Jharana Smart

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

Below are the key features of Jharana Smart:

Calendar:
Customer can view official calendar of Jharana Saving and Credit Cooperative Limited on our apps. 

Location: 
Customers can find our Office location.

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


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 to secure your account