A Dozen Years of Innovation We proudly announce the official launch of
✨ New product
Premium CBS Lite
Seamless, Efficient, and Secure Core Banking Solution for the Digital Future.
A lighter edition of Premium CBS, built on the same core for institutions that want to start simple.
Designed to deliver simplicity, security, and full regulatory compliance.
Simple, strong, and secure.
Premium CBS Lite is a modern core banking system that makes everyday operations easy and secure while fully complying with regulatory requirements. Built on the same trusted core as Premium CBS, it gives financial institution and microfinance institutions everything they need to manage members, deposits, and loans from the cloud, with no hardware to set up and nothing to install.
Modules
Everything your institution runs on, in one system.
Members
Member registration, KYM verification, and documents in one place.
Deposits
Savings, fixed, and recurring deposit products with automatic interest.
Loans
Loan disbursement, repayment, and portfolio tracking.
Share Capital
Membership shares, transfers, and dividends.
Accounts & GL
Chart of accounts, bank accounts, vouchers, and day close.
Operations
Daily counter operations, transfers, and end-of-day.
Reports
Financial statements and operational reports, ready to print.
Administration & Audit
Users, roles, branches, and a complete audit trail.
Data Migration
Bring your existing data across from your current system.
Features
A closer look at each module.
Member Registration & KYM
Register individual and institutional members with photo, signature, citizenship, address, family relations, and income details.
KYM Verification
Maker-checker approval for new members and edits, so every profile is verified before accounts are opened.
Expired KYM Tracking
See which members need their KYM renewed and update details before records go out of date.
Account List & Cheques
View every account a member holds, issue cheque books, and track the status of each cheque leaf.
Savings Products
Configure savings products with their own interest rates, minimum balances, and withdrawal rules.
Fixed & Recurring Deposits
Open fixed and recurring deposits with maturity dates, installment schedules, and interest calculated automatically.
Account Renewal
Renew matured deposit accounts in a few clicks, carrying the balance forward to the new term.
Installment Tracking
Track due and missed recurring deposit installments so staff can follow up on time.
Disbursement & Schedules
Disburse loans and generate repayment schedules for every installment, ready to print or share with members.
Loan Payments
Collect principal, interest, and penalty at the counter with an instant receipt and automatic ledger posting.
Overdue Tracking
See overdue loans and how long they have been due, so collection teams know where to start.
Renew & Reschedule
Renew or reschedule a loan when terms change, with the new schedule calculated for you.
Group Return
Record repayments for group loans in one entry instead of posting each member separately.
Collateral & Guarantors
Record collateral and guarantors against each loan for a complete view of the security held.
Chart of Accounts
A multi-level chart of accounts where every banking transaction posts to the right ledger automatically.
Bank Accounts
Manage the institution's own bank accounts and keep their balances in step with the ledger.
Voucher Entry & Verification
Enter journal, payment, and receipt vouchers, then approve them through maker-checker verification.
Day Close & Fiscal Years
Close the day branch by branch and at head office, and manage fiscal years from one screen.
Teller Transactions
Deposits, withdrawals, and loan payments at the counter, each with a printed receipt.
Transfers
Move funds between member accounts and between branches in real time.
End-of-Day Batch
Run interest and end-of-day processing as one batch, without manual journal entries.
Trial Balance & Day Book
Trial balance, day book, cash book, and closing balance reports for any date range.
Account Statements
Statements for deposit, loan, share, and GL accounts, in English or Nepali.
Loan Schedule & Aging
Loan schedules and aging reports that show portfolio quality at a glance.
Transaction Reports
Deposit and loan transactions, installments, closed accounts, vouchers, and transaction summaries.
Organization & Branches
Set up your organization profile, logo, and branches from one place.
Users, Roles & Permissions
Give each staff member exactly the access they need with role-based permissions.
Preferences
Tune deposit, loan, and accounting settings to match your institution's policies.
Audit Trail
Every transaction and admin change is logged with who did it and when.
GL & Product Import
Import your chart of accounts and deposit and loan products to get started quickly.
Member Import
Bring member records across in bulk instead of re-entering them by hand.
Account & Loan Import
Import deposit accounts, loans, and cheques with their current balances.
Transaction Import
Import transaction history so statements stay complete from day one.
What it delivers
Creating real value
for a stronger tomorrow.
Member Service Excellence
Faster counter service, accurate balances, and instant statements, so members get answers without waiting.
- Happier members.
- Stronger cooperatives.
Operational Efficiency
Automated interest, day-end, and reports replace manual work, so staff spend less time on paperwork.
- Simpler processes.
- Greater productivity.
Better Governance & Compliance
Role-based access, audit trails, and regulator-ready reports keep every transaction controlled and traceable.
- Safer operations.
- Lasting trust.
Scalable Digital Transformation
Start with the essentials and add mobile, SMS, and more branches as the cooperative grows.
- Ready for today.
- Built for tomorrow.
How it is built
Modular, secure, and cloud-based.
Modular
Individually customizable.
Choose only the modules you need, such as deposits, loans, or share capital, and turn on more when you're ready.
Secure
Protected by encryption architecture.
Data is encrypted in transit and at rest, with user permissions and daily backups to keep member records safe.
A Complete Cloud Based
No hardware setup & installation, instant access.
No servers to buy and nothing to install. Log in from any browser and start working the same day.
Try Premium CBS Lite free
Sign up for a free trial and explore every module with your own team. No hardware, no installation.