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Provinces Served
Trusted by cooperatives & financial institutions across Nepal
Himal SACCOS
Annapurna Cooperative
Saraswati Finance
Gandaki SACCOS
Everest Cooperative
Bagmati Finance
Lumbini SACCOS
Powerful Features
Everything your cooperative needs, in one platform
From core banking to analytics — Luniva unifies your operations so your team can focus on members, not paperwork.
Cloud Based
Access your cooperative anytime, anywhere on secure Nepali cloud infrastructure with automatic backups.
Accounting
Double-entry accounting, ledgers, trial balance and financial statements — fully automated and accurate.
Loan Management
End-to-end lending — applications, EMI schedules, interest, disbursement, recovery and NRB reporting.
Member Management
KYC, memberships, shares, nominations and full member lifecycle in a single searchable database.
SMS Integration
Automated SMS alerts for deposits, withdrawals, EMI reminders and balance inquiry via built-in gateway.
Mobile Banking
Native mobile app for members — balance, statements, transfers, loan requests and branch locator.
Reports
100+ ready reports including NRB prudential reports, board packs and customizable statements.
Analytics
Live dashboards and insights on deposits, loans, growth and portfolio health — make data-driven decisions.
Product Tour
See Luniva in action
Explore the modules cooperatives use every day — clean, fast and designed for real Nepali workflows.
Core Dashboard
A real-time command center for your cooperative
Monitor deposits, loans, members and recovery at a glance. Drill into any figure and act instantly — all from one beautiful dashboard.
- Live KPIs for deposits, loans & members
- Visual charts for growth & portfolio health
- Role-based access for staff & board
रू 4.2CrDeposits
1,204Members
98%Recovery
Accounting Module
Compliant double-entry accounting, automated
Every transaction posts to the right ledger automatically. Generate trial balance, P&L and balance sheets in a click — audit-ready, always.
- Auto journal entries from banking & loans
- Trial balance, P&L & balance sheet
- Multi-branch & multi-currency ready
Loan Module
Manage the full lending lifecycle
From application to recovery — automate EMI schedules, interest, penalties and collateral tracking while keeping NRB reports accurate.
- EMI & amortization scheduling
- Collateral & guarantor tracking
- Overdue alerts & recovery workflow
Reports & Analytics
100+ reports, including NRB prudential reports
Generate board packs, regulatory filings and custom statements instantly. Export to PDF or Excel and schedule automated delivery.
- NRB-ready prudential & core reports
- Drag-and-drop custom reports
- Scheduled email & export delivery
Luniva Mobile
Banking in your members' pockets
A native iOS & Android app lets members check balances, view statements, transfer funds, request loans and locate branches — 24/7.
- Balance, statements & transfers
- Loan requests & EMI tracking
- Biometric login & secure OTP
Available Balance
रू 84,500
Sent रू 5,000
Received रू 12,000
Pay Loan EMI
View Statements
Why Luniva
The cooperative banking partner Nepal trusts
For 12+ years we've helped cooperatives digitalize safely, comply with regulations and serve members better — with local support that understands Nepal.
Bank-grade Security
Encryption, backups & role access.
Encryption, backups & role access.
Nepali & English
Nepali date (B.S.) & unicode.
Nepali date (B.S.) & unicode.
Local Support
Nepal-based team, fast response.
Nepal-based team, fast response.
Affordable Pricing
Plans sized for cooperatives.
Plans sized for cooperatives.
How It Works
Go live in 4 simple steps
From first call to a fully digital cooperative — our team handles the heavy lifting every step of the way.
01
Consult & Plan
We understand your cooperative, processes and goals to design the right setup.
02
Setup & Migrate
Configure modules and securely migrate your members, accounts and loan data.
03
Train Your Team
Hands-on training for staff and board so everyone is confident on day one.
04
Go Live & Grow
Launch with 24/7 support and continuous updates as your cooperative grows.
Area Agents
Local representatives near you
Talk to a Luniva agent in your region for demos, onboarding and on-ground support — one call away.
Testimonials
Loved by cooperative leaders
"Luniva transformed how we operate. Loan processing that took days now takes minutes, and our members love the mobile app. The local support team is exceptional."
Ramesh K.C.
Chairman, Himal SACCOS
Chairman, Himal SACCOS
"The accounting and NRB reporting alone saved us weeks every quarter. Luniva is built for how cooperatives in Nepal actually work."
Sita Sharma
Manager, Annapurna Cooperative
Manager, Annapurna Cooperative
"From data migration to staff training, the Luniva team made our digital transition painless. Our recovery rate improved and SMS reminders work like magic."
Bikash Tamang
CEO, Gandaki SACCOS
CEO, Gandaki SACCOS
FAQ
Questions? We've got answers
Everything you need to know about Luniva, pricing, security and onboarding. Can't find what you're looking for?
View all FAQsAbsolutely. Luniva scales from a few hundred members to tens of thousands, with flexible plans sized for cooperatives of every stage.
Yes. We use encryption, automated daily backups, role-based access control and secure Nepali cloud hosting to keep your data safe and compliant.
Yes — our team securely migrates your existing data and provides hands-on training for staff and board as part of onboarding.
Luniva fully supports Nepali (Bikram Sambat) dates, Nepali Unicode and bilingual reporting out of the box.
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Ready to modernize your cooperative?
Join 200+ cooperatives growing with Luniva. Book a free demo and see how fast you can go live.