The future of Credit Card& EMI management
Automate transactions, streamline EMI processing, manage loans and accelerate recoveries all in one secure platform from Subhu Software ICE.
Trusted by financial teams across industries
16+
Years of trusted service
2,000+
Users served across Nepal
6
Industry-specific products
24/7
Secure data access
Key Features
Everything you need to manage credit, end-to-end
From cardholder onboarding to settlement purpose-built modules that work together.
API Integration
Secure integration with banking systems and third-party apps.
Credit Card & EMI Data
Manage cardholder data, transactions and EMI details in one place.
Payment Reminders
Send timely notifications for installments and account updates.
Detailed Interface
View credit limits, history and charges at a glance.
Loans Tracking
Track loan types, schedules, principal amounts and recoveries.
Merchant Integration
Import merchants, manage agreements and auto-calculate commissions.
Full & Partial Settlement
Effective management of full or partial credit settlements.
Cardholder Import
Mass-import cardholder information and transaction history.
Regulatory Compliance
Meets financial and data security standards out of the box.
Why SubhuCredit
Built for clarity. Engineered for recovery.
Genuine business growth stems from financial clarity and operational transparency. SubhuCredit gives your team the tools to act faster, recover more and stay compliant.
Efficiency & Automation
Automates manual work and saves hours every day.
Effective Collections
Smart reminders and follow-ups boost recoveries.
Seamless Integration
Plug into your existing core banking with secure APIs.
Enhanced Experience
Real-time access improves transparency for everyone.
98%
Recovery accuracy
3×
Faster settlements
60%
Less manual work
100%
Audit-ready logs
Platform preview
A single workspace for every credit decision
From issuing a new card to closing a settlement, your team works inside one focused interface beautifully designed, fast, and built to keep regulators happy.
- Real-time portfolio analytics
- Drill-down customer view
- Automated EMI schedules
- One-click reconciliation
Our Product Suite
Industry-specific software, one trusted partner
AIMS
Account & Inventory
POS
Point of Sales
HMS
Hospital Management
Vehicle MS
Fleet & Logistics
Pharma
Pharmacy Management
ERP
Enterprise Suite
Restro
Restaurant Management
Voices of trust
Loved by finance teams across Nepal
Real stories from CFOs, operations leads and IT teams using SubhuCredit.
“SubhuCredit completely transformed how we manage EMIs. The automated reminders and intelligent follow-ups cut our recovery workload by more than half, and our collection efficiency jumped from 78% to 96% within the first quarter.”
+18%
Recovery rate
Anil Shrestha
Chief Financial Officer
Capital Finance Ltd.
“The unified dashboard finally gives us one source of truth across credit cards, loans, and settlements. Our team no longer juggles four different tools everything from cardholder data to compliance logs lives in one place.”
4→1
Tools consolidated
Pooja Adhikari
Head of Operations
City Bank Nepal
“Integration with our core banking system was genuinely painless. Subhu's engineers understood our compliance and security needs from day one, and we were live in production within three weeks.”
3 weeks
To go live
Manish Budhathoki
IT Lead
FinHub Capital
Let's build the future of finance together.
Get a personalised walkthrough of SubhuCredit. We'll show you exactly how much time and money your team can save.