| Sviluppatore: | HAMRO TECHNOLOGY PRIVATE LIMITED (59) | ||
| Prezzo: | Gratis | ||
| Classificazioni: | 0 | ||
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| Google Play | |||
Descrizione
The App is regularly updated with new features and new utility payments for the user's convenience which makes it the best app for Atal Smart App.
Here are the key features of Atal 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 Atal PanchKunda Saving and Credit Cooperative Limited branches direcly via app.
Apply for loan through our app:
Atal 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 Atal panchkunda Saving and Credit Co-operative Ltd Office)
Personal Loan Example
For Personal loan, followings things apply:
A. Minimum Loan Amount NRs 10,000.00 Maximum Loan Nrs. 1,000,000.00
B. Loan Tenure: 60 months(1825Days)
C. Repayment mode: EMI
D. Grace Period: 6 Months. Interest must be paid in grace period.
E. Interest Rate: 14.75%
F. Processing Fees = 1 % of loan amount.
G. Eligibility:
1. Resident of Nepal.
2. Age above 18 years
3. Must have a guarantor.
4. Have an income source with tax clearance document
*APR = Annual Percentage Rate
H. The minimum period of repayment is 12 months(1 year) and the maximum period of repayment is loan tenure period as per the agreement (which is 5 years in this example).
I. The Maximum Annual percentage Rate is 14.75%.
Personal loan Example:
Let's say you are applying for a Personal loan amounted NRs 1,000,000.00 from the organization at the rate of interest of 14.75% (annual) and your loan tenure is 5 years,
Equated Monthly Instalment (EMI)= Rs.23659.00
Total payable interest = Rs.407722.00
Total Payment = Rs. 407722.00
Loan processing fees = 1% of loan amount = 1% of Rs. 1,000,000.00 = Rs. 10,000.00
EMI will be calculated as under:
P x R x (1+R)^N / [(1+R)^N-1]
where,
P = Principal amount of the loan
R = Rate of interest (Annual)
N = Number of monthly instalments.
EMI = 1,000,000* 0.0129 * (1+ 0.0129)^24 / [(1+ 0.0129)^24 ]-1
= Rs 23,659.00
So, your monthly EMI would be = Rs. 23659.00
The rate of interest (R) on your loan is calculated monthly i.e. (R= Annual rate of interest/12/100). For instance, if R = 14.75% per annum, then R = 14.75/12/100 = 0.0121.
so, Interest = P x R
= 1,000,000.00 x 0.0121
= Rs.12,123.00 for first month
Since EMI consists of principal + Interest
Principal = EMI - Interest
= 23,659.00-12,123.
= Rs.11536 in a first installment which can be vary on other installment.
And for the next month, opening loan amount = Rs.1,000,000.00-Rs. 11536.00 = Rs.988464.00
Disclaimers: We are not asking applicants to pay advance money for loan. Please be aware of such fraudulent activities.
Note: Our app is currently Geo-restricted to users located exclusively in Nepal. As a result, some features of the app may not function as expected or may be limited when accessed from other regions. We only aim to deliver a seamless and meaningful experience to users who are situated within Nepal's geographical boundaries.
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- Piattaforme: Android App (59)
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Informazioni aggiuntive
- Versione: 3.0.3
- Categoria:
Android App›Finanza - Sistemi operativi:
Android 4.1 - Dimensioni:
16 Mb - Classificazione contenuti:
Everyone - Google Play Voto:
0 - Aggiornata:
- Data di uscita:
«Atal Smart App». Piattaforma: Android. Categoria: Finanza. Sviluppatore: «HAMRO TECHNOLOGY PRIVATE LIMITED». Prima uscita: . Ultimo aggiornamento: . Prezzo attuale: gratuito. Questo titolo non ha ancora ricevuto valutazioni o recensioni su AppAgg. AppAgg tiene traccia della cronologia dei prezzi, delle valutazioni e del feedback degli utenti per «Atal Smart App». Segui futuri sconti e aggiornamenti tramite RSS. AppAgg non ospita applicazioni né distribuisce software. Tutti i marchi, loghi e screenshot appartengono ai rispettivi proprietari.
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