Comparison

CIT Smart Mobile App vs Prayag Smart App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CIT Smart Mobile App

Access your financial accounts quickly and securely. View balances, statements, and locate branches with navigation. Manage various insurance and investment funds.

Highlights
  • View account balances
  • Access mini and full statements
  • Locate branches with navigation
  • View insurance fund statements
  • Manage investment fund statements
Read full description

CIT Smart Mobile App is a convenient and safe application offered online. You can access your CIT accounts quickly and securely. With CIT Smart Mobile App, you can access accounts to perform the following services • View your account balances and with mini and full statement. • Locate Branches, with its route navigation. • Account Statement of desired date ranges. • View balance and account statements of contributions, Mutual Funds, Civil servant Insurance fund, Nepal Army Insurance fund, Teacher Insurance fund, NARC Insurance fund, APF Insurance fund, Nepal Police Insurance fund.

About

Prayag Smart App

Features
Read full description

Prayag Smart App is MBANK TECHNOLOGIES PVT LTD official mobile banking app which enables its customers to keep track of their account maintained at Prayag Smart App and allows its users to make different utility payments. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Prayag Smart App. Enables finances at your fingertips, anytime-anywhere. Here you can manage your account and access your Prayag Smart App accounts faster and securely via internet. Prayag Smart App is a convenient and reliable app that provides you all the facilities in your fingertips. Enjoy hassle-free banking anywhere and anytime without visiting your branch and manage your Account with a fully secure and user-friendly application. Services of Prayag Smart App : Make payments of your utilities * Phone bills * Mobile top-up * Receive and send money through remittance services * And many other payments for the services you use Bill Payments * Prayag Smart App offers a full throttled package of all bill payments. Real-time payments to all registered ISPs, TVs, Airlines, Insurance, Electricity, Water, Landline. Manage your account * Protect your account with your fingerprint * Track your finances * Track your account history Transfer funds instantly * Transfer and receive funds instantly Highly secure * Secure your account with two factor authentications * Fingerprint/Face ID login helps secure your account Location: * Customers can find our Office location QR Payments: * Scan and Pay feature that allows you to scan and pay to the different merchants. To be able to use this app, you first need to have a valid account maintained at Prayag Smart App, and you need to subscribe to the Prayag Smart App Banking Service. This app helps you to pay multiple utility payments through the app itself. And many more exciting features (This app is the property of MBANK TECHNOLOGIES PVT LTD) This Application gets regularly updated with new features and new utility payments for the user's convenience which makes it the best app. About Prayag Smart App Prayag Smart App is leading Payment Service Provider. Prayag Smart App is leading fin-tech company in Nepal.

Screenshots

CIT Smart Mobile App4 screens
Prayag Smart App4 screens

Verdict

The call

The clearest difference is update cadence: Prayag Smart App at every 6 weeks against CIT Smart Mobile App's every 26 months. Prayag Smart App also leads on device support. On price, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

CIT Smart Mobile App ships an update every 26 months, Prayag Smart App every 6 weeks. The most recent releases landed on November 3, 2026 and September 10, 2026 respectively.

Scorecard2 real differences · 7 level
CIT Smart Mobile App versus Prayag Smart App: the parameters behind the verdict, then further details
ParameterCIT Smart Mobile AppPrayag Smart App
PriceFreeFree
Rating3.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyEvery 26 monthsEvery 6 weeks — better
Ads—No
In-app purchasesNoNo
MonetizationFree—
Devices—iPhone, iPod — better
Requires iOS12.4 — better13.7
Further details — not scored
Size12 MB307 MB
Age rating4+17+
DeveloperCitizen Investment TrustmBank Technologies

In-app purchases

None

CIT Smart Mobile App

No in-app purchases

None

Prayag Smart App

No in-app purchases

Questions

Is CIT Smart Mobile App free?
CIT Smart Mobile App is free to download, with no in-app purchases.
Is Prayag Smart App free?
Prayag Smart App is free to download, with no in-app purchases.
Which is updated more often, CIT Smart Mobile App or Prayag Smart App?
CIT Smart Mobile App ships an update every 26 months, and Prayag Smart App every 6 weeks. Most recently, CIT Smart Mobile App was updated on November 3, 2026 and Prayag Smart App on September 10, 2026.

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