Sometimes you may run out of balance when you need it the most, like during an important call or when trying to send a message. To help in such situations, Ncell gives a loan service for prepaid users. This service is called Sajilo Loan.
You can simply dial *9988# on your mobile’s dialer and choose your preferred option to take a loan in Ncell. For a detailed process, you can read the following details.
With this, you can borrow a balance from Ncell and pay it back later when you recharge. It’s fast, easy, and works even if your balance is zero.
In this blog, you’ll learn who can take the loan, how much you can get, and how to take loan in ncell.
Who Can Take Ncell Loan?
Not everyone can use the Ncell loan service. There are some basic rules to follow to be eligible to take an Ncell loan.
The following are the cases when you are eligible to take an Ncell loan:
- Your SIM must be at least 1 month(30 days) old.
- You must have your balance less than Rs. 5
- You must be a prepaid Ncell user.
The following are the cases when you are not eligible to take an Ncell loan:
- If you are a postpaid Ncell user, you can’t take an Ncell loan.
- If you have already taken a loan and haven’t paid it back, you can’t take a new one.
How To Take Loan In Ncell: Steps
Taking a loan in Ncell is very simple and easy. You have to just follow the following few steps, and you are ready to go with your pending chat or phone call, or anything you were doing.
- Open the Phone/Dialer on your mobile
- Dial
*9988#or*123*8# - Then you will see various options like Unlimited Data, Unlimited Voice Call, Balance Sapati, etc.
- Enter the number listed next to your preferred option and click Send.
- Then you will receive your requested loan.
Loan Charges, Repayment & Rules
| Saapati Type | Saapati Value | Total Cost (Saapati + Fee) | What You Get | Validity (Days) |
|---|---|---|---|---|
| Balance Saapati | Rs. 40 | Rs. 42.48 | Rs. 40 Main Balance | – |
| Voice Saapati | Rs. 50 | Rs. 52.48 | Unlimited Ncell to Ncell Voice (5 AM – 5 PM) | 3 |
| Data Saapati | Rs. 50 | Rs. 52.48 | Unlimited Data | 1 |
| Data Saapati | Rs. 99 | Rs. 101.48 | Unlimited Data | 3 |
| Data Saapati | Rs. 65 | Rs. 67.48 | 2 GB Data | 3 |
Additional information:
- The service fee for all Saapati packages is Rs. 2.48, which is included in the total cost shown above.
- To activate any Saapati package, dial:
*123*8#or*9988#on your Ncell phone. - You will have to pay extra service charges when you recharge your SIM to cover the Saapati service fees.
How Saapati Payment and Deductions Work
When you recharge your phone next time, Ncell will automatically take back the Saapati amount plus the service fee from your new balance.
- If your new recharge amount is less than the Saapati you took, Ncell will use the entire balance and deduct the rest when you recharge again.
- Even if you haven’t recharged yet after using Saapati, you can still receive calls and messages, but you cannot take another Saapati until you fully repay the previous one.
This system helps make sure you always pay back what you borrowed before getting a new Saapati.
FAQs
Can I take an Ncell loan if my balance is zero?
Yes! You can take a loan even if your balance is zero, as long as you meet the eligibility criteria, like SIM age and usage.
Is the Ncell loan service available for postpaid users?
No, the loan service (Sajilo Loan) is only for prepaid Ncell users.
How many times can I take a loan from Ncell?
You can take a loan only after you have fully repaid any previous loan and service charges.
What happens if I don’t repay the Ncell loan on time?
If you don’t repay the loan by recharging, you won’t be able to take another loan until the previous one is cleared. Incoming calls and messages will still work.
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