How to Take a Loan in NTC : Simple Step-by-Step Guide [2025]
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Loan in NTC
Ever been in a situation where you urgently need to make a call, but your phone has zero balance? It’s a common problem, but thankfully, Nepal Telecom (NTC) has a convenient solution for its prepaid users: the NTC Sapati, officially known as Namaste Credit.
This service allows eligible users to borrow a small amount of credit to make calls, send SMS, or use data when their main balance is low. In this guide, we’ll walk you through everything you need to know about how to take a loan in NTC, from the eligibility criteria to the step-by-step process.
What is NTC Namaste Credit?
Namaste Credit is a loan service provided by Nepal Telecom that offers credit amounts ranging from NPR 40 to NPR 200. This service is designed to be a lifesaver in emergencies, ensuring you can stay connected even with an empty wallet. The credit you borrow is automatically deducted from your next recharge.
Eligibility Criteria for NTC Sapati
Before you can take a loan, you need to meet a few simple requirements set by NTC:
- SIM Card Type: You must be an NTC prepaid user (GSM/CDMA). This service is not available for postpaid users.
- SIM Card Age: Your SIM card must be at least 3 months old.
- Usage History: You should have a consistent usage history, meaning you regularly recharge and use NTC services.
How to Take a Loan in NTC: Step-by-Step Process
Getting a loan from NTC is incredibly simple. Just follow these steps using the USSD service, which means you don’t even need an internet connection.
Step 1: Open Your Phone’s Dialer
Unlock your phone and go to the keypad where you dial numbers.
Step 2: Dial the NTC Sapati Code
Type the USSD code for Namaste Credit, which is:
*1477#
Step 3: Press the Call Button
After dialing the code, press the call or send button. A menu will appear on your screen.
Step 4: Select the Loan Amount
The menu will display the credit amounts you are eligible for. You can choose from the available options. The loan amount you are offered depends on your usage history.
Step 5: Confirm Your Request
Follow the on-screen prompts to confirm that you want to take the selected loan amount.
Once you confirm, the loan amount will be instantly credited to your main balance. You will receive an SMS from NTC confirming the transaction.
Loan Amounts and Service Charges
The NTC loan service is interest-free. However, a small service charge is applied when you take the credit. This charge is deducted along with the loan amount on your next recharge.
| Loan Amount (NPR) | Service Charge (NPR) | Total Deduction (NPR) |
| 40 | 2 | 42 |
| 80 | 4 | 84 |
| 120 | 6 | 126 |
| 160 | 8 | 168 |
| 200 | 10 | 210 |
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How to Check Your NTC Loan (Credit) Status
If you want to check how much credit you have borrowed, you can use the same USSD code:
- Dial
*1477#. - Select the option for checking your credit status from the menu.
- The system will show you your outstanding loan amount.
What is the NTC loan number?
The official USSD code to get an NTC loan is *1477#. This is the number you need to dial to access the Namaste Credit service.
Why am I not eligible for an NTC loan?
You might not be eligible if your SIM card is less than 3 months old or if you don’t have a regular recharge and usage history. Ensure you are an active NTC prepaid user.
Is the NTC loan service available for postpaid users?
No, the Namaste Credit (Sapati) service is currently only available for NTC prepaid customers.
How is the NTC loan repaid?
The loan amount, along with the service charge, is automatically deducted the next time you recharge your NTC number.
Can I take another loan if I haven’t paid the first one?
No, you must clear your existing outstanding credit before you can be eligible to take another loan.