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How to Take Loan in NTC Easily – Step-by-Step Guide for Nepal Telecom Users

How to take loan in NTC? Learn the easiest way to get emergency balance in Nepal Telecom using NTC loan code. Quick guide for all prepaid users.

Are you out of balance and need to make an urgent call or use mobile data? If yes, then you should know how to take loan in NTC. Nepal Telecom offers a free loan service for its prepaid users when they run out of balance—commonly known as the Namaste Credit or Sapati service.

In this article, we’ll explain how to activate and use the NTC loan service, including the correct code, eligibility, repayment method, and more helpful links related to NTC services and online earnings.

NTC user sending START to 1477 for emergency loan balance

How to Activate & Use NTC Loan Service

Nepal Telecom’s “Namaste Credit” loan (also called “Sapati”) is a free emergency balance feature for prepaid users.

  1. Your SIM card must be at least 3 months old.
  2. Your balance should be below Rs. 5.
  3. Send an SMS with START to 1477, or dial *1477# and select the "Start" option.
  4. You will receive a loan (usually Rs. 10–20) based on your usage and recharge history.
  5. You can use this balance for calls, SMS, or mobile data.

How to Repay NTC Loan

The loan amount is automatically deducted from your next recharge. If you recharge a small amount, NTC deducts at least 60% and carries the rest.

Useful Internal Links

Frequently Asked Questions (FAQs)

1. What is the NTC loan code?

Send SMS “START” to 1477 or dial *1477# to request a loan.

2. How much can I borrow?

NTC usually provides Rs. 10 to Rs. 20 as emergency balance, depending on your usage pattern.

3. Can I use the emergency balance for internet?

Yes, the loan balance can be used for calls, SMS, and mobile data.

4. Do I have to pay extra charges?

No, the Namaste Credit service is completely free. No service charges apply.

5. Who is eligible for the NTC loan service?

Only prepaid users with an active NTC SIM older than 3 months are eligible for the loan.

6. Can postpaid users get a balance loan?

No, this service is only available to prepaid SIM users of Nepal Telecom.