We often get in trouble with no balance on our phones. When there is no possibility for balance recharge or borrowing from a friend, the Ncell sapati and NTC sapati are the only savior. 

You can also transfer balance in NTC if you don’t have balance.

How to take loan in Ncell ?

Ncell Sapati

We have been using Ncell loan service since the beginning, but on its 5 years of Ncell Sapati, Ncell has strated double sapati. When your current balance is less than Rs. 5, you can get Ncell sapati.

For that, dial *9988# and follow the instructions. The loan amount is a maximum of Rs. 40. Previously, it was 20 rupees, but now Ncell has stated a double sapati offer.

The prepaid customers using their Ncell sim card for more than 2 months are eligible to use the service. The received loan is added to your current balance and will be automatically deducted from your balance the next time you recharge your phone. For a loan of will be charged an extra charge of Rs 2.51 as a service charge. The loan can be used to make calls to any network, SMS, and can use the internet as well. If you don’t recharge your phone right after you take a loan.

To get started with Ncell loan; Dial *9988# on your mobile.

The loaned money can be used for Balance, Data, and Voice will be available with different loan options.

After you complete these two steps, you will get a confirmation message from Ncell confirming your loan.

Who can take Ncell sapati?

Only the prepaid users who have been using the NCELL sim for more than two months are eligible for this service. And they must have a balance of less than Rs 5.

How much amount of Ncell Sapati can we take?

You will be given a loan of an amount up to Rs 80. You can’t get the next loan until you clear your loan.

How much is a charge for the Ncell sapati?

You will be charged along with a loan plus a service charge of Rs 2.51.

How to take a loan in NTC?

NTC announced its sapati(loan) launched service officially on March 2018. Similar to Ncell sapati NTC credit service allows a maximum of Rs 40 as a loan. The prepaid user who has used the sim for at least 3 months is eligible to apply for Ntc sapati. Like Ncell, you can repay the loan the next time you recharge your phone.

ntc sapati

The best thing about NTC loan is that the company claims there will be no extra charges or service charges for the sapati service. You don’t have to pay any additional cost for your credit. The credit or sapati can be used for making calls, SMS to any network, or the internet data package.

The service has just started, and it’s already gaining a good response from its users.

NTC sapati

To activate the ntc  sapati, just type start and send SMS to 1477 and to end this type stop in your message box and send it to 1477. The loan amount is from Rs 5 to Rs 40. NTC sapati can be taken as many times as required, but the user must have cleared the previous loan. NTC has started service late, but its no extra service charge scheme is a step ahead of Ncell.

NTC SAPATI Loan scheme

Nepal Telecom Sapati service scheme called NTC Loan by Nepal Telecom makes it easy to take NTC credit. NT Sapati scheme provides an emergency loan so you can access mobile communication without taking a loan. Previously, NCELL provided the service named NCELL Sapati of Rs. 20 for a sim older than two months with a charge of Rs. 2.51. Due to the competitive market, NTC is bound to start sapati scheme for its customers. Besides, telecommunication companies generate huge revenue on providing sapati service to its customers. NTC Sapati is suppose to be cheaper than NCELL Sapati.

Like Ncell, NTC has also announced that it will soon launch a sapati scheme in NTC. It has also claimed that it will charge very less compared to NCELL. Through this sapati, you can make a call, send SMS and use the data service.

We are calculating for NCELL Sapati. The charge is 2.51 for 20 rs. So, the percentage of interest is 2.51/20= 12.55%.

But, we pay sapati amount within an hour or a day. You pay your sapati balance each time you pay 12.55% more than what you took as a loan from NCELL.

Sapati balance is very much helpful during emergency circumstances. Usually, recharge cards might not be on our approach, depending on our location. During that time, we can take sapati service to make an emergency call or use sapati balance for data or SMS. Namaste balance transfer is also known as NTC Sapati.

How to take NTC Sapati?

This article provides easy steps to activate the Nepal Telecom Loan scheme. It is easy to activate NTC Sapati.

Type start and send SMS to 1477.