How To Take Ncell Loan/Saapati Offer?

Ncell customers can now enjoy loan/Sapati offer. Earlier customers could only take some balance as a loan but after the COVID induced lockdown, you can also get a voice pack and data pack in the scheme. Earlier, Ncell has doubled the loan amount with the double Saapati offer. The double loan offer now allows customers to get up to Rs 80 as a credit. Find the process below for how to take a loan/Saapati in Ncell.

The amount of balance that a Ncell customer can take as Sapati is Rs 40 and Rs 80. Whereas the worth of Ncell data, voice pack ranges from Rs 10 to Rs 80.

Similarly, the data packages that are available for loan Saapati are 600MB data for 3 days at Rs 40, 1200MB data for 7 days at Rs 80, and 200MB data for a day at Rs 20. Whereas you can also get a voice pack of 15 mins for a day at Rs 10.

Ncell Loan Saapati Offers

Here is the summary of all the Saapati schemes available in Ncell.

Ncell Saapati	Saapati Worth	Service fee (Incl. tax)	What you get in Saapati?	Validity
Balance Saapati	Rs.40	Rs. 2.55	Rs. 40 Main Balance	–
Data Saapati	Rs. 40	Rs. 2.55	600 MB	3 Days
Double Balance Saapati	Rs. 80	Rs. 2.55	Rs. 80 Main Balance	–
Double Data Saapati	Rs. 80	Rs. 2.55	1200 MB	7 Days
Voice Saapati	Rs. 10	Rs. 2.55	15 Min	1 Day
Mini Data Saapati	Rs. 20	Rs. 2.55	200 MB	1 Day

Ncell customers can take this loan only if the main balance gets less than Rs 5. Though they have increased the loan amount, they charge the same amount of Rs 2.55 for all schemes. The amount includes their service charge of Rs 2 + 13% TSC and 13% VAT.

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This sort of loan service helps customers low in balance to continue using Ncell services. Communication is more important during pandemic and disaster periods. Keeping this in mind, Ncell has been providing a broad range of Saapati to their customers.

Any Ncell SIM cards older than 15 days can take the double Sapati/loan. The loan amount can be used to make calls, send SMS to any network, browse the internet, and take other Ncell services. That means they will add the loan amount to the main balance.

Whereas for the loan credits of voice pack, it is applicable for on-net calls only.

How to take a loan/Saapati in Ncell?

READ: How to transfer balance in Ncell?

The Rs 10/20/40/80 balance will be taken by Ncell on the next recharge. If the balance is less than the loan amount, the whole amount will be taken and the remaining to take in another recharge. The service charge for the double loan offer is Rs 2.55 which will also be taken during the recharge.

• To know more information about the Ncell loan offer, customers can dial 9988 and listen to the voice message there.

If the customer does not recharge the balance after using the service, s/he will still be able to enjoy incoming services but will not be able to request another Saapati until the previous credits are cleared.

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Loan or Sapati scheme information

Ncell customers can take the loan/Saapati scheme as many times as they want, but the previous loan should have been cleared.

• To know the remaining Loan amount, customers need to dial *901#.

This sort of Sapati service comes in handy in the emergency period especially at night times or in areas where recharge cards or top-ups are not available. The service is still popular among low-paying students for the continuation of the services in case of insufficient balance.

If you compare this with the Ntc loan, Ntc does not take any service charge that is it comes for free. Whereas Ncell charges Rs 2.55 for the double loan. But Ntc only provides a credit amount from Rs 5 to Rs 20 depending upon the loyalty of the SIM card.

Also Read: How to take loan in Smart Cell>>

Tell us what do you think of the Ncell loan and the process to take the Saapati schemes. Did you ever take the loan from the telecom operator and paid it later, please comment below.