About Unnati
Unnati means progress
We are a digital education-finance platform operated by Xenextech. We take learners from admission offer to a funded seat, with an NRB-licensed lender making every credit decision.
Stakeholders
One route. Every player connected.
Unnati coordinates. The college verifies. The licensed lender decides. Everyone sees the same route.
Learners
Borrower
Apply once online, upload documents, give consent and see your repayment before you commit. Checking costs nothing and does not touch your credit score.
Check my eligibility
Families
Co-borrower
Parents join through a secure link, see every instalment, interest charge and fee upfront, and consent online. The money goes to the college, not through the household.
Partner colleges
Institution
Verify admissions online, receive fees routed straight from the lender, and fill seats with learners who would otherwise drop out at the fee deadline.
Partner with us
Licensed lenders
Credit decision
Receive complete, consented and college-verified applications. You assess under your NRB licence, set the terms and make every credit decision.
Skilling providers
Institution
CTEVT, TVET and job-ready training providers reach learners who need finance for practical courses, a stated priority in Monetary Policy 2025/26.
Development partners
Collaborator
Work with us on financial literacy, women learners and first-time borrowers, measured by completion and repayment rather than loan volume.
Our vision
No learner in Nepal loses a seat over a fee deadline- Every first loan builds a credit history
- Practical education within reach of every family
Our mission
- Connect learners, families, colleges and lenders on one route
- Show every cost before consent
- Route every fee straight to the institution
Why it matters
- Collateral is the main barrier to formal credit
- Monetary Policy 2025/26 backs practical education
- Completion and repayment matter more than volume
Policy direction
Built on Nepal's policy direction
Monetary Policy 2025/26
Para 103 enables score-based lending. Annex 2, pt 94 backs loans for vocational, medicine, engineering, IT and accounting studies.
Budget 2083/84
Announces personal credit scoring, the base for first-time borrowers to build a history.
NRB Regulatory Sandbox Guidelines
14 May 2026. Fintech plus licensed lender is the partnership route Unnati follows.
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.
