1 00:00:00,500 --> 00:00:04,754 Welcome to Satya, Nepal's multi-bank loan marketplace. सत्यमा स्वागत छ, नेपालको बहु-बैंक कर्जा बजार। 2 00:00:07,050 --> 00:00:12,623 In this demo, we'll follow one personal loan from the first sign-in all the way to the payout. यस डेमोमा हामी एउटा व्यक्तिगत कर्जालाई पहिलो साइन इनदेखि भुक्तानीसम्म पछ्याउँछौँ। 3 00:00:12,839 --> 00:00:15,912 Along the way, we'll see everything a bank does. बीचमा, बैंकले गर्ने सबै काम पनि हेर्छौँ। 4 00:00:17,162 --> 00:00:18,821 We'll go in four parts. हामी चार भागमा हेर्नेछौँ। 5 00:00:18,841 --> 00:00:23,249 First, the borrower's journey, from signing in to sharing the application. पहिलो, साइन इनदेखि आवेदन साझा गर्नेसम्म ऋणीको यात्रा। 6 00:00:23,450 --> 00:00:28,101 Second, the bank's workspace, where the application is reviewed. दोस्रो, बैंकको कार्यक्षेत्र, जहाँ आवेदनको समीक्षा हुन्छ। 7 00:00:28,121 --> 00:00:29,921 Third, offers and the payout. तेस्रो, प्रस्ताव र भुक्तानी। 8 00:00:29,955 --> 00:00:33,065 And finally, how Satya is built for trust. र अन्त्यमा, सत्य भरोसाका लागि कसरी बनाइएको छ। 9 00:00:34,399 --> 00:00:35,571 Why does this matter? यो किन महत्त्वपूर्ण छ? 10 00:00:35,591 --> 00:00:44,651 Applying for a loan often means starting the same conversation again, at every bank: the same details, the same documents, the same plans. कर्जाका लागि आवेदन दिँदा प्रायः हरेक बैंकमा उही कुरा फेरि सुरुदेखि गर्नुपर्छ: उही विवरण, उही कागजात, उही योजना। 11 00:00:44,810 --> 00:00:49,246 With Satya, you prepare one application, and Satya reads your documents. सत्यमा, तपाईं एउटै आवेदन तयार गर्नुहुन्छ, र सत्यले तपाईंका कागजात पढ्छ। 12 00:00:49,266 --> 00:00:54,418 You choose where to share it, and you compare the offers you receive in one place. कहाँ पठाउने तपाईं रोज्नुहुन्छ, र आएका प्रस्तावहरू एकै ठाउँमा तुलना गर्नुहुन्छ। 13 00:00:56,268 --> 00:00:59,232 Satya works in English and in Nepali. सत्य अङ्ग्रेजी र नेपाली दुवैमा चल्छ। 14 00:00:59,435 --> 00:01:04,466 One tap switches the whole experience, from the first page to the application. एउटा ट्यापले पहिलो पृष्ठदेखि आवेदनसम्म पूरै अनुभव भाषा बदल्छ। 15 00:01:05,804 --> 00:01:07,145 Here's the idea. मूल कुरा यस्तो छ। 16 00:01:07,202 --> 00:01:12,857 A borrower prepares one application, checks every detail, and chooses which banks may see it. ऋणीले एउटै आवेदन तयार गर्छन्, हरेक विवरण जाँच्छन्, र कुन बैंकले हेर्न पाउने भनेर आफैँ रोज्छन्। 17 00:01:13,001 --> 00:01:15,905 The platform connects; each bank decides. मञ्चले जोड्छ; निर्णय हरेक बैंकले गर्छ। 18 00:01:17,539 --> 00:01:19,073 Part one: the borrower. पहिलो भाग: ऋणी। 19 00:01:19,093 --> 00:01:20,768 Meet Bikash Shrestha. बिकाश श्रेष्ठलाई भेटौँ। 20 00:01:20,788 --> 00:01:23,905 He wants five lakh rupees to improve his home. उहाँलाई घर सुधार्न पाँच लाख रुपैयाँ चाहिएको छ। 21 00:01:25,505 --> 00:01:27,189 It starts with his account. सुरुवात उहाँको खाताबाट हुन्छ। 22 00:01:29,155 --> 00:01:34,124 Bikash signs in with his Google account; there's no new password to remember. बिकाश आफ्नो गुगल खाताबाट साइन इन गर्नुहुन्छ; नयाँ पासवर्ड सम्झनु पर्दैन। 23 00:01:34,347 --> 00:01:40,894 Satya asks what he's here to do, a personal or a business workspace, and he sets up a personal one. सत्यले उहाँ के गर्न आउनुभएको हो भनेर सोध्छ, व्यक्तिगत वा व्यवसायिक कार्यक्षेत्र, र उहाँ व्यक्तिगत कार्यक्षेत्र तयार गर्नुहुन्छ। 24 00:01:42,854 --> 00:01:48,211 Before his first upload, Satya asks for permission to store and read his documents. पहिलो अपलोडअघि, सत्यले उहाँका कागजात सुरक्षित राख्न र पढ्न अनुमति माग्छ। 25 00:01:48,361 --> 00:01:53,808 It explains exactly what that means, and that it's separate from sharing anything with a bank. यसको अर्थ के हो, र यो बैंकसँग केही साझा गर्नेभन्दा अलग कुरा हो भनेर स्पष्ट बताउँछ। 26 00:01:55,513 --> 00:01:57,069 Next, his identity. त्यसपछि, उहाँको पहिचान। 27 00:01:59,163 --> 00:02:04,918 He uploads the front and back of his citizenship certificate, as a photo or a PDF. उहाँ नागरिकता प्रमाणपत्रको अगाडि र पछाडिको भाग फोटो वा PDF का रूपमा अपलोड गर्नुहुन्छ। 28 00:02:04,998 --> 00:02:07,644 He can use his phone or his computer. उहाँ फोन वा कम्प्युटर, जुनसुकै प्रयोग गर्न सक्नुहुन्छ। 29 00:02:07,839 --> 00:02:12,283 Each side shows its progress, and he can replace a file at any time. हरेक भागको प्रगति देखिन्छ, र उहाँ जुनसुकै बेला फाइल बदल्न सक्नुहुन्छ। 30 00:02:14,227 --> 00:02:17,787 Satya reads the certificate and fills in the details. सत्यले प्रमाणपत्र पढेर विवरण भर्छ। 31 00:02:17,947 --> 00:02:23,420 There's his name in English and in Nepali, his date of birth and his permanent address. अङ्ग्रेजी र नेपालीमा उहाँको नाम, जन्म मिति र स्थायी ठेगाना यहाँ छन्। 32 00:02:23,538 --> 00:02:28,785 He compares each one with the original, corrects anything that's off, and confirms. उहाँ हरेक विवरण सक्कलसँग दाँज्नुहुन्छ, नमिलेको कुरा सच्याउनुहुन्छ, र पुष्टि गर्नुहुन्छ। 33 00:02:30,635 --> 00:02:33,294 His National ID works the same way. राष्ट्रिय परिचयपत्र पनि यसरी नै काम गर्छ। 34 00:02:33,499 --> 00:02:40,478 He can use the card itself or the application copy, and the option he leaves selected is the one that counts. उहाँ कार्ड आफैँ वा आवेदनको प्रतिलिपि प्रयोग गर्न सक्नुहुन्छ, र अन्तिममा छानिएको विकल्प नै मान्य हुन्छ। 35 00:02:42,328 --> 00:02:45,737 When two documents disagree, Satya doesn't guess. दुई कागजातमा फरक विवरण भएमा सत्यले अनुमान गर्दैन। 36 00:02:45,910 --> 00:02:51,656 It flags the difference, here in his first name, and he reviews it before anything moves forward. यसले फरक देखाउँछ, यहाँ उहाँको पहिलो नाममा, र अगाडि बढ्नुअघि उहाँ त्यसलाई जाँच्नुहुन्छ। 37 00:02:53,616 --> 00:02:55,807 Everything lives in his workspace. सबै कुरा उहाँको कार्यक्षेत्रमा रहन्छ। 38 00:02:55,856 --> 00:02:58,781 He uploads, Satya reads, and he confirms. उहाँ अपलोड गर्नुहुन्छ, सत्यले पढ्छ, अनि उहाँ पुष्टि गर्नुहुन्छ। 39 00:02:58,801 --> 00:03:03,247 He stays in control of every correction, and of what gets shared. हरेक सुधार र के साझा गर्ने भन्ने कुराको नियन्त्रण उहाँकै हातमा रहन्छ। 40 00:03:05,203 --> 00:03:08,850 Over time, his workspace builds a profile he can reuse. समयसँगै उहाँको कार्यक्षेत्रले फेरि प्रयोग गर्न मिल्ने प्रोफाइल बनाउँछ। 41 00:03:08,992 --> 00:03:16,938 Identity, contact details, address, family, income, borrowing goals and collateral each have their own section. पहिचान, सम्पर्क विवरण, ठेगाना, परिवार, आय, कर्जाका लक्ष्य र धितो, हरेकको आफ्नै खण्ड छ। 42 00:03:18,880 --> 00:03:22,402 His documents page keeps every file in one place. कागजात पृष्ठमा हरेक फाइल एकै ठाउँमा रहन्छ। 43 00:03:22,593 --> 00:03:30,643 Files are grouped into identity, household, income and optional documents, ready for his next application too. फाइलहरू पहिचान, परिवार, आय र ऐच्छिक कागजातमा छुट्याइएका हुन्छन्, उहाँको अर्को आवेदनका लागि पनि तयार। 44 00:03:32,493 --> 00:03:34,707 Now he starts a personal loan. अब उहाँ व्यक्तिगत कर्जा सुरु गर्नुहुन्छ। 45 00:03:34,812 --> 00:03:41,253 Satya lists the extra documents it will need, and asks for his consent to prepare the application. सत्यले थप चाहिने कागजातको सूची देखाउँछ, र आवेदन तयार गर्न उहाँको सहमति माग्छ। 46 00:03:41,429 --> 00:03:43,849 Nothing is sent to a bank at this step. यो चरणमा बैंकलाई केही पनि पठाइँदैन। 47 00:03:45,536 --> 00:03:49,423 Then, a few questions about him, his family and his income. त्यसपछि, उहाँ, उहाँको परिवार र आयबारे केही प्रश्न। 48 00:03:50,863 --> 00:03:57,265 He confirms how he can be reached about his application: his mobile number and his email address. आवेदनबारे उहाँलाई कसरी सम्पर्क गर्ने भनेर उहाँ पुष्टि गर्नुहुन्छ: मोबाइल नम्बर र इमेल ठेगाना। 49 00:03:57,371 --> 00:04:00,347 Updates about his application come to this number. आवेदनबारेका सूचना यही नम्बरमा आउँछन्। 50 00:04:02,300 --> 00:04:07,236 He says what he does: employed, unemployed or studying, and what kind of work. उहाँ के काम गर्नुहुन्छ भनेर बताउनुहुन्छ: रोजगार, बेरोजगार वा विद्यार्थी, र कस्तो काम। 51 00:04:07,256 --> 00:04:12,401 That way, the application asks only for the income documents that fit. यसरी, आवेदनले मिल्ने आयका कागजात मात्र माग्छ। 52 00:04:14,356 --> 00:04:16,058 One question at a time. एक पटकमा एउटा प्रश्न। 53 00:04:16,159 --> 00:04:21,453 He's married, so Satya will ask for his marriage certificate, and nothing he doesn't need. उहाँ विवाहित हुनुहुन्छ, त्यसैले सत्यले विवाह दर्ता प्रमाणपत्र माग्छ, र नचाहिने केही पनि माग्दैन। 54 00:04:23,425 --> 00:04:31,839 Because he's married, the application asks for his family relationship certificate, the Nata Pramanit, and his marriage certificate. उहाँ विवाहित भएकाले आवेदनले नाता प्रमाणित र विवाह दर्ता प्रमाणपत्र माग्छ। 55 00:04:33,689 --> 00:04:37,554 He uploads his family relationship and marriage certificates. उहाँ नाता प्रमाणित र विवाह दर्ता प्रमाणपत्र अपलोड गर्नुहुन्छ। 56 00:04:37,698 --> 00:04:42,513 Satya reads the names, and he checks each family member before confirming. सत्यले नामहरू पढ्छ, र पुष्टि गर्नुअघि उहाँ परिवारका हरेक सदस्यको विवरण जाँच्नुहुन्छ। 57 00:04:44,465 --> 00:04:53,195 He confirms his current address from a proof of address: province, district, municipality and ward, each checked against the document. ठेगानाको प्रमाणबाट उहाँ आफ्नो हालको ठेगाना पुष्टि गर्नुहुन्छ: प्रदेश, जिल्ला, नगरपालिका र वडा, हरेक कागजातसँग दाँजेर। 58 00:04:55,134 --> 00:05:00,832 For his income, he uploads his income certificate and his tax deduction certificate. आयका लागि उहाँ आय प्रमाणपत्र र कर कट्टी (TDS) प्रमाणपत्र अपलोड गर्नुहुन्छ। 59 00:05:01,042 --> 00:05:04,246 Every source of income stays with its own document. आयको हरेक स्रोत आफ्नै कागजातसँग रहन्छ। 60 00:05:06,187 --> 00:05:11,837 Satya reads his monthly and total income, the tax deposited and his employer. सत्यले मासिक र कुल आय, जम्मा गरिएको कर र रोजगारदाता पढ्छ। 61 00:05:12,015 --> 00:05:13,801 Bikash confirms each value. बिकाश हरेक रकम पुष्टि गर्नुहुन्छ। 62 00:05:13,821 --> 00:05:19,913 The bank will later see exactly what he confirmed, right beside the documents themselves. पछि बैंकले उहाँले पुष्टि गरेको कुरा ठ्याक्कै कागजातसँगै देख्छ। 63 00:05:21,763 --> 00:05:23,946 He adds a recent bank statement. उहाँ हालको बैंक स्टेटमेन्ट थप्नुहुन्छ। 64 00:05:24,072 --> 00:05:29,946 Satya reads the account details and the statement summary, so nobody has to type them again. सत्यले खाताको विवरण र स्टेटमेन्टको सारांश पढ्छ, ताकि कसैले फेरि टाइप गर्नु नपरोस्। 65 00:05:31,899 --> 00:05:36,852 He declares any monthly debt payments, on loans, credit cards or anything else. उहाँ ऋण, क्रेडिट कार्ड वा अन्य कुनै मासिक किस्ता भए घोषणा गर्नुहुन्छ। 66 00:05:36,955 --> 00:05:38,377 Bikash has none. बिकाशको कुनै छैन। 67 00:05:40,078 --> 00:05:41,708 Now, the loan itself. अब, कर्जा आफैँ। 68 00:05:43,728 --> 00:05:45,745 He chooses what the loan is for. उहाँ कर्जा केका लागि हो भनेर रोज्नुहुन्छ। 69 00:05:45,909 --> 00:05:53,667 The choices include a home, land, education, healthcare, a vehicle, combining debts or a family milestone. विकल्पमा घर, जग्गा, शिक्षा, स्वास्थ्य, सवारी, ऋण एकीकरण वा पारिवारिक कार्य छन्। 70 00:05:53,820 --> 00:05:56,290 For Bikash, it's improving his home. बिकाशका लागि, यो घर सुधार हो। 71 00:05:58,237 --> 00:06:03,688 He asks for five lakh rupees, and picks a repayment period of thirty-six months. उहाँ पाँच लाख रुपैयाँ माग्नुहुन्छ, र छत्तीस महिनाको भुक्तानी अवधि रोज्नुहुन्छ। 72 00:06:03,840 --> 00:06:08,067 These are his preferences; each bank still makes its own assessment. यी उहाँका प्राथमिकता हुन्; हरेक बैंकले आफ्नै मूल्याङ्कन गर्छ। 73 00:06:10,016 --> 00:06:15,147 He can also say whether he's interested in other bank products, like a savings account. उहाँ बचत खाताजस्ता बैंकका अन्य सेवामा रुचि छ कि छैन भनेर बताउन सक्नुहुन्छ। 74 00:06:15,299 --> 00:06:18,552 He can say how he'd like to be contacted, too. कसरी सम्पर्क गर्ने भनेर पनि बताउन सक्नुहुन्छ। 75 00:06:18,664 --> 00:06:21,544 It's optional, and it doesn't affect his loan. यो ऐच्छिक हो, र यसले उहाँको कर्जामा असर गर्दैन। 76 00:06:23,480 --> 00:06:24,939 He's pledging land. उहाँ जग्गा धितो राख्दै हुनुहुन्छ। 77 00:06:25,055 --> 00:06:32,389 Satya lists what he'll need: his Lalpurja, a land revenue receipt, a blueprint and a four boundary certificate. सत्यले चाहिने कागजात बताउँछ: लालपुर्जा, मालपोत रसिद, नक्सा र चार किल्ला प्रमाणपत्र। 78 00:06:32,506 --> 00:06:36,958 Then it reads his Lalpurja: the plot, its area and its owner. त्यसपछि यसले उहाँको लालपुर्जा पढ्छ: कित्ता, क्षेत्रफल र धनी। 79 00:06:38,928 --> 00:06:47,577 The land revenue receipt, the Tiro Rasid, is read the same way: the tax paid, the government valuation and the receipt details. मालपोत रसिद, अर्थात् तिरो रसिद, पनि यसरी नै पढिन्छ: तिरेको कर, सरकारी मूल्याङ्कन र रसिदका विवरण। 80 00:06:49,427 --> 00:06:55,174 The blueprint and the four boundary certificate add the parcel, the survey sheet and the boundaries. नक्सा र चार किल्ला प्रमाणपत्रले कित्ता, नापी सिट र चार किल्ला थप्छन्। 81 00:06:55,332 --> 00:06:58,389 Bikash confirms each one before it's used. प्रयोग हुनुअघि बिकाश हरेक विवरण पुष्टि गर्नुहुन्छ। 82 00:07:00,081 --> 00:07:03,156 Finally, he checks everything before he shares it. अन्त्यमा, साझा गर्नुअघि उहाँ सबै कुरा जाँच्नुहुन्छ। 83 00:07:04,597 --> 00:07:13,963 The final review shows the whole application, section by section: identity, relationships, addresses, income, the loan and the collateral. अन्तिम समीक्षाले पूरै आवेदन खण्ड-खण्ड गरी देखाउँछ: पहिचान, नाता, ठेगाना, आय, कर्जा र धितो। 84 00:07:15,906 --> 00:07:21,925 Every value is marked as confirmed, so nothing reaches a bank that Bikash hasn't checked himself. हरेक विवरण पुष्टि भएको भनेर चिनो लगाइएको हुन्छ, त्यसैले बिकाश आफैँले नजाँचेको केही पनि बैंकसम्म पुग्दैन। 85 00:07:23,866 --> 00:07:28,715 He chooses where to send it: specific banks, or every eligible bank shown. आवेदन कहाँ पठाउने उहाँ आफैँ रोज्नुहुन्छ: केही बैंक मात्र, वा देखाइएका सबै योग्य बैंक। 86 00:07:30,674 --> 00:07:33,694 He confirms his declarations and submits. उहाँ आफ्ना घोषणा पुष्टि गरेर आवेदन पेश गर्नुहुन्छ। 87 00:07:33,857 --> 00:07:41,948 Satya sends this exact application and its documents only to the banks he selected, and keeps a snapshot of what was sent. सत्यले यही आवेदन र कागजात उहाँले छानेका बैंकलाई मात्र पठाउँछ, र के पठाइयो भन्ने अभिलेख सुरक्षित राख्छ। 88 00:07:43,603 --> 00:07:45,165 Part two: the bank. दोस्रो भाग: बैंक। 89 00:07:45,217 --> 00:07:49,777 Let's see what happens at Sample Bank when Bikash's application arrives. बिकाशको आवेदन आइपुग्दा नमुना बैंकमा के हुन्छ, हेरौँ। 90 00:07:51,377 --> 00:07:53,784 It starts in the bank's lending workspace. सुरुवात बैंकको कर्जा कार्यक्षेत्रबाट हुन्छ। 91 00:07:55,232 --> 00:07:58,625 The overview shows the bank's own pipeline at a glance. सिंहावलोकनले बैंकको आफ्नै पाइपलाइन एकै नजरमा देखाउँछ। 92 00:07:58,808 --> 00:08:06,745 There's the total amount requested, and how many applications are awaiting review, in review, or waiting on more information. माग गरिएको कुल रकम, र कति आवेदन समीक्षाको प्रतीक्षामा, समीक्षामा, वा थप जानकारीको पर्खाइमा छन् भन्ने देखिन्छ। 93 00:08:08,696 --> 00:08:13,659 Applications are grouped by purpose, and the next one to review is a click away. आवेदनहरू प्रयोजन अनुसार छुट्याइएका हुन्छन्, र समीक्षा गर्नुपर्ने अर्को आवेदन एक क्लिकमै खुल्छ। 94 00:08:13,851 --> 00:08:18,940 Here, it's Bikash's personal loan, with his income evidence to compare. यहाँ, त्यो बिकाशको व्यक्तिगत कर्जा हो, जसमा आयको प्रमाण दाँज्नुपर्छ। 95 00:08:20,880 --> 00:08:27,731 The applications list shows every case shared with this bank, with the amount, the product and the review status. आवेदन सूचीमा यो बैंकसँग साझा गरिएका सबै आवेदन रकम, उत्पादन र समीक्षाको स्थितिसहित देखिन्छन्। 96 00:08:27,989 --> 00:08:33,027 Saved views, like Needs Information, help the team pick up where it left off. 'थप जानकारी चाहिने' जस्ता सुरक्षित दृश्यले टोलीलाई छाडेकै ठाउँबाट काम सुरु गर्न मद्दत गर्छन्। 97 00:08:34,963 --> 00:08:40,028 Search finds any person, business or case reference across the bank's workspace. खोजले बैंकको कार्यक्षेत्रभरि कुनै पनि व्यक्ति, व्यवसाय वा आवेदन नम्बर भेट्टाउँछ। 98 00:08:41,713 --> 00:08:44,367 The underwriter opens Bikash's case. कर्जा विश्लेषकले बिकाशको आवेदन खोल्छन्। 99 00:08:45,717 --> 00:08:48,495 The case opens with the request at a glance. आवेदन खुल्दा माग एकै नजरमा देखिन्छ। 100 00:08:48,598 --> 00:08:54,984 It's five lakh rupees for home improvement, over thirty-six months, with his declared monthly income. यो घर सुधारका लागि छत्तीस महिनामा तिर्ने पाँच लाख रुपैयाँ हो, उहाँले घोषणा गरेको मासिक आयसहित। 101 00:08:55,004 --> 00:09:01,981 Satya highlights one thing to look at first, and a review checklist shows what's ready and what's still to do. सत्यले पहिले हेर्नुपर्ने एउटा कुरा देखाउँछ, र समीक्षा सूचीले के तयार छ र के गर्न बाँकी छ भनेर देखाउँछ। 102 00:09:03,917 --> 00:09:08,772 The Evidence tab compares what Bikash declared with what his documents show. प्रमाण ट्याबले बिकाशले घोषणा गरेको कुरालाई उहाँका कागजातले देखाएको कुरासँग दाँज्छ। 103 00:09:09,067 --> 00:09:15,339 His income needs checking against his bank statement, and the original source opens right in the case. उहाँको आय बैंक स्टेटमेन्टसँग दाँज्नुपर्ने छ, र सक्कल स्रोत आवेदनभित्रै खुल्छ। 104 00:09:17,189 --> 00:09:20,900 Every document he shared is in the case, grouped by type. उहाँले साझा गरेका सबै कागजात आवेदनभित्रै प्रकार अनुसार राखिएका हुन्छन्। 105 00:09:21,065 --> 00:09:24,972 The secure viewer shows the original beside the facts he confirmed. सुरक्षित भ्युअरले सक्कल कागजातलाई उहाँले पुष्टि गरेका विवरणसँगै देखाउँछ। 106 00:09:25,073 --> 00:09:29,208 It can zoom and rotate, and it watermarks every page. यसमा जुम गर्न र घुमाउन मिल्छ, र हरेक पानामा वाटरमार्क लाग्छ। 107 00:09:31,058 --> 00:09:34,366 The Collateral tab breaks his property documents down. धितो ट्याबले उहाँका जग्गाका कागजात खण्ड-खण्डमा देखाउँछ। 108 00:09:34,571 --> 00:09:41,741 There are the land plots, the owners, the location and the document details, each linked to the page it came from. जग्गाका कित्ता, धनी, स्थान र कागजातका विवरण, हरेक आफू आएको पानासँग जोडिएर। 109 00:09:43,690 --> 00:09:50,353 The activity log records what happened and when, from the package arriving to the customer's authorization. गतिविधि अभिलेखले प्याकेज आइपुगेदेखि ग्राहकको स्वीकृतिसम्म के कहिले भयो भनेर राख्छ। 110 00:09:50,576 --> 00:09:53,931 A private note keeps context for the bank's own team. निजी टिप्पणीले बैंककै टोलीका लागि सन्दर्भ सुरक्षित राख्छ। 111 00:09:55,624 --> 00:09:58,175 If something is missing, the bank asks. केही नपुगे बैंकले माग्छ। 112 00:09:59,607 --> 00:10:05,085 The underwriter describes what's needed, here, bank statements showing his salary credits. कर्जा विश्लेषकले के चाहिन्छ भनेर लेख्छन्, यहाँ तलब जम्मा भएको देखिने बैंक स्टेटमेन्ट। 113 00:10:05,301 --> 00:10:10,581 The request is tied to the submitted package, and Bikash sees it in his workspace. माग पेश गरिएको प्याकेजसँग जोडिएको हुन्छ, र बिकाशले यो आफ्नो कार्यक्षेत्रमा देख्नुहुन्छ। 114 00:10:12,181 --> 00:10:13,641 Then, the assessment. त्यसपछि, मूल्याङ्कन। 115 00:10:15,981 --> 00:10:22,315 Satya's risk insights bring four categories together into one score, and show the figures behind it. सत्यको जोखिम विश्लेषणले चार वर्गलाई एउटै स्कोरमा ल्याउँछ, र त्यसका आधार देखाउँछ। 116 00:10:22,490 --> 00:10:24,607 The bank can set its own weights. बैंकले आफ्नै भार तोक्न सक्छ। 117 00:10:24,679 --> 00:10:28,318 A score supports the review; it is not a loan approval. स्कोर समीक्षाको सहयोगी हो, कर्जा स्वीकृति होइन। 118 00:10:30,277 --> 00:10:36,343 When the underwriter starts the review, the case moves into review, and the activity log records it. कर्जा विश्लेषकले समीक्षा सुरु गर्दा आवेदन समीक्षामा पुग्छ, र गतिविधि अभिलेखले त्यो दर्ता गर्छ। 119 00:10:38,030 --> 00:10:40,074 And the decision stays with the bank. र निर्णय बैंककै हातमा रहन्छ। 120 00:10:41,680 --> 00:10:49,184 In the offer decision workspace, the bank moves from preparing an offer to reviewing, issuing and the borrower's response. प्रस्ताव निर्णय कार्यक्षेत्रमा बैंक प्रस्ताव तयार गर्नेदेखि समीक्षा, जारी र ऋणीको प्रतिक्रियासम्म पुग्छ। 121 00:10:49,365 --> 00:10:53,619 It can approve the request as asked, or propose different terms. यसले माग अनुसार नै स्वीकृत गर्न, वा फरक सर्त प्रस्ताव गर्न सक्छ। 122 00:10:55,549 --> 00:11:03,061 It sets the amount, the annual rate, the tenure and repayment frequency, an expiry date and any processing fee. यसले रकम, वार्षिक ब्याजदर, अवधि र किस्ताको आवृत्ति, म्याद सकिने मिति र कुनै सेवा शुल्क तोक्छ। 123 00:11:03,255 --> 00:11:06,105 It can add a message in English and Nepali. यसले अङ्ग्रेजी र नेपालीमा सन्देश पनि थप्न सक्छ। 124 00:11:06,284 --> 00:11:11,239 A live calculation previews the monthly installment and the total repayable. प्रत्यक्ष हिसाबले मासिक किस्ता र जम्मा तिर्नुपर्ने रकम देखाउँछ। 125 00:11:13,194 --> 00:11:16,952 Before anything is sent, the bank reviews the exact terms. केही पठाउनुअघि बैंकले ठ्याक्कै सर्तहरू समीक्षा गर्छ। 126 00:11:17,074 --> 00:11:23,254 If it proposes something different from the request, the screen says so, and the message explains why. माग भन्दा फरक प्रस्ताव गरेमा स्क्रिनले त्यो देखाउँछ, र सन्देशले कारण बताउँछ। 127 00:11:25,207 --> 00:11:30,974 Once the offer is issued, the bank can see when the borrower has viewed it, and withdraw it if needed. प्रस्ताव जारी भएपछि ऋणीले कहिले हेरे भनेर बैंकले देख्न सक्छ, र आवश्यक भए फिर्ता लिन सक्छ। 128 00:11:31,192 --> 00:11:35,925 When the borrower accepts, the offer is locked and can no longer be changed. ऋणीले स्वीकार गरेपछि प्रस्ताव लक हुन्छ र त्यसलाई बदल्न मिल्दैन। 129 00:11:37,775 --> 00:11:46,234 After acceptance, the bank can prepare draft loan documents, like the loan deed and a personal guarantee, prefilled from the application. स्वीकृतिपछि बैंकले आवेदनबाट भरिएका कर्जा कागजातका मस्यौदा, जस्तै तमसुक र व्यक्तिगत जमानी, तयार गर्न सक्छ। 130 00:11:46,499 --> 00:11:50,002 Drafts are for the bank's own review, not for signing. मस्यौदा बैंककै समीक्षाका लागि हुन्, हस्ताक्षरका लागि होइनन्। 131 00:11:51,943 --> 00:11:54,478 And the bank can see how its team is doing. र बैंकले आफ्नो टोलीको काम कस्तो छ भनेर हेर्न सक्छ। 132 00:11:54,662 --> 00:12:01,714 There are first response times, cases responded to and what's still waiting, for each reviewer and the whole team. पहिलो प्रतिक्रियाको समय, जवाफ दिइएका आवेदन र अझै पर्खिरहेका आवेदन, हरेक समीक्षक र पूरै टोलीका लागि देखिन्छन्। 133 00:12:03,358 --> 00:12:05,433 Part three: back to Bikash. तेस्रो भाग: फेरि बिकाशतिर। 134 00:12:08,158 --> 00:12:12,745 When banks respond with offers, they come back to one place in his workspace. बैंकहरूले प्रस्ताव पठाएमा, ती उहाँको कार्यक्षेत्रमा एकै ठाउँमा आउँछन्। 135 00:12:12,910 --> 00:12:16,656 Each shows its amount, interest rate and how long it's valid. हरेकमा रकम, ब्याजदर र म्याद देखिन्छ। 136 00:12:18,614 --> 00:12:24,141 He looks beyond the rate, compares the full terms, and chooses the offer that's best for him. उहाँ ब्याजदर मात्र होइन, पूरा सर्तहरू तुलना गर्नुहुन्छ, र आफूलाई सबैभन्दा उपयुक्त प्रस्ताव रोज्नुहुन्छ। 137 00:12:26,214 --> 00:12:33,970 Opening an offer shows its exact terms: the offered amount, how long it's valid, the rate, the tenure and the security. प्रस्ताव खोल्दा यसका ठ्याक्कै सर्त देखिन्छन्: प्रस्ताव गरिएको रकम, कहिलेसम्म मान्य, ब्याजदर, अवधि र धितो। 138 00:12:34,228 --> 00:12:39,298 Before responding, he reads the bank's declarations and what accepting will mean. जवाफ दिनुअघि उहाँ बैंकका घोषणा र स्वीकार गर्नुको अर्थ पढ्नुहुन्छ। 139 00:12:41,235 --> 00:12:46,521 Accepting is a deliberate step: he confirms he has reviewed the exact terms. स्वीकार गर्नु सोचेर चालिने कदम हो: उहाँ ठ्याक्कै सर्त हेरेको पुष्टि गर्नुहुन्छ। 140 00:12:46,656 --> 00:12:52,273 His acceptance is recorded against that exact offer, and competing offers are closed. उहाँको स्वीकृति त्यही प्रस्तावसँग दर्ता हुन्छ, र अन्य प्रस्ताव बन्द हुन्छन्। 141 00:12:53,623 --> 00:12:58,282 His chosen bank then guides him through the remaining paperwork, directly. त्यसपछि उहाँले रोजेको बैंकले बाँकी कागजी प्रक्रियामा सिधै मार्गदर्शन गर्छ। 142 00:13:00,239 --> 00:13:06,502 Once its conditions are met, the bank pays out the loan, and Bikash receives the amount as agreed. सर्तहरू पूरा भएपछि बैंकले कर्जा भुक्तानी गर्छ, र बिकाशले सहमति अनुसारको रकम पाउनुहुन्छ। 143 00:13:06,731 --> 00:13:11,000 The bank handles the payment; Satya does not transfer funds. भुक्तानी बैंकले गर्छ; सत्यले रकम पठाउँदैन। 144 00:13:12,550 --> 00:13:15,292 Finally, how Satya is built for trust. अन्त्यमा, सत्य भरोसाका लागि कसरी बनाइएको छ। 145 00:13:16,750 --> 00:13:18,478 Consent is on record. सहमतिको अभिलेख रहन्छ। 146 00:13:18,556 --> 00:13:24,945 Every submission is preserved exactly as it was sent, and each bank's access is separate and audited. हरेक पेश गरिएको आवेदन पठाइएकै रूपमा सुरक्षित रहन्छ, र हरेक बैंकको पहुँच छुट्टै र अडिट हुने गरी राखिन्छ। 147 00:13:25,163 --> 00:13:29,498 Satya is a marketplace, not a bank, and it does not move money. सत्य बैंक होइन, कर्जा बजार हो, र यसले रकमको कारोबार गर्दैन। 148 00:13:29,672 --> 00:13:34,828 Participating banks keep their lending decisions and regulatory responsibilities. कर्जाको निर्णय र नियामकीय जिम्मेवारी सहभागी बैंकहरूमै रहन्छ। 149 00:13:36,078 --> 00:13:41,424 For banks and financial institutions, Satya is a new channel for your lending team. बैंक तथा वित्तीय संस्थाहरूका लागि, सत्य तपाईंको कर्जा टोलीका लागि नयाँ माध्यम हो। 150 00:13:41,738 --> 00:13:49,893 Applications arrive organized, you can follow up on what's missing, and you keep control of pricing, conditions and approval. आवेदनहरू व्यवस्थित रूपमा आउँछन्, अपुग कुरा माग्न सकिन्छ, र मूल्य, सर्त र स्वीकृतिको नियन्त्रण तपाईंकै हातमा रहन्छ। 151 00:13:51,225 --> 00:13:58,371 Behind every loan is a life moving forward: a home improvement, a family vehicle, a personal goal. हरेक कर्जासँगै अगाडि बढ्छ एउटा जीवन: घर सुधार, परिवारका लागि सवारी, वा व्यक्तिगत लक्ष्य। 152 00:13:58,683 --> 00:14:04,573 Less repetition and clearer choices help more people take that step with a licensed lender. कम दोहोरोपन र स्पष्ट विकल्पले धेरै मानिसलाई इजाजतप्राप्त ऋणदातासँग त्यो कदम चाल्न मद्दत गर्छ। 153 00:14:04,735 --> 00:14:08,450 And Satya is built for Nepal's documents and language. र सत्य नेपालका कागजात र भाषाका लागि बनेको छ। 154 00:14:09,700 --> 00:14:12,334 So that's Satya, from start to payout. सुरुदेखि भुक्तानीसम्म, यही हो सत्य। 155 00:14:12,399 --> 00:14:16,457 Documents are read for the borrower and confirmed by the borrower. कागजात ऋणीका लागि पढिन्छन्, र ऋणीले नै पुष्टि गर्छन्। 156 00:14:16,635 --> 00:14:20,611 The application is shared only with the banks the borrower chooses. आवेदन ऋणीले रोजेका बैंकसँग मात्र साझा हुन्छ। 157 00:14:20,686 --> 00:14:24,602 Banks review organized cases and make their own decisions. बैंकहरूले व्यवस्थित आवेदनको समीक्षा गरेर आफ्नै निर्णय गर्छन्। 158 00:14:24,747 --> 00:14:28,567 Offers come back to one place, all the way to the payout. प्रस्तावहरू भुक्तानीसम्मै एकै ठाउँमा आउँछन्। 159 00:14:30,217 --> 00:14:30,552 Satya. सत्य। 160 00:14:30,572 --> 00:14:32,077 One application. एउटै आवेदन। 161 00:14:32,097 --> 00:14:33,128 Multiple banks. धेरै बैंक। 162 00:14:33,148 --> 00:14:34,855 Better possibilities. अझ राम्रा सम्भावना। 163 00:14:36,717 --> 00:14:41,923 Start your application, or partner with Satya, at satyafinancial.com. आफ्नो आवेदन सुरु गर्नुहोस्, वा सत्यसँग साझेदारी गर्नुहोस्: satyafinancial.com 164 00:14:44,817 --> 00:14:47,446 Scan the code to stay in touch with Satya. सत्यसँग सम्पर्कमा रहन कोड स्क्यान गर्नुहोस्। 165 00:14:47,466 --> 00:14:48,866 It takes about a minute. करिब एक मिनेट लाग्छ।