How to Get a 10 Lakh Loan (Without Collateral)

Meet Santosh Tamrakar, Managing Director of IMS SOFTWARE PRIVATE LIMITED A Nepali entrepreneur who turned a billing and inventory tool into one of the country's key players in digital lending and financial infrastructure. In this episode of The Doers, Santosh shares his journey building IMS Software from the ground up from the early grind of selling billing systems banks and businesses didn't think they needed, to developing KBL IMS Digital Lending, MSME credit tools, and dynamic QR systems that now power everyday transactions. We explore the invisible discipline behind fintech infrastructure, the trust battles behind data-sharing and lending decisions, and what it really takes to build something the market doesn't know it needs yet. Whether you're a founder, a tech enthusiast, or someone who's ever taken out a loan through an app without a second thought, this conversation pulls back the curtain on the unglamorous engineering behind Nepal's financial systems. TIMESTAMP 00:00 Beginning 01:21 Introduction 01:58 Loan Without Collateral Through IMS 03:57 Apply Through Kumari Bank and Get a Loan in Seconds 08:12 Keep Your Billing Software Data Accurate to Qualify for a Loan 09:05 What Is Dual Accounting? 11:12 The Evolution of IMS Software 16:00 The 2008 Deal That Changed Everything: Bhatbhateni 18:15 Is IMS a Fintech Company? 21:20 Why Nepal Rastra Bank Was So Supportive 24:33 How Does IMS Make Money? 27:15 The Biggest Challenge: Access to Finance 29:10 The Most Innovative Product in IMS's 26-Year History 34:13 The Clear Vision Behind IMS 37:18 Reaching 11,000 Active Customers 39:05 Helping Small and Medium Businesses Grow 44:05 Why Constant Innovation Is Essential 44:20 More Revenue from Lending Means Lower Software Costs 47:35 IMS in One Sentence 49:17 BBSM Global IME Club Credit Card 56:29 Changes in Nepal's Banking Ecosystem 59:04 Why Great Salespeople Are Hard to Find 1:03:00 How I Proved Myself 1:07:05 Every Missed Call Is a Missed Opportunity 1:10:23 Every Entrepreneur Is a Salesperson 1:12:20 Don't Be Penny Wise, Pound Foolish 1:12:38 What Excites You Most About Nepal's Future? 1:15:13 Message to the Younger Generation 1:18:29 The Future Doesn't Have to Be Bank-Funded Alone ___________________________________________________________________________________________________ Want to become a video podcaster? Get info: https://becomeadoer.com/programs/beco... If you love reading, don't miss our newsletter on Substack Link: https://substack.com/@doersglobal? Want to join us live in the studio as an audience member? Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8 ✉ Reach out to us at [email protected] 🎧 Listen on audio platforms: https://www.podbean.com/eas/pb-32f7s-... 🎤 Host: Anup Ghimire Founder of The Doers LinkedIn:   / anup-ghimire-9366aa5a   👥 Guest: Santosh Tamrakar Managing Director, IMS SOFTWARE PRIVATE LIMITED Linkedin:   / santosh-tamrakar-46837b45   📲 Follow The Doers Nepal: Instagram: /   / thedoersglobal   Facebook: /   / thedoersnepal   🎬 Production Partner: Viewfinders Production Instagram: / https://www.instagram.com/viewfinders... This episode is brought to you by Become a Doer Instagram:   / becomeadoer_   Facebook:   / becomeadoer2026   Website: https://becomeadoer.com/programs/beco... This episode is strengthened by Hama Steels Facebook:   / hamaironandsteel   Instagram:   / hamasteel   Our ISP Partner: Vianet Communication Pvt. Ltd. Need help building a high-quality podcast? They’ve got you covered – from set design and shooting to post-production and guest curation. 📸 Wedding Dreams Nepal Instagram: /weddingdreamsnepal Website: https://weddingdreamsnepal.com 📞 Call: +977 9813657889 #thedoersnepal #nepalientrepreneur #digitallending #imssoftware #nepalstartups #businesspodcast #technology #innovationnepal #techinnepal #billingsoftware #DynamicQR #thedoers #NepalPodcast