To provide a banking application on smartphone for the mobile employees of microcredit bank with the facility to have data synchronized between the smartphone and the bank’s database. It should be possible to open accounts for a customer (who has not defaulted earlier and who has recommendation from the community) / close accounts. It should be possible to enter the loan given to a customer and the period of the loan. It should be able to calculate interest. It should be able to enter repayment made by the customer (in installments or in full). It should give notification when a loan has not been returned within the loan period. The credit worthiness of the customer should be updated as ‘defaulter’. It should give reports of the loans given with details of the customer name, loan amount, outstanding amount, loan payment date and loan repayment date. Employees should be able to log in with username and password. The employee will be able to download details of only his/ her customers. There should be a desktop application where all the above operations can be done. The desktop application will have other facilities like entering the interest rate. It should be possible to synch between the desktop database and the smartphone’s database in both directions.