NTC SIM loan guide — how to borrow mobile balance from Nepal Telecom by dialing *1477#
Borrow mobile balance instantly on your NTC prepaid SIM — here's exactly how.

How to Take an NTC Loan: Borrow Mobile Balance in Nepal (2026 Guide)

Running low on balance with no time to recharge? NTC (Nepal Telecom) lets prepaid customers borrow a small amount of credit instantly through its loan service — known as Sapati or Namaste Credit. There's no application form, no documents, and no bank-style approval wait. You dial a code, confirm, and the credit lands on your SIM within seconds.

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Quick answer
Dial *1477# on your NTC prepaid SIM (or send START by SMS to 1477) and follow the menu to borrow balance. The amount is deducted automatically from your next recharge.

What Is the NTC Loan Service?

The NTC loan service is a short-term mobile balance credit for prepaid customers — not a cash loan or financial product. When your balance runs out, NTC advances you a small amount of credit that you can use for calls, SMS, or data. The borrowed amount, plus any service charge, is recovered automatically the next time you top up.

This service has gone by a couple of names over the years, including Sapati and Namaste Credit, but the mechanism is the same: borrow now, repay on your next recharge.

Who Is Eligible for an NTC Loan?

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Prepaid only
Postpaid lines are not eligible for this feature.
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An established SIM
Very new SIMs usually aren't eligible until they build a few months of recharge history.
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No paperwork
No credit score, ID, or income document is required — eligibility is based on usage, not documents.

If the loan option doesn't appear in your USSD menu, it usually means your SIM hasn't met NTC's internal usage threshold yet rather than a fault on your end.

How to Take an NTC Loan: Step-by-Step

1
Dial *1477# on your NTC prepaid SIM.
2
Select the loan/credit option from the menu that appears (wording can vary slightly by update).
3
Confirm the amount offered to you — this is set by NTC and isn't user-adjustable.
4
The credit is added to your balance within seconds — use it for calls, SMS, or data as normal.
5
On your next recharge, the borrowed amount (plus any service charge) is deducted automatically before the rest of your top-up is applied.
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Tip: If *1477# doesn't go through, use the alternative method — send START by SMS to 1477.

NTC Loan Amount and Service Charge

DetailWhat to expect
Loan amountSet by NTC for your SIM — historically in the NPR 20–30 range, though this has changed over time
Service chargeA small fee may be added on top of the borrowed amount
Who sets the amountNTC, based on your account's usage history — not something you can request or increase manually
TransferabilityBorrowed credit cannot be transferred to another number
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Note: NTC has adjusted the loan amount before, so treat the figures above as a general guide rather than a guarantee. Your USSD menu (*1477#) always shows the exact amount and any charge before you confirm — check there for the current number.

How Repayment Works

You don't need to repay the loan manually. The amount you borrowed, plus any service charge, is deducted automatically from your very next recharge — before the rest of that top-up is added to your usable balance. If your next recharge is smaller than what you owe, only part of the debt may be recovered, and the remainder is typically carried over to the following recharge.

How to Check Your NTC Loan Status

Send status by SMS to 1477 to check whether you currently have an active loan and how much you owe.

How to Stop or Deactivate the NTC Loan Service

If you'd rather not be offered balance loans at all, send STOP by SMS to 1477. If you have an outstanding loan at the time, it's typically settled from your existing balance before the service is deactivated, and you'll get an SMS confirmation.

Common Problems and How to Fix Them

*1477# doesn't respond: Make sure you're on an active NTC prepaid SIM with network coverage, then try the SMS method (START to 1477) instead.
No loan option appears in the menu: Your SIM likely hasn't met NTC's minimum usage history yet — this typically resolves after a few months of regular recharges.
Loan amount wasn't fully deducted after recharge: If your top-up was smaller than the amount owed, the remaining balance is usually carried over to your next recharge.
Unsure if you still owe money: Send status to 1477 to check before recharging.

NTC Loan vs. Ncell Loan: Quick Comparison

NTC (Nepal Telecom)Ncell
Activation*1477# or SMS START to 1477Carrier-specific USSD/SMS code (check Ncell's own channels)
Eligible plansPrepaid onlyPrepaid only
RepaymentAutomatic from next rechargeAutomatic from next recharge

Frequently Asked Questions

What is the NTC loan code?

Dial *1477# on your NTC prepaid SIM, or send START by SMS to 1477, to borrow balance.

How much can I borrow from NTC?

The amount is set by NTC based on your usage history — historically a small sum in the NPR 20–30 range. Check your USSD menu for the exact current amount before confirming.

Is there a fee for the NTC loan?

A small service charge may be added to the amount you borrow and deducted together on your next recharge. The exact fee is shown in the USSD confirmation screen.

Can postpaid users take an NTC loan?

No — this service is available to NTC prepaid customers only.

How do I check if I still owe money on an NTC loan?

Send status by SMS to 1477 to see your current loan balance.

How do I stop NTC from offering me loans?

Send STOP by SMS to 1477 to deactivate the service on your number.

Loan amounts, fees, and eligibility rules are set by NTC and can change without notice. Always confirm the current terms in your *1477# menu or the NTC app before borrowing.
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