How to get Nepal Telecom (NTC) Loan Credit Service

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There are some situations when you really need mobile balance and don’t have a way to recharge. Some people ask their friends to lend them balance but you can’t always haggle them. Also, there may be a situation when there is no place, shop or way to get recharge or top up. For example at night time or at a rural location with no shop. Nepal Telecom (NTC) has solved the problem now. NTC is now providing loan service to its users. The credit providing service is available for all of its customers. Learn the steps on how to get Nepal Telecom (NTC) loan credit service.

Ncell had this service for a while. NTC is now stepping up to provide its customers what they are asking. This service is available for all GSM and CDMA users. The Prepaid user or number must be at least 3 months old to qualify. NTC Credit service allows a maximum of Rs 40 as a loan to the customers. The settlement is done by deducting the balance from the next recharge.

The company is marketing this as “No Call Drop, No Extra Charges”. This means that the company isn’t going to charge you an extra tariff. Available credit can be used for call, SMS or data. This means people can continue their communication as they like and need. It is already open for all users automatically. By the way, people get the credit only when requested. One great feature about Namaste Credit is that the calls aren’t cut or interrupted when balance finishes. They let us talk for a certain time and keep credit record. It is paid when we recharge or top up.

How to get NTC Credit or loan service

To start the service people just have to type START and send the SMS to 1477. To stop the service they should type STOP and send SMS to 1477. The maximum credit amount and status can be checked by using code STATUS. It is a free service and we see no point of pausing it. In order to reactive, follow the activation process again.

Related: How to take Ncell double loan?

There is no special way to pay back the credit. The settlement amount is automatically deducted in next recharge or top-up. NTC has set a different credit limit for each number. This is done by assessing the account or numbers balance status. Thus people can have a different ceiling for getting the loan. The company advises customers to use more of their service to increase the credit limit.

Benefits of Namaste Credit

This is a very important service and it is highly beneficial. The credit service helps us continue our calls even when the balance is over. In the past, NTC used to cut off the service or call in between. Everyone hates cutting of important calls. This is very irritating and it can be a headache if there is no place to top up your phone nearby.

Also Read: How to activate NTC Friends and Family Service

The credit service solves this issue. People are now getting the service that was necessary since the beginning. We can now continue with our calls after our balance diminishes as well. The company recovers debt from the next recharge. NTC takes a partial amount if the new top-up is insufficient.

There are many benefits of NTC loan sapati to users. It all depends on the urgency and situation of a call. Nobody wants a call drop during an emergency call. Nepal Telecom hopes people don’t miss their important calls. This service is very good and welcoming by all its users. There is also balance transfer feature in NTC which is a good service in emergency. The company advises to continually use their service and keep the account in a healthy status to raise the bar. We hope to see better service from Nepal Telecom in the future.


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About the Author: Abhishek Chand

Structural Engineer by profession. Computer and smartphone enthusiast. Tech-savvy blogger and former Gadget reviewer of AP1 HD TV and TechnoNepal.


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