Credit Management

Dial *232# for Instant Loan

Instant Loan

Ran out of Credit?

Get an instant loan of up to Rs 180 for your Calls, SMS or Internet usage.

Simply dial 232 or *232#.

Eligible customers may receive a SMS or a Call with the allocated loan amount on reaching low balance in your main account.

How much credit can I get on an instant loan?

You can get up to Rs 180 of credit based on your recharge behavior & number of years that you have stayed with the Hutch network.

How do I request a loan?

Method 1

Dial 232 or *232# to check eligibility.

Method 2

You will be notified via SMS or Call on available credit options automatically when your account balance drops below Rs 5.

Am I eligible for this service?

You will be eligible for this service if you have recharged at least Rs. 300 within the last 2 months.

How can I re-pay the loan?

Loan amount will be automatically recovered in following ways when you do a recharge.

Method 1 – Full recovery

If the recharge is sufficient to recover the loan amount & service fee completely.

Method 2 – Partial Recovery

If the recharge is insufficient to recover the loan amount & service fee completely.

Partial Recovery Example: *If your loan amount is Rs 60 & if you recharge Rs 30, Rs 25 will be deducted for the loan & Rs 5 will be credited to your main balance. (Balance outstanding of Rs 35 will be notified via SMS)

How do I check my outstanding loan amount?

Dial 232 and select the outstanding menu.

Can I request another loan without paying the loan back?

Yes. You can activate a loan without paying back the previous loan only if you are eligible for Hutch multiple loan service. Otherwise you have to settle the previous loan to activate a new loan.

Can I get this service for lifetime?

To enjoy this service continuously, make sure to maintain the eligibility criteria mentioned above.

What are the products & services I can purchase using this loan?

You can use the loan to purchase or activate any product or service offered through Hutch. This includes voice calls, SMSs, Data Packs, as well as other Value Added Services.