CellPay vs Chakriya Byaj

CellPay is a payment service powered by Cellcom Private Limited, licensed by Nepal Rastra Bank. CellPay provides digital payments and fund transfer services that use web and mobile channels to help you make payments directly from your bank account. CellPay uses international-level security to ensure you are always protected. The best way to understand CellPay is as a digital debit card. The only difference is that unlike a debit card CellPay cannot be lost or stolen from you, and you can link multiple bank accounts to your CellPay account. Currently, the CellPay service supports utility payments, merchant payments and fund transfer services. Features of CellPay · Top Up: Ncell, NT, Smartcell (upto 4% cashback) · Data Pack: Ncell, NT · Fund Transfer: Transfer funds across all financial institutions of Nepal at bare minimum rate · ISP Payment: Supports bill payment across all top ISPs of Nepal. · DTH Payment: Supports bill payment across different cable operators in Nepal. · Electricity Bill: Payment can be made to NEA directly from our App. · Khanepani Bill : Payment can be made of different Khanepani and KUKL counters · Merchant Payment : Merchant payment can be done to all Fonepay and Nepal Pay merchants. · Flight Booking: Book Domestic airline tickets from our app and get highest cashback in the industry. · Insurance payment: Make hassle free payment to 15+ insurance companies in Nepal. · Demat: Renew and subscribe to different Demat accounts. · Government Payment: Pay for your traffic fine or can make any other government payment in Nepal. · Movie Tickets: Buy movie tickets for your favourite show across most of the halls in Nepal. · Bank Link: You can link your bank account across our partner banks and make hassle free transaction even faster. · Load Funds: You can now load funds into your CellPay wallet from different methods and from almost all financial institutions of Nepal.

Chakriya Byaj is a powerful financial calculator app made for Nepali users. Whether you are a moneylender, borrower, student, or business owner, this app makes all your financial calculations fast, accurate, and easy. COMPOUND INTEREST CALCULATOR Calculate compound interest the Nepali way! Enter start date, end date, principal amount, and monthly interest rate and get instant results. SIMPLE INTEREST CALCULATOR Enter principal, monthly rate, and time period (months or years) and get your result instantly. CIVIL CALCULATOR Construction and civil engineering calculations for contractors and engineers. LAND CALCULATOR Calculate land area in Nepali units - Ropani, Ana, Paisa, and Dam. EMI CALCULATOR Plan your loan repayments easily with our built-in EMI calculator. PROFIT & LOSS CALCULATOR Calculate profit or loss percentage for any business transaction instantly. CURRENCY CONVERTER Convert between currencies with ease. HISTORY & RECORDS Save every calculation with a borrower name and optional notes. View your full history anytime. NEPALI & ENGLISH LANGUAGE Switch between Nepali and English at any time. DARK, LIGHT & SYSTEM THEME Choose dark mode, light mode, or follow your device system setting. HOME SCREEN WIDGET Add a quick-access widget to your home screen. 100% PRIVATE - NO INTERNET REQUIRED All data stays on your device. No account, no cloud, no tracking. Completely private. Perfect for: - Money lenders and borrowers - Finance and banking students - Small business owners - Contractors and land dealers Download Chakriya Byaj today and take control of your finances!