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How to take a loan in Ntc | Sapati Service, Activation Code

How to take the Ntc loan Sapati service?

Nepal Telecom launches Ntc Loan Sapati service to allow GSM prepaid customers to make a call even when there is no balance. And the best part is the service is available free of charge. Let’s learn below the process of how to subscribe/take the service aka Namaste Credit and find the FAQs below.

Also, Read How to subscribe Missed Call Alert in Ntc?

Previously, the service was available in Ncell for a long time but now the Nepal Telecom prepaid customers can get a credit talk time of Rs 5 to Rs 20. Furthermore, the service will be different for each customer and NTC will not charge any amount for providing the service.

This is like an added value for the customers. If customers do not have enough balance to make a call and an immediate recharge is not possible, this credit service comes in handy for an emergency situation.

You can take the Ntc loan as many times as you want, but it requires you to clear the old amount. However, the loan service differs from Ncell as they provide it free of cost whereas Ncell charges you some service charges. Find more information about Ncell Double Sapati Offer.

Only the loyal customer with Ntc SIM card older than 3 months will be able to use the loan service.

Features of Ntc loan service

Here are the features of the NTC credit service/loan.

  • No Call drop: If you activate the Ntc loan service, then your call will not drop due to no balance issue. Similarly, there will be no extra charges for the activation of the loan service.
  • Credit balance depends on the used-up balance from the account.
  • The same credit will be cut from your mobile phone account in the next top-up.
  • The credit will recover partially when the top-up is less than the loan amount, but it should cross 60%.
  • Shortcode used for the Credit service is 1477.

READ How to divert/forward/transfer and hold Calls in Ntc?

How to take a loan in Ntc?

To take the loan in Ntc, you need to

  • Go to your message box
  • Type Start and Send it to 1477
  • You will get an activation message if your SIM card is more than 3 months old.
How to take loan in Ntc?

Whereas, to get information about the loan Sapati service, customers need to

  • send a message status to 1477

Likewise, to stop the Nepal Telecom loan Sapati service, customers need to

  • send a message stop to 1477

The loan service is only available for prepaid customers who have been active for more than 3 months. NTC will take back the balance provided by the credit service from your balance in the next recharge. However, you can use the same balance for calls, SMS, and data browsing.

Do check: How to transfer balance in NTC?

FAQs related to Ntc loan

Ever since the loan service was announced, we have been getting a lot of questions regarding it.

Ntc loan service

Check out: Activate Ntc Friends and Family Service (FNF) free for discounted call

So, here are the Frequently asked questions (FAQs) for the Ntc loan aka Namaste Credit.

1. How much loan can I get with the Ntc Credit service?

They calculate the credit amount for each customer based on their loyalty that is the usage of their network. They are providing loans from Rs 20 to Rs 5. So, the amount of credit depends upon the usage of the network, recharge frequency/amount, and the age of the SIM card

2. How to take/get the NTC loan?

To take the Ntc loan, the subscriber needs to send an SMS “START” to 1477. This is a loyalty-based service, so please stay connected to the Nepal Telecom network for maximum benefit from this service.

3. What is the cost of the loan service?

NTC credit loan service is free that is it comes without any additional service charge. Nepal Telecom GSM and CDMA prepaid users can enjoy this service. They will recover only the credited amount from your account with the next top-up.

4. How to check the status of the NTC loan?

To check the status of the NTC credit loan service, you need to send a message STATUS.

5. How to deactivate the Namaste Credit Ntc loan service?

To deactivate Namaste Credit, you have to type STOP and send an SMS to the number 1477. After this, the remaining credit will be deducted and you will get a confirmation message.

6. Can I reactivate the Ntc loan/credit service?

If you want to use the NAMASTE CREDIT facility again, you can always do so by sending a message “START”  to 1477.

7. How do I know my maximum loan credit Limit in Ntc mobile?

To check max CREDIT, please type STATUS and Send SMS to 1477.

8. How do I know my remaining loan balance in Ntc SIM?

To check the loan/credit balance, please type STATUS and Send SMS to 1477.

9. How do I know my Ntc loan credit debt which I had used?

To check the used CREDIT debt, please type STATUS and Send SMS to 1477.

10. Is the loan only for GSM users?

No, Ntc loan service is available for all prepaid users of Nepal Telecom, in GSM and CDMA.

11. How can I use the credit balance in Nepal Telecom?

The credit or loan balance can be used for voice calls, SMS, and data use.

12. Can I transfer my Ntc credit balance to someone else?

No, you cannot transfer the credit balance to someone.

13. My credit balance in Ntc is different from my friend, why is that?

NTC will assess each account based on loyalty and determine the credit limit for each of them.

14. Why I cannot get the Ntc loan service?

To get the loan service, you need to have a SIM card that is older than 3 months. That is, if you take a sim card now, you can get the loan service after 3 months of usage.

15. How to increase my credit loan limit in Ntc?

To increase the loan amount, you need to the loyalty by continuously using Nepal Telecom services and top-up regularly.

16. Can I buy data pack or voice pack or SMS pack with the loan?

Yes, you can buy the data/voice/SMS pack with the Loan amount.

Don’t forget to read the latest data packages in NTC.

Tell us if you have any queries about the Ntc loan service and the process to take, in the comment below?

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