Last Updated on June 19, 2026
Summary✨
- Ncell customers can access a loan/Sapati offer, allowing up to Rs 40 balance credit and Rs 99 data packages.
- Various Saapati options include balance, data, and voice loans with service fees of Rs 2.48 for each scheme.
- To take a Ncell loan, dial *9988# and select the type of Saapati needed if the main balance is below Rs 10.
- Customers can utilize the loan for calls, SMS, and internet, paying it back with the next recharge.
- The Ncell loan charges a service fee, while competitors like Ntc offer loans without charges.
Ncell customers can enjoy loan/Sapati offer. Earlier customers could only take some balance as a loan but now you can also get a data pack in the scheme. The loan offer now allows customers to get up to Rs 40 as a balance credit and Rs 99 as a package. Find the process below for how to take a loan/Saapati in Ncell, with the loan code.
Table of contents
Ncell Loan amount
The amount of balance that a Ncell customer can take as Sapati/loan is Rs 40. Whereas the worth of Ncell data pack is Rs 50 and Rs 99, with unlimited data to be used for 1 day and 3 days respectively. While the voice Saapati loan of Rs 50 will provide unlimited day voice minutes for 3 days (5 am to 5 pm)
Ncell Loan Saapati Offers
Here is the summary of all the Saapati schemes available in Ncell.
| Ncell Saapati | Saapati Worth | Service fee (Incl. tax) | What you get in Saapati? | Validity |
|---|---|---|---|---|
| Balance Saapati | Rs.40 | Rs. 2.48 | Rs. 40 Main Balance | – |
| Data Saapati | Rs. 50 | Rs. 2.48 | Unlimited data 1Gb with FUP | 1 day |
| Voice Saapati | Rs 50 | Rs 2.48 | Unlimited day Voice (5 am to 5 pm) | 3 days |
| Data Saapati | Rs. 99 | Rs. 2.48 | Unlimited data with FUP | 3 days |
Ncell customers can take this loan only if the main balance gets less than Rs 10, which was Rs 5 before. Though the balance sapati loan is Rs 40 and package sapati is Rs 50 to 99, they charge the same amount of Rs 2.48 for all schemes. The amount includes their service charge of Rs 2 + 13% TSC and 13% VAT.
✅ How to check own number in Ntc, Ncell?
This sort of loan service helps customers low in balance to continue using Ncell services. Communication is more important in our life. Keeping this in mind, Ncell has been providing a broad range of Saapati to their customers.
Any Ncell SIM cards older than 30 days can take the double Sapati/loan. The loan amount can be used to make calls, send SMS to any network, browse the internet, and take other Ncell services. That means they will add the loan amount to the main balance.
How to take a loan in Ncell?
To take the loan/Sapati in Ncell, you need to follow the following steps.
- Go to your mobile call and dial *9988# (USSD method)
- Choose the one you require. Select options for the balance Saapati or Data Saapati.
- After you dial the above USSD code and select the option, you will get a notification for the loan transfer if your balance is less than Rs 9.
- Please confirm the balance and the package on your mobile after the completion of subscription.
✔️How to transfer balance in Ncell?
The loan balance will be taken by Ncell on the next recharge. If the balance is less than the loan amount, the whole amount will be taken and the remaining to take in another recharge. The service charge for the double loan offer is Rs 2.48 which will also be taken during the recharge.
- To know more information about the Ncell loan offer, customers can dial 9988 and listen to the voice message there.
If the customer does not recharge the balance after using the service, s/he will still be able to enjoy incoming services but will not be able to request another Saapati until the previous credits are cleared.
Ncell Loan or Sapati scheme information
Ncell customers can take the loan/Saapati scheme as many times as they want, but the previous loan should have been cleared.
- To know the remaining Loan amount, customers need to dial *901#.
This sort of Sapati service comes in handy in the emergency period especially at night times or in areas where recharge cards or top-ups are not available. The service is still popular among low-paying students for the continuation of the services in case of insufficient balance.
If you compare this with the Ntc loan, Ntc does not take any service charge that is it comes for free. Whereas Ncell charges Rs 2.48 for the loan. But Ntc only provides a credit amount of Rs 20.
➤➤➤➤How to check Ncell data pack balance, volume?
Tell us what do you think of the Ncell loan and the process to take the Saapati schemes. Did you ever take the loan from the telecom operator and paid it later, please comment below.
