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janakalyan.saccos@gmail.com



041-421671



Bhimeshowr-3 , Dolakha

 * Home
 * About
   * Organization
     Who Are WeOrganizational StrategiesBoard Of DirectorsDepartmentOrganization
     StructureOur TeamManagement Structure
   * Committee
     Account Supervisory CommitteeAdvisory Committee
   * Ex-Presidents
   * Gallery
   * Members Voice
   * Alliance
 * Our Services
   * Loan
   * Remittance
   * Variety Of Accounts
   * Mobile Banking
 * Downloads
   * Loan Demand
   * Member Application
   * Saving Withdraw
   * Financial Support
   * Mobile Banking
 * Information Center
   * Report
     Monthly ReportHalf Yearly ReportAnnual Report
   * Events
   * CSR
   * News
   * Notices
   * Careers
   * Loan Form
   * FAQ
 * Contact Us

 * Home
 * About
   * 
   * Organization
     * Who Are We
     * Organizational Strategies
     * Board Of Directors
     * Department
     * Organization Structure
     * Our Team
     * Management Structure
 * 
 * Committee
   * Account Supervisory Committee
   * Advisory Committee
 * Ex-Presidents
 * Gallery
 * Members Voice
 * Alliance

Our Services
* Loan
* Remittance
* Variety Of Accounts
* Mobile Banking
Downloads
* Loan Demand
* Member Application
* Saving Withdraw
* Financial Support
* Mobile Banking
Information Center
* 
* Report
  * Monthly Report
  * Half Yearly Report
  * Annual Report
EventsCSRNewsNoticesCareersLoan FormFAQContact Us
Login
E-banking LoginBittiya Sewa
EN
नेपाली

Highlights
 * Swait Patra
 * Election Shedule 2080
 * 26th Annual General Meeting
 * Financial Status
 * Prosperous Member, Excellent Institution


28TH ESTABLISHMENT DAY




ESTABLISHMENT DAY




PARTICIPATNTS




AGM




CULAPET




OFFICE LOBBY AND COUNTER




AGM




28TH ESTABLISHMENT DAY




ESTABLISHMENT DAY




About Us


INTRODUCTION

Harmo Janakalyan Saving and Credit Cooperative Ltd is located at bhimeshwor
municipality-3, Charikot, Dolakha. This institution was established in 29th
April 1997 with the objectives of mobilization of saving and loan among the
share member.

Different cooperatives like Hamro Janakalyan, Himalayan, Agragami, and Nagarik
Cooperatives integrated in Hamro Janakalyan SACCOS and familiarize as a Hamro
Janakalyan SACCOS.

Organization providing it's services from one service center, two cash
collection center and head office. Except financial services organization
supporting in non financial sectors like environment protection, education,
Health and waste management. We are conscious in legal compliances. We have
internal control mechanism for maintaining good governance for that necessary
policy and procedures are introduce and implemented. Nationally, organization
has a own identity and reputation. For assurance of financial safety and
quality, organization enroll in ACCESS program promoted by ACCU.



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Services


TAKE A LOOK AT OUR SERVICES

REMITTANCE



We have different remit company for receiving money from different part of
country as well as other country.



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SAVING LOAN



Praesent vitae quis enim morbi tortor sem amet suspendisse nulla. Sem id turpis
netus bibendum faucibus sodales amet at at.



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LOAN SERVICE



Praesent vitae quis enim morbi tortor sem amet suspendisse nulla. Sem id turpis
netus bibendum faucibus sodales amet at at.



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MOBILE BANKING



Mobile banking is latest and updated digital service for member. We use hamro
janakalyan smart app of info developers for mobile banking. Internally fund
transfer, utility payment, transaction history of member's facility available in
mobile apps.



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VARIETY OF ACCOUNTS



Aliquet volutpat aliquet ultrices commodo, orci egestas fermentum. Phasellus
mauris scelerisque dignissim platea fermentum. Amet vel eget eu nulla. Vel justo
id semper convallis porttitor molestie nisi.



Read More

REMITTANCE



We have different remit company for receiving money from different part of
country as well as other country.



Read More

SAVING LOAN



Praesent vitae quis enim morbi tortor sem amet suspendisse nulla. Sem id turpis
netus bibendum faucibus sodales amet at at.



Read More

LOAN SERVICE



Praesent vitae quis enim morbi tortor sem amet suspendisse nulla. Sem id turpis
netus bibendum faucibus sodales amet at at.



Read More

MOBILE BANKING



Mobile banking is latest and updated digital service for member. We use hamro
janakalyan smart app of info developers for mobile banking. Internally fund
transfer, utility payment, transaction history of member's facility available in
mobile apps.



Read More

VARIETY OF ACCOUNTS



Aliquet volutpat aliquet ultrices commodo, orci egestas fermentum. Phasellus
mauris scelerisque dignissim platea fermentum. Amet vel eget eu nulla. Vel justo
id semper convallis porttitor molestie nisi.



Read More

REMITTANCE



We have different remit company for receiving money from different part of
country as well as other country.



Read More

Account


VARIETY OF ACCOUNTS

Aliquet volutpat aliquet ultrices commodo, orci egestas fermentum. Phasellus
mauris scelerisque dignissim platea fermentum. Amet vel eget eu nulla. Vel justo
id semper convallis porttitor molestie nisi.



HAMRO JANAKALYAN KAROBAR



This product is introduce for businessmen. The share member who has regular
income they use this account.



MANDOTARY



This is mandatory account. After getting membership member must deposit of their
mandatory saving.



DAILY



The share member who has daily base business, He or She can participate in this
product. 



CHILD



This product is design to increase saving habit of children. 



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ONLINE ACCOUNT OPENING



We provide various services for online money transfers. Our service is the best
known, most secure and reliable online service.



Get Started
Loans


LOAN SERVICE

GROUP MEMBER GUARANTEE



This loan for entrepreneur women. The women members who has already any kinds of
business and they want to continuing the business or expansion of the business,
they are eligible for this type of loan.



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MOTORCYCLE



This loan is focused for businessmen and youth. After 40 percent cash paid to
motorcycle dealers or distributor, organization invest to 60 percent loan after
receiving quotation. This loan is issues for 24 month only.



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ABROAD LOAN



Member's who are going to third country for job purpose or educational purpose
they can get this type of loan.



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EDUCATION LOAN



For high level education, member can take this type of loan. Proof of admission,
offer letter of campus, passport for abroad study are necessary documents for
this type of loan. Interest rate determine by board of directors.



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LAND AND HOUSING



For purchasing land and house or maintenance of house, member can be use this
type of loan. Interest rate determine according to market analysis.



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COMMERCIAL LOAN



The member who has business they can use this type of loan products. Interest
rate determine according to market analysis.



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HEALTH CHECK UP



Health check up



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AGRO AND LIVESTOCK



To promote the agricultural and livestock business, We provide this type of
loan. Interest rate is comparatively low then commercial loan.



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WOMEN SELF-EMPLOYMENT



To promote the agricultural and livestock business, We provide this type of
loan. Interest rate is comparatively low then commercial loan.



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AGRICULTURE BUSINESS



Member who has registered business with PAN and operating business with
objectives they can get this type of loan. Loan sub committee inspect the
business location, status of business and market then recommend whether loan is
secure or not.



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SAVING COLLATERAL



Loan provided against the guarantee of any kinds of saving. Ninety percent of
saving is provides in loan. Maximum 3 percent premium is includes in interest.
Within 30 minutes member can get this type of loan.



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GROUP MEMBER GUARANTEE



This loan for entrepreneur women. The women members who has already any kinds of
business and they want to continuing the business or expansion of the business,
they are eligible for this type of loan.



Read More

MOTORCYCLE



This loan is focused for businessmen and youth. After 40 percent cash paid to
motorcycle dealers or distributor, organization invest to 60 percent loan after
receiving quotation. This loan is issues for 24 month only.



Read More

ABROAD LOAN



Member's who are going to third country for job purpose or educational purpose
they can get this type of loan.



Read More

EDUCATION LOAN



For high level education, member can take this type of loan. Proof of admission,
offer letter of campus, passport for abroad study are necessary documents for
this type of loan. Interest rate determine by board of directors.



Read More

LAND AND HOUSING



For purchasing land and house or maintenance of house, member can be use this
type of loan. Interest rate determine according to market analysis.



Read More

COMMERCIAL LOAN



The member who has business they can use this type of loan products. Interest
rate determine according to market analysis.



Read More

EMI Calculator


GET STARTED WITH EMI CALCULATOR

Select Loan TypeEducation LoanHome Loan

Loan Amount

Interest Rate (%)

Loan Tenure

Total Amount


RS. 4395.79

10% Rate of Interest in 12 years

Get Loan
News & Blog


OUR NEWS & BLOGS

THE INTERACTION 

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PRODUCT PROMOTION

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REVIEW MEETING OF F/Y 2079/080 AND SWOT ANALYSIS PROGRAM.

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View All


663902571

SAVING


618697693

OUTSTANDING LOAN


823080185

BALANCE SHEET


9367

TOTAL MEMBERS


118936199

TOTAL LIQUIDITY

Mobile Banking


MAKE YOUR BANKING TRANSACTIONS QUICKER WITH OUR MOBILE BANKING

Simple, secure and convenient, a unique digital mobile banking application
integrated with multiple services. Download now and carry your bank account with
you everywhere in your mobile device.

Simple, secure and convenient, a unique digital mobile banking application
integrated with multiple services. Download now and carry your bank account with
you everywhere in your mobile device.



DOWNLOAD OUR APP


OUR REPORTS

ANNUAL PROGRESS REPORT FOR 26TH AGM 2080

FINAL AUDIT 2079080

FINAL AUDTI REPROT 2078/079

25TH AGM

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Events


EVENTS

18

Jan

THE LEADERSHIP BOOT CAMP

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05

Oct

HEALTH CAMP

View All
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QUICK LINKS

 * Downloads
 * Update BOID
 * Services
 * Career

IMPORTANT LINKS

 * Notices
 * FAQ
 * Reports
 * Events

USEFUL LINKS

 * Nepal Stock Exchange Ltd
 * National Cooperative Development Board
 * Department of Co-operatives
 * NEFSCUN

LET'S TALK

   
 * janakalyan.saccos@gmail.com
 * Bhimeshowr-3 , Dolakha

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