How to Take Loan in NTC: A Simple Guide

Nepal Telecom (NTC) offers a convenient loan service called “Namaste Credit” (also known as “Sapati”) for its GSM prepaid customers. With this service, you can make calls even when your balance is insufficient. The best part? It’s available free of charge! Let’s explore how to subscribe to this service and answer some common questions.

Features of NTC Loan Service

1. No Call Drop: When you activate the loan service, your calls won’t drop due to insufficient balance.
2. Free Activation: There are no extra charges for activating the loan service.
3. Credit Balance: The loan amount depends on your used-up balance. The same credit will be deducted from your next top-up.
4. Repayment: Repayment occurs in installments deducted from subsequent top-ups over the chosen period.
5. Shortcode: To access the credit service, use the shortcode 1477.

How to Take Loan in NTC SIM

Follow these steps to take a loan in NTC:

1. Via SMS:

   • Go to your message box.
   • Type Start and send it to 1477.
   • You’ll receive an activation message if your SIM card is more than 3 months old.
   • To get information about the loan Sapati service, send a message with the keyword status to 1477.
   • To stop the loan service, send a message with the keyword stop to 1477.

2. Using the NTC App:

   • Download the NTC app.
   • Look for the “Sapati Loan” feature.
   • Dial 422 followed by your security code and S.
   • Choose your desired loan amount and repayment period.
   • Enter your PIN and confirm the request.
   • Upon approval, the loan amount will be credited to your mobile balance.

this service is available only for prepaid customers who have been active for more than 3 months. NTC will recover the loan amount from your balance during the next recharge. You can use the same balance for calls, SMS, and data browsing.

For more details, visit the official NTC page on Namaste Credit.