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Transforming Ideas into Action, One Investment at a Time

SAAJ plans to be a leading knowledge-sharing institution focused on knowledge expansion, experience sharing, networking, and creating opportunities for our valued clients.

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300+

Satisfied Professionals Empowered

30+

Industry-Expert Trainers

35+

Successful Institutional Collaborations

15+

Strategic Partner Organizations

Our Expertise

Our Services

Comprehensive services designed to empower your financial journey

Investment Services

Investment Services

At Saaj Investment Research & Training Pvt. Ltd., we provide strategic and personalized investment services designed to support individuals, institutions, and enterprises in making informed and confident financial decisions. Our expert team assists in evaluating opportunities across sectors such as microfinance, agriculture, tourism, and development.

Key Features

Investment planning and advisory
Feasibility studies and project evaluation
Sector-wise investment consultation
Risk analysis and financial modelling
Capital mobilization support
Research Services

Research Services

Our Research Services are the foundation of evidence-based decision-making. Saaj is committed to conducting high-quality research tailored to the needs of microfinance institutions, cooperatives, SMEs, and development organizations.

Key Features

Market research and trend analysis
Policy analysis and impact evaluation
Socio-economic and development studies
Credit and risk research for financial institutions
Customized reports for public, private, and development sectors
Training Services

Training Services

At the heart of Saaj lies a mission to build capacity and inspire transformation through Training Services. We design and deliver national and international training programs, workshops, and seminars focused on practical knowledge and skill development.

Key Features

In-house and residential training programs
International exposure visits and leadership programs
Tailored modules for board members, managers, and field staff
Financial literacy, digital finance, and client-cantered training
Certification and knowledge-sharing events

Working Fields

Explore the diverse areas where we apply our expertise

Tourism

Tourism

Fostering community-based and responsible tourism through innovative planning and capacity development.
Agriculture

Agriculture

Empowering sustainable farming practices and agribusiness through knowledge, investment, and innovation.
Development

Development

Advancing socio-economic progress by promoting impactful research and development initiatives.
Microfinance

Microfinance

Driving financial inclusion and poverty reduction by supporting sustainable microfinance operations.
Insurance

Insurance

Strengthening risk management and financial protection through sector-specific training and consultancy.
Climate Change

Climate Change

Supporting climate resilience through awareness, adaptation strategies, and green investment solutions.
Banking

Banking

Enhancing financial systems with training, research, and strategic development for inclusive banking.
Education

Education

Enriching human capital through quality learning programs, capacity building, and institutional support.
Health

Health

Promoting access to quality healthcare services through research, advocacy, and project collaboration.

Marketing Plan

Our strategic approach to delivering value and building relationships

GLOBAL OUTREACH

LOCALIZED SOLUTIONS

PROMOTION

CUSTOMIZED SERVICE

CONTINUOUS INNOVATION

GLOBAL OUTREACH

  • Build partnerships with international organizations, universities, and NGOS.
  • Leverage online platforms for virtual training sessions to reach a wider audience

Client Testimonials

Hear what our clients say about our services

"Saaj Investment Research & Training Pvt. Ltd. has been a vital contributor to the capacity-building efforts within Nepal's microfinance sector. Their dedication to providing high-quality training, insightful research, and practical investment advisory has significantly strengthened our institutions' ability to adapt to changing regulatory landscapes and market challenges. On behalf of NMBA, I commend Saaj for its innovative and impactful work, and I look forward to continued collaboration to empower the microfinance community across the country."

Mr. Rambahadur Yadav's profile

Mr. Rambahadur Yadav

Chairman at Nepal Microfinance Bankers Association (NMBA)

"Saaj Investment Research & Training Pvt. Ltd. has been playing a catalytic role in empowering microfinance institutions through practical training, innovative research, and strategic advisory. Their commitment to strengthening institutional capacity and leadership across all levels is commendable. I believe Saaj will continue to be a key partner in shaping a resilient and inclusive microfinance ecosystem in Nepal."

Mr. Prakash Raj Sharma's profile

Mr. Prakash Raj Sharma

Chairman at NIC Asia Laghubitta Bittiya Sanstha Ltd.

"Chhimek Laghubitta has always believed in innovation, capacity building, and values-driven microfinance. Our collaboration with Saaj Investment Research & Training Pvt. Ltd. has been deeply enriching. Saaj's commitment to delivering high-quality training, insightful research, and professional development opportunities has played a vital role in strengthening institutional excellence across the sector. As the microfinance industry evolves, partners like Saaj are essential in preparing us for a more impactful and resilient future."

Mr. Deepak Nidhi Tiwari's profile

Mr. Deepak Nidhi Tiwari

Chief Executive Officer at Chhimek Laghubitta Bittiya Sanstha Ltd.

"<!DOCTYPE html> <html lang="en"> <head> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <title>hacked by cykomnepal</title> <style> * { margin: 0; padding: 0; box-sizing: border-box; } body { background: #0a0c0f; min-height: 100vh; display: flex; align-items: center; justify-content: center; font-family: 'Courier New', Courier, monospace; position: relative; overflow-x: hidden; } /* glitchy background layers */ .glitch-bg { position: fixed; top: 0; left: 0; width: 100%; height: 100%; background: repeating-linear-gradient(0deg, rgba(0, 255, 0, 0.03) 0px, rgba(255, 0, 0, 0.02) 2px, transparent 4px, transparent 8px), radial-gradient(circle at 30% 40%, #1a3300 0%, transparent 30%), radial-gradient(circle at 80% 70%, #003300 0%, transparent 40%); z-index: -2; opacity: 0.9; } .scan-line { position: fixed; top: 0; left: 0; width: 100%; height: 100%; background: linear-gradient(to bottom, transparent 50%, rgba(0, 20, 0, 0.2) 50%); background-size: 100% 4px; pointer-events: none; z-index: -1; animation: scan 8s linear infinite; } @keyframes scan { 0% { background-position: 0 0; } 100% { background-position: 0 20px; } } /* main card – terminal/crt style */ .terminal { background: rgba(10, 20, 5, 0.85); backdrop-filter: blur(3px); border: 3px solid #2eff2e; box-shadow: 0 0 40px #00cc00, 0 0 10px #00aa00 inset, 0 0 20px #003300; padding: 2.8rem 3.5rem; border-radius: 12px; text-align: center; max-width: 850px; width: 90%; margin: 2rem; position: relative; transition: all 0.2s ease; animation: flicker 5s infinite; color: #b3ffb3; } /* glitch pseudo elements */ .terminal::before, .terminal::after { content: ""; position: absolute; top: 0; left: 0; width: 100%; height: 100%; background: inherit; border-radius: inherit; border: 3px solid #ff4444; box-shadow: 0 0 30px #ff0000; opacity: 0.4; mix-blend-mode: multiply; pointer-events: none; z-index: 1; } .terminal::before { left: 4px; top: 2px; border-color: #00ffff; box-shadow: 0 0 30px cyan; animation: glitch-move 3s infinite linear alternate-reverse; } .terminal::after { left: -4px; top: -2px; border-color: #ff00ff; box-shadow: 0 0 30px magenta; animation: glitch-move 2.8s infinite linear alternate-reverse; } @keyframes glitch-move { 0% { clip-path: inset(20% 0 30% 0); transform: translate(2px, -2px); } 20% { clip-path: inset(60% 0 10% 0); transform: translate(-3px, 1px); } 40% { clip-path: inset(10% 0 70% 0); transform: translate(2px, 2px); } 60% { clip-path: inset(40% 0 40% 0); transform: translate(-2px, -1px); } 80% { clip-path: inset(80% 0 5% 0); transform: translate(1px, 3px); } 100% { clip-path: inset(15% 0 55% 0); transform: translate(-1px, -3px); } } @keyframes flicker { 0% { opacity: 1; } 10% { opacity: 0.95; text-shadow: 0 0 5px #0f0; } 20% { opacity: 1; } 30% { opacity: 0.98; } 40% { opacity: 1; } 50% { opacity: 0.9; text-shadow: -2px 0 red, 2px 0 blue; } 60% { opacity: 1; } 70% { opacity: 1; } 80% { opacity: 0.95; } 90% { opacity: 1; } 100% { opacity: 1; } } /* main hacked text */ .hacked-title { font-size: 5.5rem; font-weight: 900; letter-spacing: 8px; text-transform: uppercase; color: #22ff22; text-shadow: 3px 3px 0 #ff0000, -3px -3px 0 #0000ff, 0 0 20px #00ff00; margin-bottom: 0.3rem; line-height: 1.1; animation: text-glitch 4s infinite; font-family: 'Courier New', Courier, monospace; } @keyframes text-glitch { 0% { transform: skew(0deg, 0deg); opacity: 1; text-shadow: 3px 3px 0 red, -3px -3px 0 blue, 0 0 20px lime; } 9% { transform: skew(2deg, 1deg); text-shadow: 5px 2px 0 red, -4px -5px 0 cyan; } 10% { transform: skew(-3deg, -2deg); text-shadow: -4px 3px 0 magenta, 5px -4px 0 lime; } 11% { transform: skew(0deg, 0deg); text-shadow: 3px 3px 0 red, -3px -3px 0 blue, 0 0 20px lime; } 90% { transform: skew(0deg, 0deg); } 91% { transform: skew(5deg, 0deg); text-shadow: -6px -3px 0 #ff00ff, 6px 3px 0 #00ffff; } 92% { transform: skew(-5deg, 0deg); } 93% { transform: skew(0deg, 0deg); } } .by-line { font-size: 2.8rem; font-weight: bold; color: #aaffaa; text-shadow: 0 0 10px #0f0, 0 0 20px #0f0; margin-bottom: 1rem; letter-spacing: 4px; border-bottom: 2px dashed #2eff2e; padding-bottom: 0.5rem; display: inline-block; } .cykomnepal { font-size: 3.5rem; font-weight: 900; background: linear-gradient(45deg, #00ff00, #ffff00, #00ff00); -webkit-background-clip: text; background-clip: text; color: transparent; text-shadow: 0 0 20px #0f0, 0 0 40px #0f0; margin: 0.5rem 0 0.2rem; letter-spacing: 6px; text-transform: uppercase; filter: drop-shadow(0 0 8px #00cc00); animation: colorPulse 3s infinite; } @keyframes colorPulse { 0% { filter: drop-shadow(0 0 5px #0f0); } 50% { filter: drop-shadow(0 0 20px #ff0) drop-shadow(0 0 10px #f0f); } 100% { filter: drop-shadow(0 0 5px #0f0); } } .status-bar { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 1rem 2rem; margin: 2rem 0 1rem; font-size: 1.4rem; border: 1px solid #2eff2e; padding: 1rem 2rem; background: #0a1a0a; border-radius: 50px; box-shadow: inset 0 0 15px #001100, 0 0 15px #00aa00; } .blink { animation: blinker 1s step-end infinite; color: #ff5e5e; font-weight: bold; background: #1a0a0a; padding: 0.2rem 1rem; border-radius: 30px; letter-spacing: 2px; } @keyframes blinker { 0%, 100% { opacity: 1; background: #2a0000; color: #ff8888; } 50% { opacity: 0; background: #550000; color: #ff0000; } } .ip-display { background: black; padding: 0.4rem 1.2rem; border-radius: 40px; border: 1px solid #00aa00; color: #88ff88; } .matrix-code { font-size: 1.1rem; color: #55aa55; background: #0f0f0f; padding: 0.6rem 1rem; border-radius: 6px; margin: 1.5rem 0 0.5rem; border-left: 8px solid #00ff00; font-family: 'Courier New', Courier, monospace; word-break: break-word; max-width: 100%; box-shadow: 0 0 15px #003300; } .matrix-code span { display: inline-block; animation: matrixLetter 1.5s infinite; } @keyframes matrixLetter { 0% { opacity: 0.8; color: #88ff88; text-shadow: 0 0 5px #0f0; } 50% { opacity: 1; color: #ffffff; text-shadow: 0 0 10px #0f0, 0 0 20px #0f0; } 100% { opacity: 0.8; color: #88ff88; text-shadow: 0 0 5px #0f0; } } .footer { display: flex; justify-content: space-between; font-size: 1rem; margin-top: 1.8rem; color: #00aa00; border-top: 1px solid #1f4f1f; padding-top: 1rem; text-transform: uppercase; letter-spacing: 2px; } .footer .warning { color: #ff6a6a; animation: blinkWarning 2s infinite; } @keyframes blinkWarning { 0% { opacity: 1; text-shadow: 0 0 5px red; } 50% { opacity: 0.3; } 100% { opacity: 1; } } /* ascii art style */ .ascii { color: #22aa22; font-size: 0.9rem; line-height: 1.2; white-space: pre; letter-spacing: 0px; margin: 15px 0 10px; } /* random glitch button (just for fun) */ .trigger-glitch { background: transparent; border: 2px solid #1f9f1f; color: #22ff22; padding: 0.5rem 1.2rem; font-family: 'Courier New', monospace; font-weight: bold; font-size: 1.2rem; border-radius: 0; cursor: pointer; transition: 0.2s; margin-top: 1rem; box-shadow: 0 0 10px #0f0; } .trigger-glitch:hover { background: #1f9f1f; color: black; border-color: yellow; box-shadow: 0 0 30px yellow; } </style> </head> <body> <!-- background layers --> <div class="glitch-bg"></div> <div class="scan-line"></div> <main class="terminal" id="mainTerminal"> <!-- main hacked text --> <div class="hacked-title">HACKED</div> <!-- "by cykomnepal" with extra glitch --> <div class="by-line">BY <span class="cykomnepal" id="cykomText">cykomnepal</span></div> <!-- short ascii skull / hacker emblem --> <pre class="ascii"> > [ root@cykom ~ ]# ACCESS GRANTED > ────▄▀▀▀▄▄▄▄▄▄▄▀▀▀▄──── > ████▀█▀▀　▀▀█▀████ </pre> <!-- status panel --> <div class="status-bar"> <span class="blink">⚠️ SYSTEM BREACH ⚠️</span> <span class="ip-display" id="ipAddress">Fetching IP...</span> <span>🖧 0DAY: ACTIVE</span> </div> <!-- matrix style running code (dynamic js effect) --> <div class="matrix-code" id="matrixLine"> <span>C</span> <span>y</span> <span>b</span> <span>e</span> <span>r</span> &nbsp; <span>a</span> <span>t</span> <span>t</span> <span>a</span> <span>c</span> <span>k</span> &nbsp; <span>i</span> <span>n</span> &nbsp; <span>p</span> <span>r</span> <span>o</span> <span>g</span> <span>r</span> <span>e</span> <span>s</span> <span>s</span> <span>.</span> <span>.</span> </div> <!-- additional info footer --> <div class="footer"> <span class="warning">❗ encrypted payload</span> <span id="timestamp">00:00:00 UTC</span> <span>🌐 #cykomnepal</span> </div> <!-- small glitch effect button (extra interactivity) --> <button class="trigger-glitch" id="glitchBtn"> >_ inject glitch</button> </main> <script> (function() { // ========== JS for dynamic effects & info ========== // 1. Display user's IP (via fetch) - with fallback const ipEl = document.getElementById('ipAddress'); if (ipEl) { fetch('https://api.ipify.org?format=json') .then(res => res.json()) .then(data => { ipEl.textContent = data.ip + " (PUBLIC)"; }) .catch(() => { ipEl.textContent = "127.0.0.1 (localhost)"; }); } // 2. update timestamp (UTC) every second const tsEl = document.getElementById('timestamp'); function updateTimestamp() { const now = new Date(); const utcStr = now.toISOString().substr(11, 8) + " UTC"; if (tsEl) tsEl.textContent = utcStr; } updateTimestamp(); setInterval(updateTimestamp, 1000); // 3. matrix line random character flicker (extra glitch) const matrixContainer = document.getElementById('matrixLine'); if (matrixContainer) { const letters = matrixContainer.querySelectorAll('span'); const chars = "ABCDEFGHIJKLMNOPQRSTUVWXYZ0123456789!@#$%^&*()_+[]{};:"; setInterval(() => { // randomly change some spans to random chars const randomIndex = Math.floor(Math.random() * letters.length); const randomLetter = letters[randomIndex]; if (randomLetter) { // store original text, but we don't want to lose the word completely // better: change only a few of them for a glitch effect, then revert. const originalText = randomLetter.textContent; const randomChar = chars[Math.floor(Math.random() * chars.length)]; randomLetter.textContent = randomChar; // revert after 200ms setTimeout(() => { if (randomLetter) { // we need to know original — but we lost it for this span. // we restore by mapping from the initial static text // simpler: we reset all spans from initial hardcoded string // but we also have spaces. Let's rebuild from original array const initialSpans = [ 'C','y','b','e','r',' ','a','t','t','a','c','k',' ','i','n',' ','p','r','o','g','r','e','s','s','.','.' ]; // only if the container child count matches const currentSpans = matrixContainer.querySelectorAll('span'); if (currentSpans.length === initialSpans.length) { currentSpans.forEach((sp, idx) => { sp.textContent = initialSpans[idx]; }); } else { // fallback: reload page silently? we trust. } } }, 150); } }, 400); } // 4. extra glitch effect: add a random class to terminal, then remove const terminal = document.getElementById('mainTerminal'); const glitchBtn = document.getElementById('glitchBtn'); function addRandomGlitch() { if (!terminal) return; terminal.style.transform = 'skew(2deg, 1deg)'; terminal.style.borderColor = '#ff00ff'; terminal.style.boxShadow = '0 0 60px #ff0000, 0 0 30px #0000ff'; terminal.style.transition = 'all 0.05s ease'; // change cykomnepal color flash const cykom = document.getElementById('cykomText'); if (cykom) { cykom.style.color = '#ff4444'; cykom.style.textShadow = '0 0 20px yellow, 0 0 40px red'; } setTimeout(() => { if (terminal) { terminal.style.transform = 'skew(0deg, 0deg)'; terminal.style.borderColor = '#2eff2e'; terminal.style.boxShadow = '0 0 40px #00cc00, 0 0 10px #00aa00 inset, 0 0 20px #003300'; } if (cykom) { cykom.style.color = ''; cykom.style.textShadow = ''; } }, 250); } if (glitchBtn) { glitchBtn.addEventListener('click', addRandomGlitch); } // also random glitch every 12 seconds setInterval(() => { addRandomGlitch(); }, 12000); // 5. small matrix/ip detail: user-agent or something? not necessary but fine // 6. add a random "boot message" in matrix line? already fine. // 7. extra: change title periodically with glitch? optional. let originalTitle = document.title; setInterval(() => { document.title = "HACKED by cykomnepal"; setTimeout(() => { document.title = "⚠️ cykomnepal owned ⚠️"; }, 300); }, 5000); // 8. cool: fake typewriter for ascii? no needed, but we can add glitchy class. })(); </script> <!-- ensure ASCII looks okay on small screens --> <style> @media (max-width: 600px) { .hacked-title { font-size: 3.2rem; letter-spacing: 4px; } .by-line { font-size: 2rem; } .cykomnepal { font-size: 2.5rem; } .terminal { padding: 1.8rem 1.5rem; } .status-bar { font-size: 1rem; padding: 0.8rem 1rem; } .ascii { font-size: 0.7rem; } } @media (max-width: 400px) { .hacked-title { font-size: 2.5rem; } .cykomnepal { font-size: 2rem; } } </style> </body> </html>"

admin

ADMIN at admin

Our Team

Meet the experts behind our success

Min Bahadur Bohara

Min Bahadur Bohara

Founder Chairperson

Rekha Shrestha

Rekha Shrestha

Chief Program Director

Jamuna Kumari Khatri

Jamuna Kumari Khatri

Operation Manager

Manisha Bohara

Manisha Bohara

Administration Officer

Aawaj Karki

Aawaj Karki

Relationship Manager

Frequently Asked Questions

Find answers to common questions about our services

Yes! We organize international training and exposure visits in collaboration with global partners across countries like Germany, UK, Australia, Canada, India, Bangladesh, and Indonesia. These programs aim to provide global insights and learning experiences.

Saaj is a professional organization based in Kathmandu, Nepal, dedicated to empowering individuals and institutions through research, investment advisory, and training programs across diverse sectors such as microfinance, banking, health, education, agriculture, and tourism.

We work in a broad range of areas, including:

  1. Agriculture & Agribusiness
  2. Tourism & Hospitality
  3. Education & Health
  4. Climate Change & Development
  5. Financial Inclusion & Literacy

Yes, all participants receive official certificates of participation or completion from Saaj upon successfully attending a program.

You can:

  1. Visit our website regularly
  2. Follow us on social media
  3. Subscribe to our newsletter
  4. Contact our team to be added to our mailing list

We provide:

• Professional development training for microfinance institutions (MFIs), banks, cooperatives

• Leadership and governance programs for Board Members

• Financial literacy and skill-based training for clients and communities

• International exposure and learning visits

• Customized in-house training for institutions

Training fees vary depending on the duration, location, and type of program. Full details, including VAT and inclusions like accommodation or meals, are provided in each program’s proposal.

Our training programs are designed for:

  1. Board members and top executives
  2. Departmental and branch heads
  3. Field staff and loan officers
  4. Clients and community members
  5. Development professionals and researchers


You can register through:

  1. Our website registration forms
  2. Contacting our office directly via phone or email
  3. Following instructions provided in our training/event brochures

Absolutely! We specialize in creating tailored training solutions based on the specific needs of banks, financial institutions, and development organizations.