Jyoti Smart is a convenient and safe transaction banking application offered online. You can manage and access your Jyoti Bikas Bank accounts quickly and securely either through SMS, WIFI, 3G or Edge.

With Jyoti Smart application, you can access and manage your Jyoti Bikas Bank accounts to perform the following services

• View your account balances and last 5 transaction statements.
• View your credit card information.
• Transfer funds between your applicable Jyoti Bikas Bank accounts.
• Transfer funds to another bank account associated with fonepay networks.
• Pay bills to utilities like Postpaid, NTC Landline, and Credit Cards.
• Direct Top-up to NTC Prepaid, Postpaid, ADSL, Ncell Prepaid, Ncell Postpaid, DishHome and Simtv accounts.
• Recharge Vouchers for NTC prepaid, NTC CDMA, Broad-link, Smart Cell and Dish-home.
• Locate Branches, ATM's and Merchants with its route navigation.
• Get latest foreign exchange rates issued by the bank and stock market value of the bank.
• Stop your credit/debit cards instantly, for instance in case of theft, loss or damage.
• Account Statement of desired date ranges.
• Shake to get last frequently used menus.
• Get instant notifications from debit or credit on account activities.