According to KMK, cashless payment system is already in operation in Tajikistan; but what’s the reality?

Now, you can pay for utilities in Tajikistan by wire transfer Deputy Director-General of the State Unitary Enterprise (SUE) Khojagii Manziliyu Kommunali (KMK – the state holding company for public utilities), Rajabali Rasoulzoda told reporters in Dushanbe on July 22. However, it soon became clear that the cashless payment system is only partially functional. In […]

Asia-Plus

Now, you can pay for utilities in Tajikistan by wire transfer Deputy Director-General of the State Unitary Enterprise (SUE) Khojagii Manziliyu Kommunali (KMK – the state holding company for public utilities), Rajabali Rasoulzoda told reporters in Dushanbe on July 22.

However, it soon became clear that the cashless payment system is only partially functional.

In response to a question from Asia-Plus reporter about cashless payments in the KMK system, Mr. Rasoulzoda noted that agreements between KMK and Amonatbonk (Tajikistan’s savings bank) have been signed, and this payment option is available in the "Amonat-mobile" app – the electronic wallet of Amonatbonk.

When the Asia-Plus reporter tested the app, it turned out that the "windows" mentioned by the KMK leadership were empty – there was no information in them.  If you press the "Payment" button and then "Utility Services" in the Amonatbonk mobile app, a list of services appears on your screen: electricity, heating (for Dushanbe), Vodokanal (water supply), and irrigation water (presumably referring to water for irrigation – ed.), which can be paid for online. Interestingly, irrigation water is also listed as a utility service, although it is managed by the Agency for Land Reclamation and Irrigation.

There may be some confusion in the app.

Currently, across the country, only Danghara's utility services can be paid online.  As KMK management explained to Asia-Plus after the news conference, the organization has indeed launched a cashless payment system in 56 districts and cities under its jurisdiction, but it is currently not fully operational. According to president’s decree on measures to expand cashless payments, from August 1, 2023, all state services must be conducted by bank transfer.  This includes tax payments, state duties, licenses, mandatory insurance, utility services, banking transactions, etc.

The Nizomi Muosir Company, a technical service provider, is helping the KMK transition to an automated system.  According to the company, residents currently need to visit the KMK office in their district or city to pay for utilities by wire transfer through Amonatbonk POS terminals.

"It is expected that by the end of this week, utility payments will also be available through the Amonat-mobile app.  Negotiations are ongoing with Amonatbonk management on this issue," Orif Tolibov, a representative of Nizomi Muosir, told Asia-Plus in an interview on Wednesday.

Additionally, Tolibov mentioned that KMK plans to approach the National Bank of Tajikistan (NBT) to implement online payment for its services in other banks in the country.

Asked about how the funds collected by the KMK are spent, the KMK officials stated that all money goes into the KMK’s bank account and is used for tax payments, employee salaries, and equipment repairs.

The main question that concerns all Tajikistan citizens is, what are we paying KMK for?  According to the KMK leadership, utility services include providing drinking water, garbage removal and disinfection, and territory cleaning.  Correspondingly, we pay for these services. The KMK did not comment on the Asia-Plus reporter’s objection that Tajik citizens pay separately for garbage and water.

Meanwhile, according to the KMK, over the first six months of this year, the enterprise has provided services to residents of cities, districts, and villages of the country worth 118,639,700 somonis, which is 14,457,800 somonis more than the same period last year.

It is to be noted that KMK now provides water supply services to 13 percent of the country’s population.  Companies for public utilities in Dushanbe, Khujand, Faizobod, Nurek, Kulob, Yovon, Vahdat, Varzob, Shahrinav and Tursunzoda are subordinate to local authorities. 

In Dushanbe, for example, SUE Dushanbevodokanal (DVK — municipal water works) provides the water supply services. 

 

Join us on social media!

Article translations:

Related Article

Оби зулол
Оби зулол

Most Read

Recent Articles

The only GPW veteran in Dushanbe allocated more than 80,000 somoni

The mayor's office of Dushanbe allocated him 25,000 somoni.

GITEX AI Kazakhstan 2026: how Almaty became the main AI hub of Central Asia

More than 300 companies and startups, over 200 speakers and 100 investors from 50 countries — the region is entering the global stage.

A trade and economic park to be built at the border junction of Tajikistan, Kyrgyzstan, and Uzbekistan

President of the Kyrgyz Republic Sadyr Japarov familiarized himself with the project.

A project to protect soil from degradation to be developed in Central Asia

The initiative is of great significance for the mountainous countries of the region, including Tajikistan.

Mudslide, death, and destroyed homes: hundreds of families in Tajikistan left homeless

A correspondent from "Asia-Plus" visited Kulob and spoke with the families of those who died and were affected by the disaster.

Spring 2026 bright event: new issue of VIPzone now on sale

This issue is about people and ideas that change everything: from business and investments to fashion, food, and urban environment.

Godfrey Sullivan: “Tajikistan is a promising market for Visa to develop digital payments”

The Vice President of Visa explained why Tajikistan is becoming a promising market for digital payments and how artificial intelligence is influencing the future of finance.

Seven students in Dushanbe were threatened with expulsion for arriving at universities in personal cars

The materials for each case have been sent to the Ministry of Education and Science for appropriate actions.

India’s blockchain push and lessons for the global south

The Indian Government has started pushing aggressively its agenda...

India’s blockchain push and lessons for the global south

The Indian Government has started pushing aggressively its agenda...