Janakalyan Smart App

Welcome to Janakalyan Smart App and enjoy the digital banking and payments services.  
Janakalyan Smart App is Shree Janakalyan Saving and Credit Co-operative Limited official Mobile Banking Application which enables its customers to keep track of their account maintained at Shree Janakalyan Saving and Credit Co-operative Limited and allows its users to make different utility payments. 

Below are the key features of Janakalyan Smart App:

Manage your account

• Track your finances
• Track your account history
• Protect your account with your fingerprint

Make payments of your utilities

• Pay your internet bills, phone bills, mobile top-up, and many other payments  for the services you use

Transfer funds instantly
• Transfer and receive funds instantly

Receive and send money through remittance services

QR Payments: 

Scan and Pay feature that allows you to scan and pay to the different merchants.

Highly secure
• Secure your account with two factor authentications
• Fingerprint login helps secure your account

Calendar:
Customer can view official calendar of Shree Janakalyan Saving and Credit Co-operative Limited on our apps. 

Location: 
Customers can find our Office location.


Apply for loan through our app:

Janakalyan Smart App offers different types of loan to our customer, we will be listing the loan category with interest rate and you can choose to apply for the needed loan category. 

(Note: This is just a loan information for applying and for the approval customer needs to visit the Shree Janakalyan Saving and Credit Co-operative Limited Office)

For personal loan followings things apply:


A. Loan Amount: NRS 20 thousand to NRS 100 Lakhs

B. Loan Tenure: 180 days (shortest, including renewal period) to 120 months (longest, including renewal period)

C. Interest Ranging of minimum 9% APR to maximum 16% APR

D. Processing Fees of 1 % of loan amount

*APR = Annual Percentage Rate


Eligibility:

1. Resident of Nepal

2. Age above 18 yrs.

3. Must have a guarantor

4. Have an income source with tax clearance document


Example for loan amount of NRS. 4 lakhs(400000) at 16% APR (Annual Percentage Rate)

For loan amount of NRS. 4 lakhs @16% interest(APR-Annual Percentage Rate) for 3 years (36 months) the EMI would amount to NRS. 14062.81 including interest and principal and consolidated charges would be NRS. 4000. The total payable amount of the loan including the NRS. 4000 processing fee will be NRS. 510261.16


For APR of 12%

For loan amount of NRS. 4 lakhs(400000) @12% interest(APR-Annual Percentage Rate) for 3 years (36 months) the EMI would amount to NRS. 13285.72 including interest and principal and loan processing charges would be NRS. 4000. The total payable amount of the loan including the NRS. 4000 processing fee will be NRS. 482285.92

Disclaimers: We are not asking applicants to pay advance money for loan. Please be aware of such fraudulent activities.

How to use this Application?

1. Have a valid account at Shree Janakalyan Saving and Credit Co-operative Limited
2. Subscribe to the Janakalyan Smart App

This Application gets regularly updated with new features and new utility payments  for the user's convenience which makes it the best app for Janakalyan Smart App.

Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Account with a fully secure and user-friendly application.