How to Take a Loan in Ncell | Ncell Sapati Guide 2025

Hello friends! In today’s article, we will discuss how to take a loan from Ncell through the Ncell Sapati service. If you are an Ncell user and ever find yourself with a zero balance, don’t worry! Ncell provides the option to take an emergency loan, called Ncell Sapati, to help you out.

In this guide, I will walk you through the steps to take a loan from Ncell, how to repay it, the eligibility criteria, and the charges involved. Let’s dive in without any delay!

What is Ncell Sapati Loan?

Ncell Sapati is an emergency loan service offered to prepaid Ncell customers in Nepal. When your balance is exhausted, you can use this service to instantly get balance or data. The service is available to users who have been using Ncell for more than 30 days.

Features of Ncell Sapati Loan

• Emergency Loan: Provides immediate balance or data.
• No Document Verification: You don’t need to submit any documents to take the loan.
• Instant Loan Credit: The loan is credited to your account right away.
• Automatic Repayment: Repayment is automatically deducted when you recharge your account.

Eligibility Criteria for Ncell Sapati Loan

To be eligible for the Ncell Sapati loan, you must meet the following conditions:

Criteria	Description
Minimum 30 Days of Usage	Your Ncell prepaid number must be at least 30 days old.
No Outstanding Loan	You must not have any pending loans on your SIM card.
Low Balance	Your balance should be 5 NPR or less.
Previous Loan Repayment	You must have used Ncell Sapati before and repaid the loan.

How to Take a Loan from Ncell Sapati?

Taking a loan from Ncell Sapati is a simple and quick process. Below are the steps you can follow to easily access the loan service. You can use multiple methods to get the loan, and each one is designed for your convenience. Let’s take a look at the different methods:

1. Taking a Loan via USSD Code

If you want to quickly take a loan without sending any SMS, you can use the USSD code:

Steps to Get Ncell Loan via USSD Code:

1. Open the dialer on your phone.
2. Dial *9988#.
3. You will see three options:
   • Option 1: 40 NPR balance
   • Option 2: 1GB Data (for 3 days)
   • Option 3: 90 minutes of voice pack (for 3 days)
4. Choose the option that suits your needs.
5. The loan will be credited to your account instantly.

2. Taking a Loan via SMS

You can also take a loan by sending an SMS:

Steps to Get Ncell Loan via SMS:

1. Open your messaging app.
2. Type START.
3. Send the message to 9988.
4. You will receive a confirmation SMS, and the loan will be added to your account.

3. Taking a Loan via Ncell App

If you use Ncell regularly, you can also take a loan via the Ncell app:

Steps to Get Loan via Ncell App:

1. Download the Ncell App from the Google Play Store or Apple App Store.
2. Log in using your Ncell number.
3. Select the “Sapati” or “Emergency Loan” option.
4. Available loan options will be displayed.
5. Choose the loan according to your needs and confirm.

Ncell Loan Charges and Repayment Process

When you take a loan from Ncell Sapati, there are some charges associated with it. These charges will be automatically deducted along with the loan repayment when you recharge your account. Below, we’ll break down the loan charges and how the repayment process works:

Ncell Loan Charges

When you take a loan, there are additional charges that are automatically deducted along with the loan repayment.

Loan Amount	Loan Charges	Total Repayment
40 NPR	2.48 NPR	42.48 NPR
1GB Data	5 NPR	105 NPR
90 Minutes	4 NPR	94 NPR

Repayment Process

Repayment of the loan is automatic. When you recharge your account, the loan amount and service charges will be deducted from the balance.

If you haven’t repaid the loan, you won’t be able to take another loan until the previous one is cleared.

How to Stop the Ncell Loan Service?

If you don’t want the loan to be taken automatically or want to stop the Sapati service, follow these steps:

1. Stopping the Service via USSD Code

1. Dial *9988#.
2. Select Option 2: ‘Stop Sapati Service’.
3. The Sapati service will be disabled on your number.

2. Stopping the Service via SMS

1. Type STOP.
2. Send it to 9988.
3. You will receive a confirmation SMS, and the loan service will be stopped.

FAQs (People Also Ask)

If you have more questions about Ncell Sapati, here are some quick answers:

1. How can I get Ncell Sapati?

Just dial *9988# to get Ncell Sapati.

2. What is the service charge for Ncell loan?

The service charge for Ncell loan/Sapati is 2.48 rupees.

3. Who can use Ncell loan service?

Anyone using a Ncell prepaid SIM for at least 30 days can use the loan service.

4. How can I check my remaining loan amount?

Dial *901# or *101# to check your remaining loan balance.

Conclusion

I hope this guide helps you understand the process of taking a loan from Ncell. In today’s fast-paced world, mobile balance is essential, and it can run out during an emergency. In such cases, Ncell Sapati is a very useful service that provides immediate assistance.

If you are an Ncell user, you can easily take a loan via USSD code, SMS, or the Ncell app. These methods are simple and convenient, allowing you to get the balance you need and repay it later when you recharge.

I hope you found this guide helpful! If you did, please share it with your friends so they can benefit as well. If you have any questions, feel free to leave them in the comments section, and I’ll try to respond as soon as possible.

Thank you so much for reading this article.