Nepal's Premier Salary-Linked Credit Platform

Eliminate Employee
Financial Stress.

Provide instant, zero-cost short-term credit to your verified workforce. Boost productivity while we handle the lending and compliance.

View Investor Pitch For Employers
0 NPR Cost to Employer
100% NRB Compliant
Professional using mobile app

Employment

Verified by HR

Salary Advance

NPR 15,000
Transferred safely
SalarySaathi Platform Core

The Modern Cure to Financial Stress

A large segment of Nepal's salaried workforce faces urgent cash flow needs. We bridge this gap seamlessly.

The Current Reality

Medical emergencies and salary timing mismatches drive workers to expensive, slow alternatives.

  • Traditional banks are slow, heavily documented, and unsuited for small loans.
  • Informal lenders charge excessively high, non-transparent compound rates.
  • Causes immense debt stress, leading directly to productivity loss for employers.

The Talab Subidha Model

A digital platform orchestrating fast, ethical, transparent credit exclusively for verified salaried workers.

  • Immediate Relief Funds disbursed via licensed lending partners precisely when needed most.
  • Seamless Repayment Auto-deduction through salary payroll or scheduled bank auto-debit.
  • Risk Eliminated Salary linkage removes manual collection and slashes default risk dramatically.

How it works in practice

Three simple steps bridging employers, employees, and institutions.

STEP 01

Employer Verification

Employer integrates and securely verifies employee data and salary cycles.

STEP 02

Digital Application

Employees apply digitally. Licensed partner approves and disburses funds instantly.

STEP 03

Auto-Repayment

Repayment executed perfectly on payday via direct payroll deduction.

Corporate Team Nepal
Corporate Advantage

Zero Cost to You.
Maximum Value for Them.

Financial stress is the leading invisible tax on company productivity. We turn that liability into your strongest employer brand asset.

Higher Productivity

Employees focus completely on work instead of worrying about immediate bills.

Sharper Retention

Financial wellness tools are a top determinant of long-term employee loyalty.

Absolutely Free

Add a world-class financial HR perk to your compensation package for NPR 0.

Employer Brand

Position your organization as one that actively cares for workforce welfare.

Analytics Portal

Absenteeism Drop
-34%
Employee Satisfaction
92/100
High Scale Investment

Market Size & Economics

Nepal Market Dynamics

Unlocking credit for the formal sector workforce including factories, hospitals, schools, and corporate offices.

1

Growing Workforce

A rapidly formalizing employment sector in urban and semi-urban centers.

2

Fintech Readiness

Unprecedented momentum in digital wallet adoption pushing financial tech expectations.

3

Credit Void

Massive underserved market for sub-NPR 50,000 credit limits.

Scalable Revenue Model

Clean, compliant revenue generation based on high-volume unit economics via direct flat processing fees or revenue share with NRB Class C/D partners.

Small Daily Fee
Scalable B2B2C

Example Use Case Economics

NPR 20K for 30 Days
Service Fee / Revenue 800 - 1,200 NPR

Our Competitive Moat & Go-to-Market

Our strict combination of employer-based underwriting with salary-linked repayment creates trust layers traditional banks cannot match in speed, and informal lenders cannot match in price. By onboarding horizontally across an HR ledger, our Customer Acquisition Cost (CAC) operates near zero, driving pure organic growth across corporate campuses.

Compliance & Trust Foundation

We handle technology and acquisition, our partners handle lending.

KYC Ready AML Checked

NRB Regulation Structure

Operating strictly through licensed Class C/D financial institutions for balance sheet adherence.

Bank-Grade Security

End-to-end encrypted employee payroll data processing, maintaining utter privacy.

Transparent Structure

Flat fees presented upfront. Zero hidden penalties, zero compounding debt traps.

Why Invest In Us?

The Talab Subidha Promise

Recurring Revenue
Low Default Risk
National Scale
Social Impact
Simulator

Loan Calculator

Clear, transparent, and instantly calculated.

5K 100K
1 90
0.5% 2.75%

Repayment Summary

Estimated Interest ₹25
Total Repayment ₹5,025

This simulation is for illustrative purposes only. Actual rates and fees may vary based on your employer's agreement and lending partner terms.

Get In Touch

Contact Us

Reach out for any queries, partnerships, or support.

The Next Era of Fintech in Nepal

Help Us Build Nepal's Most Trusted Salary Platform.

We are actively seeking strategic investors and licensed lending partners to support pilot deployment, finalize our core technology, and begin national scaling.

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Required Advance Salary?

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