Tata DOCOMO is one of those rare telecom service providers that offer a number of cheap but quality services to their customers. In the start of this year, they also started the Balance loan program under which the user can get a credit loan of Rs. 4, but soon they rolled it back.

But again, they secretly brought it back in Feb 2015, and you may now enjoy emergency credit loans on your DOCOMO prepaid connection!

The procedure

Provided you have the current account balance less than Rs. 5, you are just one simple step away from getting the talktime loan: either dial the toll free USSD *369# on your DOCOMO powered mobile handset or SMS LOAN to 369.

The amount will be recovered the next time you top-up your credit balance with and additional fee of Rs. 1.

Note that your connection must be at least 90 days old to enjoy this facility. You may also like to get talktime loan on more operators.