I Pay Pvt. Ltd. (e-dheba)

About e-dheba

e-dheba is a digital financial services platform in Nepal that combines financial, payment, remittance, and everyday lifestyle services within a single SuperApp. The platform is designed to simplify digital transactions by enabling users to manage their finances, make payments, access financial services, and use a wide range of on-demand services from one application.

A distinguishing feature of e-dheba is that it provides interest on the balance maintained in eligible user accounts, helping customers earn returns while using digital financial services.

Digital Financial Services

e-dheba delivers its services through four core pillars:

1. Savings and Credit Services

Through its sister concern Imperial Savings and Credit Cooperative Ltd. and its partner Citizen Bank International Ltd., e-dheba offers a range of digital financial solutions, including:

• Digital savings accounts

• Interest on eligible account balances

• Online credit facilities for purchasing products through EMI

• Micro loans

• Insurance-related services

These services enable users to access savings, credit, and financial products conveniently through digital channels.

2. Remittance Services

e-dheba provides international remittance services through its sister concern Lalit Money Transfer Pvt. Ltd. Users can currently receive remittances from countries within the European Union (EU), making cross-border money transfers more accessible and convenient.

3. Digital Payment Services

Following its merger with iPay Pvt. Ltd., e-dheba expanded its payment ecosystem to support a broad range of digital payment services.

Users can make payments for:

• Mobile recharge

• Internet services

• Telephone bills

• Television subscriptions

• Electricity bills

• School fees

• Airline tickets

• Water bills

• Bus ticketing

• Other utility and everyday payments

The integrated payment platform allows users to manage multiple payment needs through a single digital wallet.

4. SuperApp Services

Beyond financial services, e-dheba operates as a SuperApp by offering a wide range of everyday digital services in one platform.

These include:

• Taxi booking

• Two-wheeler ride-sharing

• Food ordering from restaurants

• Grocery delivery

• Home services provided by plumbers, carpenters, masons, electricians, home tutors, and other professionals

In total, the platform offers access to more than 50 services, enabling users to complete everyday tasks conveniently through a single application.

One Platform for Everyday Digital Services

By combining digital banking-related services, payments, remittances, credit facilities, and lifestyle services, e-dheba provides users with a unified digital experience. Its integrated approach reduces the need to switch between multiple applications for everyday financial transactions and essential services.

Whether users want to manage savings, pay utility bills, receive remittances, purchase products through EMI, book transportation, order food, or access home services, e-dheba brings these capabilities together within one digital platform.