 7 days
Dec 4Rs 17,830Upcoming
Jan 4Rs 17,830Upcoming
Reminder sentYour payment of Rs 17,830 is due Nov 4

Loan flow

How a loan runs in Nepal. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via Viber, with forms in Nepali and English.
  2. 02VerifyIdentity and documents are checked through National ID verification and Onfido.
  3. 03DecideScorecards pull Credit Information Bureau of Nepal data and return a decision in seconds.
  4. 04DisburseFunds go out via connectIPS or eSewa in NPR, straight after signing.
  5. 05CollectRepayments arrive via eSewa and Khalti, with reminders over Viber Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

Rs 100,000

Next payment

Rs 17,830 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SitaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Nepal launch on .

MicrofinanceGroup loans with wallet repayments.
Consumer instalment loansPersonal loans.
Business lendingLoans for small traders.

Compliance

Configured for NRB and the Privacy Act 2018.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Nepal.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Privacy Act 2018 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Privacy Act 2018.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for NRB rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in South Asia

All Asia markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Nepal?+

Yes. The platform is set up for NPR, Nepali and English and NRB requirements, with 13 local connectors ready on day one.

Which credit data sources are connected in Nepal?+

Credit Information Bureau of Nepal. On top of that, identity checks run through National ID verification and Onfido and bank data comes from Wallet data and Bank statements.

How do borrowers get paid and repay?+

Payouts go out via connectIPS, eSewa and Khalti in NPR. Repayments arrive via eSewa, Khalti and connectIPS, with reminders over Viber Business and Infobip.

How long does a launch in Nepal take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 13 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Nepal? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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