Jyoti Smart App

Jyoti Smart App is a simple, secured and fast finance app for Shree Jyoti Multipurpose Cooperative Limited. Here you can manage your account and access your Shree Jyoti Multipurpose Cooperative Limited accounts faster and securely via internet or SMS. The App is regularly updated with new features and new utility payments  for the users convenience which makes it the best app for Jyoti Smart App. Here are the key features of Jyoti Smart App: Organize your account • Quick track your finances • Keep track of all your transactions through secured app This app helps you to pay multiple utility payments though the app itself. Transfer funds instantly • Instantly transfer and receive funds 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 secured app with two factor authentication and fingerprint. Users can view Shree Jyoti Multipurpose Cooperative Limited branches direcly via app. Apply for loan through our app: Jyoti 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 Jyoti Multipurpose Cooperative 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. 5 lakhs(500000) at 16% APR (Annual Percentage Rate) For loan amount of NRS. 5 lakhs @16% interest(APR-Annual Percentage Rate) for 3 years (36 months) the EMI would amount to NRS. 17577.5 including interest and principal and consolidated charges would be NRS. 5000. The total payable amount of the loan including the NRS. 5000 processing fee will be NRS. 639076.45 For APR of 12% For loan amount of NRS. 5 lakhs(500000) @12% interest(APR-Annual Percentage Rate) for 3 years (36 months) the EMI would amount to NRS. 16607.15 including interest and principal and loan processing charges would be NRS. 5000. The total payable amount of the loan including the NRS. 5000 processing fee will be NRS. 603857.4 Disclaimers: We are not asking applicants to pay advance money for loan. Please be aware of such fraudulent activities.