Education financing for a brighter Nepal
तपाईंको अध्ययन
र सीप, अबउन्नतिको बाटोमा।
सपना ठूलो छ भने, आर्थिक अभावले त्यसलाई रोक्न नदिनुहोस्। तपाईंको मेहनत र उन्नतिको साथ, भविष्य अब तपाईंकै हातमा।
Fund Your Future.
Free to check. No effect on your credit score.
Who we are
Your whole loan, in your pocket
Unnati means progress. We are a digital education-finance platform that takes you from admission offer to a funded seat, with an NRB-licensed lender making every credit decision. Apply, upload, consent and track it all from your phone.
Live
Testing with early users
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Partner colleges
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NRB-licensed lender
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Steps from offer to funded seat
0
Effect on your credit score to check
0%
Of fees paid straight to the college
Operated by
Xenextech
Namaste,
Aasha
BSc Nursing · Year 1
Rs 3,50,000
EMI shown before you consent
Step 3 of 4 · Lender review
Application track
- Application sent
- College verified
- Lender review
- Fee to college
College verifiedAdmission confirmed
Fee sent to collegeStraight from the lenderHow it works
From admission offer to funded seat
1. Admission offer
You secure a seat and get a fee deadline. That offer letter is your starting point.
Namaste,
Aasha
Step 1
Your admission offer
BSc Nursing · Year 1
Rs 3,50,000
First-year fee on your offer letter
Fee deadline in 14 days
What we offer
Built for the entire education ecosystem
One platform. Everyone moves forward.
For students
- Mentorship
- Higher education
- Skill courses
- Reskilling and upskilling
For educational institutions
- Attract more students
- Improve access to education
- Grow your impact
For financial institutions
- Education-focused borrowers
- College-verified applications
- A trusted, tech-enabled ecosystem
For development partners
- Back reskilling and TVET access
- Reach women and first-time borrowers
- Outcomes tracked by completion and repayment
Our impact and growth
Built for the learners Nepal's credit leaves out
Women now fill most of Nepal's higher-education classrooms, and returning workers need new skills. Few of either hold the collateral a bank asks for. These are the numbers Unnati is built to move.
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Higher-education enrolments in 2026
Kathmandu Post
0.0%
Of higher-education students are women
UGC, 2023/24
0
CTEVT diploma seats left empty
Ratopati, 2083 BS
0.00%
Of adults hold a loan without collateral
NRB, 2022
Women in higher education
56.6%
women
Women lead Nepal's classrooms. Unnati's route starts from the admission offer, not from property in her name.
- Women (56.6%)
- Men (43.4%)
UGC, Higher Education Report 2023/24
The reskilling gap
Skill courses, reskilling and upskilling get the same financed route as a degree.
Ratopati, 2083 BS · DoFE and FEB, 2025
Where household loans come from
42.5%
from relatives
- Relatives (42.5%)
- Banks (22.4%)
- Other (35.1%)
NSO, NLSS IV
Women and inclusion
- 56.6%
Higher-education students who are women
UGC, 2023/24
- 35.7%
Bank accounts held by women
Financial Access in Nepal, 2021
- 23.8%
Households with land or a house in a woman's name
Census, 2021
Reskilling and upskilling
- 2.9%
Outbound workers who received skills training
DoFE and FEB, 2025
- 39%
Outbound workers not classed as skilled
DoFE, 2024/25
- 25.8%
CTEVT diploma seats left empty
Ratopati, 2083 BS
Access to credit
- 42.5%
Household loans that come from relatives
NSO, NLSS IV
- 17.6%
Adults who have ever used a bank loan
NRB, 2022
- 15.8%
Remittance now spent repaying loans
NLSS analysis, 2025
Every path after Grade 12
For learners aged 18+ who have finished Grade 12 or equivalent
Universities
Degree programmes
Health academies
Health science and medicine
CTEVT / TVET
Diploma and pre-diploma
Skilling providers
Job-ready courses
SDG and strategic alignment
Measured by completion and repayment, not loan volume alone.
Partnerships in impact
One route connects everyone who moves a learner forward.
Colleges and universitiesCTEVT and skilling providersLicensed lendersFamilies
Employers
Our approach
Finance tied to a real seat
Unnati links your loan to a verified seat at a real institution, so you and your family can borrow with confidence.
Namaste,
Aasha
BSc Nursing · Year 1
Rs 3,50,000
EMI shown before you consent
Step 3 of 4 · Lender review
Application track
- Application sent
- College verified
- Lender review
- Fee to college
The Unnati formula
=
Lower risk for first-time borrowersRepayment shown before anyone commitsFees reach the college, not the householdSuccess measured by completion, not loan count“तपाईंको अध्ययन र सीप, अब उन्नतिको बाटोमा।”The admission race
You got in. Now, how will you pay the fee?
Your student card
- Grade 12 result
- Programme offer
Fee due in 14 days- Household income band
Seat at riskMost families cannot cover a full year's fee from savings in 14 days. Paying part of it rarely holds the seat.
Your seat is waiting
Fund YourFuture.
Got an admission offer and a fee deadline? Check your eligibility in a few minutes. It is free and does not touch your credit score.
