Emergency Balance
The Emergency Balance Service allows Teletalk subscribers to get loans and use mobile operator’s services with zero or low balance. The service is available through SMS and USSD.
The Emergency Balance service uses the scoring feature to decide whether to give a loan to the subscriber who requests it or not. The subscriber may request the maximum loan available or request a specific loan amount by sending a corresponding command. Subscribers are charged a service fee for using the Emergency Balance service.
Loan Amount and Service Fees
| SMS/USSD Request | Loan Amount, BDT | Service Fee |
|---|---|---|
| Dial *1122# Or SMS “Loan” and send to 1122 | The service uses the scoring to calculate the loan amount available to the subscriber | Free |
| Dial *1122*10# Or SMS “loan 10” and send to 1122 | 10 | 0 |
| Dial *1122*12# Or SMS “loan 12” and send to 1122 | 12 | 1.53 (1.2 BDT service fee + 0.33 BDT SC, SD & VAT) |
| Dial *1122*20# Or SMS “loan 20” and send to 1122 | 20 | 2.55 (2 BDT service fee + 0.55 BDT SC, SD & VAT) |
| Dial *1122*30# Or SMS “loan 30” 1and send to1122 | 30 | 3.83 (3 BDT service fee + 0.83 BDT SC, SD & VAT) |
| Dial *1122*50# Or SMS “loan 50” and send to 1122 | 50 | 6.38 (5 BDT service fee + 1.38 BDT SC, SD & VAT) |
| Dial *1122*0# Or SMS “Loan info” and send to 1122 | Check for the subscriber’s current debt | Free |
* SMS Charge for requesting loan to 1122 short code is free.
Eligibility Criteria
| Loan Bands (BDT) | Min Days (days) | Service fees (excluding VAT+SD+SC) BDT | Average recharge/ Month(BDT) | Recovery Attempts | |
|---|---|---|---|---|---|
| 10 | 180 | 0 | 160 | 240 | On recharge |
| 12 | 180 | 1.2 | 160 | 240 | On recharge |
| 20 | 180 | 2 | 160 | 240 | On recharge |
| 30 | 180 | 3 | 240 | 340 | On recharge |
| 50 | 180 | 5 | 400 | 400+ | On recharge |