Pranjal Smart App is an official mobile application of Pranjal Saving and Credit Cooperative Ltd. which facilitates the user for various banking transaction as well as utility payment and mobile recharge/ topup for different telecom service provider like Nepal telecom, Ncell, CDMA.

Key feature of Pranjal Smart App


It enables user for various banking transaction like Fund Receive/Transfer

Keeps track of all your transactions through secured app.

Pranjal Smart App facilitates you to pay different bills and utility payment through highly secured merchants.

Receive and send money through remittance services

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

Highly secured app with two factor authentication and fingerprint.



Apply for loan through our app:

Pranjal 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 Pranjal Saving and Credit Cooperative Ltd. Office)

For personal loan followings things apply:


A. Loan Amount: NRS 20 thousand to NRS 1 Crore

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. 10 lakhs(1000000) at 16% APR (Annual Percentage Rate)

For loan amount of NRS. 10 lakhs @16% interest(APR-Annual Percentage Rate) for 3 years (36 months) the EMI would amount to NRS. 35155 including interest and principal and consolidated charges would be NRS. 10000. The total payable amount of the loan including the NRS. 10000 processing fee will be NRS. 1278152.9


For APR of 12%

For loan amount of NRS. 10 lakhs(1000000) @12% interest(APR-Annual Percentage Rate) for 3 years (36 months) the EMI would amount to NRS. 33214.3 including interest and principal and loan processing charges would be NRS. 10000. The total payable amount of the loan including the NRS. 10000 processing fee will be NRS. 1207714.8

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

Please feel free to contact at +977 - 01-6618016 to share your feedback, query, or any issue associated with Pranjal Smart App.