🛡️ NCRA Compliant · Nepal-built

Premium CBS
Core Banking Solution

Premium CBS is a complete cloud-based Core Banking Solution designed for cooperatives, microfinance institutions, and financial organizations. With integrated modules for deposits, lending, customer management, digital banking, reporting, and third-party integrations. Premium CBS delivers secure, scalable, and future-ready banking solutions through one powerful platform.

Request a Demo Talk to Sales

Premium CBS

Why Premium CBS ?

15+ Years Expertise

Experienced team with deep financial technology knowledge

Secure Cloud Platform

Reliable, scalable, and accessible banking infrastructure

Cooperative Banking Solution

Built specifically for cooperatives & microfinance institutions

Advanced Security

Multi-layer protection with backup and approval controls

🔄

Hassle-free migration

Hassle-free migration from existing systems

Best Implementation

Professional deployment, training, and support

Open Integration

Connect with fintech and digital services

24×7 Support

Continuous assistance through multiple channels

Features

Built for every function
of your institution.

Fixed & Recurring Deposits

Configure FD and RD products with custom tenures, interest rates, and auto-renewal rules. Interest calculation is automatic and posted to GL in real time.

Savings Account Management

Multiple savings account types — mandatory, voluntary, children's, and group savings — each with configurable interest slabs and withdrawal limits.

Share Capital Management

Track member share purchases, transfers, refunds, and dividend distribution. Supports cooperative and SACCOS share structures as per Nepal Cooperative Act.

🔄

Inter-Account Transfers

Real-time fund transfers between member accounts, branches, or to external banks. Full transaction history with timestamps and teller IDs.

📅

Auto-Interest Posting

Scheduled daily, monthly, or quarterly interest posting with automatic GL entries. No manual journal entries required for routine interest accrual.

🧾

Passbook & Statement

Print-ready passbook templates and digital statements with full transaction history. Supports both English and Nepali printing.

📋

Loan Application & Appraisal

Digital loan application capture with customizable appraisal checklists. Supports individual and group loans, including agriculture, business, and personal loan types.

📈

EMI Schedule Generation

Automatic EMI calculation with flat, diminishing balance, or equal principal methods. Generate loan schedules instantly and email to members.

⚠️

Overdue & NPA Tracking

Real-time overdue loan tracking with aging buckets (0–30, 31–60, 61–90, 90+ days). NPA classification follows NCRA directives automatically.

🔗

Collateral Management

Record and track collateral against loans — property, gold, FD lien, guarantor details. Collateral revaluation schedules and expiry alerts included.

💳

Partial Payment & Prepayment

Accept partial EMI payments, advance payments, and full prepayments with automatic recalculation of remaining schedule and interest rebate.

📝

Loan Document Generation

Auto-generate sanction letters, agreement templates, demand notices, and repayment cards. Fully customizable with your institution's letterhead.

📒

General Ledger

Full double-entry GL with multi-level chart of accounts. Every banking transaction auto-posts to the appropriate GL account without manual entries.

🏢

Multi-Branch Consolidation

Consolidate financials from all branches in real time. View branch-wise P&L, balance sheet, and trial balance from head office.

📅

Day-End & Month-End Close

Structured EOD process with automated balance checks, interest posting, and provision entries. Month-end close generates financial statements automatically.

💱

Expense & Income Vouchers

Record operational expenses and non-banking income with department and cost-center coding. Approval workflows for expenses above configurable thresholds.

📊

Financial Statements

Auto-generated Balance Sheet, Income Statement, Trial Balance, and Cash Flow Statement — NCRA and cooperative act format ready.

🔍

Full Audit Trail

Every transaction, modification, and reversal is logged with user ID, timestamp, and before/after values. Tamper-proof and available for regulatory inspection.

👤

Member Onboarding & KYM

Complete digital member registration with KYM document capture, photo, signature, and citizenship scan. Supports individual, joint, and group member types.

🆔

Member ID & Account Linking

Unique member IDs linked to all their accounts, loans, shares, and transaction history. Full 360° member view in one screen.

👨‍👩‍👧

Group & Committee Management

Manage member groups, committees, and boards. Track group savings, group loans, and attendance records for group meetings.

📞

Member Communication Log

Record calls, visits, and notices against member profiles. Automated SMS and email alerts for dues, maturity, and announcements.

🔒

Role-Based Access Control

Define user roles — teller, supervisor, manager, auditor — with granular permission sets. No user can access what they're not authorized to see or modify.

📍

Branch & Department Setup

Configure unlimited branches, sub-branches, and departments with individual bank accounts, staff assignments, and independent operating limits.

NCRA Regulatory Returns

Auto-generate NCRA quarterly and annual returns in the prescribed formats. Deposit and loan return templates updated to match current NCRA circulars.

📊

MIS Dashboard

Live management information system with branch-wise performance, loan portfolio health, deposit growth, and member activity — updated in real time.

📉

Portfolio Quality Reports

PAR (Portfolio at Risk) ratios by product, branch, and loan officer. Provision requirement calculations and write-off schedules following NCRA guidelines.

🧮

Custom Report Builder

Build your own reports from any data point in CBS — select fields, apply filters, group by branch or product, and export to Excel or PDF.

📆

Scheduled Report Delivery

Set up automated daily, weekly, or monthly reports to be emailed to management and board members — no manual generation needed.

🔎

Internal Audit Reports

Transaction exception reports, teller reconciliation, and dormant account summaries designed for internal and external audit support.

Architecture

How Premium CBS Connects Your Financial Ecosystem

Premium CBS is designed as the central technology platform for modern financial institutions, connecting every banking channel and operational service through a secure, real-time, and unified ecosystem.

From branch operations to digital banking services, every transaction flows through a single reliable core engine, ensuring consistency, accuracy, security, and seamless connectivity across all channels.

Real-Time Core Banking Engine

At the center of the ecosystem is the Premium CBS Core Engine, which acts as a single source of truth for all financial transactions. All customer-facing channels and operational modules communicate with the core system to ensure real-time processing and accurate data synchronization.

Connected Channels

Teller Operations — Branch counter transactions
Mobile Banking — Digital banking services
ATM Integration — SCT ATM network connectivity
SMS Banking — Alerts and customer communication
Mobile Collector — Field collection management
Regulatory Reporting — Compliance and reporting requirements

Premium CBS — More Than Core Banking. A Complete Digital Banking Ecosystem.

Web-Based & Centralized Platform

Access Premium CBS through modern web browsers without requiring local software installation on individual computers. The centralized architecture simplifies management, improves accessibility, and enables institutions to operate efficiently from multiple locations.

Browser-based application
Centralized database management
Multi-branch accessibility
Reduced infrastructure complexity

Cloud-Ready & Flexible Deployment

Premium CBS supports flexible deployment models based on institutional requirements. Organizations can deploy the solution on their own infrastructure or utilize secure cloud hosting for improved scalability, availability, and operational efficiency.

Cloud-based architecture
On-premise deployment support
Scalable infrastructure
Secure data management

Secure Data & Automated Backup

Premium CBS is designed with a strong focus on data security and reliability. Automated backup mechanisms help protect critical financial information and support business continuity.

Automated data backup
Secure transaction processing
Reliable recovery mechanism
Protection against data loss

Designed for Nepal’s Banking Environment

Premium CBS is built considering the practical operational requirements of financial institutions in Nepal, including connectivity challenges in remote locations and the need for reliable banking operations.

Optimized for low-bandwidth environments
Supports remote branch operations
Reliable performance over different network conditions
Suitable for cooperatives and financial institutions across Nepal

Compliance & Security

Built to meet Nepal's regulatory standards.

Every module in Premium CBS is designed with NCRA directives in mind. We stay current with regulatory changes so your institution doesn't have to.

NCRA Directives

Compliant with all applicable NCRA directives for cooperative and microfinance institutions.

Cooperative Act

Aligned with Nepal's Cooperative Act 2074 for share management, dividend, and governance.

Data Encryption

All data at rest and in transit is encrypted. No plain-text passwords or financial data ever stored.

📋

AML/KYM Ready

Built-in KYM document storage and member risk categorization following AML guidelines.

📊

Karja Suchana Kendra

Integrated with Karja Suchana Kendra Ltd. (Credit Information Bureau) for monthly credit reporting and borrower credit checks.

Integrations

Connects with the tools
your institution already uses.

SCT ATM Network

Card switching

Mobile Banking

Member payments

SMS Gateway

Alert delivery

📋

Mobile Collector

Field collection

Need something lighter?

A new edition of Premium CBS-Designed to deliver simplicity, security, and full regulatory compliance.

Explore Premium CBS Lite →

Get Started with CBS

See Premium CBS in Action

Experience how Premium CBS can simplify your banking operations, enhance efficiency, and empower your institution with secure, scalable, and future-ready digital banking solutions.

Book a personalized demo with our experts and discover how Premium CBS can support your institution’s unique workflows — with practical insights, not generic presentations.

Book a Live Demo Talk to Our Team

Premium CBSCore Banking Solution