How to Get a Loan from NTC and Ncell in 2025: Easy Guide

Hello everyone, welcome to this article! Today, we will talk about the NTC and Ncell mobile loan services, through which you can easily take a loan on your phone. In my experience, sometimes in our daily lives, we need a little extra balance, data, or a voice pack. In such cases, the loan services of NTC and Ncell prove to be very helpful.

In today’s article, we will discuss in detail the loan services offered by both telecom providers – NTC (Nepal Telecom) and Ncell. You will learn how to take a loan from both companies, what options are available, and what their processes are.

So, without further delay, let’s get started!

What is a Mobile Loan?

First, it’s important to understand what a mobile loan is. A mobile loan is a service that allows you to borrow a certain amount to your mobile number, which is later deducted when you recharge. These loans are usually for small amounts, such as balance, data packs, or voice packs.

Both NTC and Ncell offer this facility to their customers, and you can use these services to meet your immediate needs. These options are quite convenient, and using them is also very simple.

How to Take a Loan from NTC (Nepal Telecom) in 2025?

Now, let’s talk about how you can take a loan from NTC. Through NTC’s Namaste Credit service, you can easily take a loan. My personal experience is that whenever I run out of balance, I’ve used this service, and it has been quite useful.

NTC Loan Options

NTC’s loan service is known as Namaste Credit. Through this service, you can borrow mobile balance. To use it, you just need to follow a few simple steps on your phone. This loan service is available through both USSD and SMS modes.

1. Via USSD Code:

USSD (Unstructured Supplementary Service Data) is a service through which you can request services from your mobile network provider. You just need to dial a shortcode.

Steps to Get a Loan from NTC via USSD:

1. Dial *1477# from your phone.
2. Select option 1 for taking the loan.
3. Done! The loan will be credited to your account.

Loan Status and Stopping the Service:

• Check Status: Dial *1477#, then select 3 to check your loan status.
• Stop the Service: Dial *1477#, then select 2 to stop the loan service.

It’s that simple! You can easily take your loan and check the status.

2. Via SMS:

If you want to take the loan via SMS, you just need to send a simple message.

Steps to Get a Loan from NTC via SMS:

1. Open your Messages app.
2. Type START and send it to 1477.
3. You will immediately receive the loan.

Check Loan Status and Stop the Service via SMS:

• Check Status: Type STATUS and send it to 1477.
• Stop the Service: Type STOP and send it to 1477.

This process is quite easy, and through SMS, you can also manage your loan easily.

How to Take a Loan from Ncell in 2025?

Now, let’s talk about Ncell’s loan service. Ncell also offers a loan facility to its users, known as Saapati. Ncell Saapati is quite convenient, and you can take mobile balance, data packs, or voice packs through it.

Ncell Saapati Options:

Ncell offers several loan options, which you can choose based on your needs. My experience is that whenever I need a data pack or a voice pack, I use this service.

Ncell Loan (Saapati) Details:

Loan Type	Loan Amount	Validity	Benefit	How to Get It
Balance Saapati	Rs. 40	No Expiry	Rs. 40 main balance	*9988*1#
Data Saapati	Rs. 47	3 Days	1GB Data	*9988*2#
Voice Saapati	Rs. 47	3 Days	90 minutes all-net voice	*9988*3#

Steps to Take a Loan from Ncell (Saapati):

1. Open your phone’s dialer.
2. Dial *9988#.
3. Choose the option:
   • 1 for Rs. 40 Balance Saapati
   • 2 for 1GB Data (valid for 3 days)
   • 3 for 90 minutes voice pack

Please note, a service charge of 2.48 rupees will be added when you recharge to pay back the loan.

FAQs on Ncell Saapati:

• How to take Ncell Saapati? Dial *9988# and select the relevant option.
• What is the service charge for Ncell loan? The service charge is 2.48 rupees.
• Who is eligible for Ncell loan service? All prepaid customers who have been using their SIM card for 30 days or more.
• How to check the remaining loan amount? Dial *901# or *101# to check the remaining loan amount.

Comparison Between NTC and Ncell Loan Services

Features	NTC Loan (Namaste Credit)	Ncell Loan (Saapati)
Loan Type	Mobile Balance	Mobile Balance, Data, and Voice Pack
Eligibility	All users with an active number	All prepaid users with 30 days of usage
Validity	Instant Credit, no expiry	Data/Voice packs valid for 3 days
Process	USSD and SMS	Dial *9988# and select option
Service Charge	None	Rs. 2.48 service charge

Conclusion

So friends, now you must have understood how you can easily take a loan from NTC and Ncell. The process for both these services is quite simple, and I can personally say that whenever I needed a loan in an emergency, I’ve used both services, and they have been quite reliable.

Through NTC’s Namaste Credit service, you can take a balance loan, and through Ncell’s Saapati service, you can take a mobile balance, data pack, or voice pack. By using these services, you can easily fulfill your mobile needs.

I hope this article was helpful to you. If you have any confusion or questions, feel free to ask in the comments below. I’m always here to help you!