Vi (Vodafone Idea) Loan Number 2022 | How To Take Loan In Vi

How to take a loan in Vi vodafone idea
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Sometimes in urgent scenarios, we have no voice call balance in our sim. In those cases, it becomes difficult to call our relatives and friends or anyone else.

For those times, there is something which you can use if you are a Vi user. Vodafone Idea (Vi) has a Chotta credit and in this whole article, I will explain how you can get it easily. 

Generally all service providers give small talktime loans for emergency situations and here we will discuss how Vi provides them.

Let’s take a look at what it is and how this talktime balance loan works in Vi sim. Continue reading to know more about this offer.

What is Vi (Vodafone Idea) Chotta Credit?

Vi (Vodafone Idea) Chotta credit is an offer from Vi for its users when they have no talktime balance in their sim. We all know how calls and sms are important in emergency situations.

But in some cases having no sim balance is not good at all. So, to solve this problem and to help the users, they have created a small loan pack which is named as Chotta credit.

Every user is eligible for this loan and can get this loan under some criteria. There is no limit in getting this loan again and again provided that you have paid your old loan in Vi sim.

Note: After getting this loan you will receive ₹10 in your talktime balance. Once this extra balance is used, you will have to pay this with some interest which is approx 20%. 

Requirements for getting the Vi (Vodafone Idea) loan 

  • If you are a new user of Vi then you have to wait for 90 days after activating your sim number. Once this verification period is over, then you will be eligible for this loan.
  • Every user has to pay interest on the loan which is automatically withdrawn from their talktime balance, once it is above ₹12.
  • There is no need for KYC, this is applicable on both new users and old users. 

Read: Airtel Number Check Code (Latest)

Methods to get Vi (Vodafone Idea) talktime loan

Here are some simple ways by which you can avail this chotta credit offer by Vi. Once availed, you can use this balance to call anyone in all over India.

I have personally tried each method, so feel free to use any of them.

What is Vi (Vodafone Idea) Loan Number Code 2022?

vi vodafone idea loan number code

Vi (Vodafone Idea) offers this loan via a ussd code. This method will take less than a minute to get a ₹10 loan on your Vi number. For taking loan in form of extra balance you will have to use the Vi (Vodafone Idea) loan number *199*3*5#.

If you are unsure about how it is done, then follow the below steps:

  1. Open Calling application on your device. 
  2. Dial *199*3*5# in the dial pad then send it by clicking the call button.
  3. In a few seconds, a dialog box will appear on the screen, now enter “1” in the search bar and send it.
  4. Once done, you will receive a message from Vi about the successful transaction of Chotta credit on your number.

If somehow this code is not working on your sim due to any reasons like technical glitch or network issues, then you can use the alternate code for Vi Chotta credit which is *199*3*5*1#.

The process of using this number is the same as before and you can use the steps given above to use it.

Get Vi (Vodafone Idea) Talktime Loan Via SMS

You can also get the Vi chotta credit by sms. For this you have to send a text message to 144 which is the official Vi (Vodafone Idea) number for this purpose. 

These are the steps for this simple method:

  1. First of all you have to open the Messaging application on your device.
  2. Create a new message and enter ‘Chota Credit’ in the text section.
  3. Send this message to 144.
  4. After this, you will receive a confirmation message from Vi which will contain some more information about this and the validity of this loan credit. 

Note: If this method is not working on your Vi (Vodafone Idea) sim number then you will have to choose other options such as ussd code & customer care.

Take Vi Balance Loan Via Customer Care

Many people don’t know but they can get the chotta credit by calling the Vi customer care as well. I have provided the step by step process below:

  1. Click on the calling application on your device. 
  2. Dial 199 in the dial pad and call.
  3. After calling, a customer executive will connect to your call and they will ask your problem.
  4. Explain to them that you want a Chotta loan in your talktime balance.
  5. Once done, you will shortly receive a message regarding the confirmation of this service from them.

This customer care number is valid all over India. Calling on this number is free of cost for every user and no charges will be deducted from the balance if called on it.

Get Vi Talktime Loan Via Vi Store

This method is the last one, and I won’t recommend it until all of the above ways are not working for your Vi sim.

This method does not require your KYC. But you will have to physically reach the store and then you will be able to get the Vi (Vodafone Idea) Chotta loan. 

  1. Go to the official website of Vi then click on the help menu button.
  2. Press on the Store Locator option. 
  3. Enter your location pin code in the search bar, then find the nearest store
  4. Go to that store which you have selected.
  5. Ask help from the staff regarding the Vi loan activation and they will help you.

How to Check the History of Chotta Credit in Vi?

The simplest way to check the history of Chotta loan of Vi (Vodafone Idea) is through the official ussd code. This method saves time and will provide instant information.

Take a look at the below steps to check Vi loan history:

  1. Open the calling application on your smartphone.
  2. Dial *199*3*5# in the dial pad then click on the call button for sending it.
  3. A popup box will be displayed on your screen. Now, enter “2” in the search bar and send it.
  4. After this you will be able to see your history of Vi Chotta credit loan.

In a short way, You can also use another ussd code *199*3*5*2#. This is also allowed by Vi for the same purpose.

Note: If you have never got this loan or you are a new user of Vi then there will be no data displayed in the history section when you will apply the above code.


I have explained all the possible ways by which to get  Vi (Vodafone Idea) Chotta credit loan for your emergency. You will be able to use it as your talktime balance.

Once activated, you will easily get this loan of ₹10 in your sim. I hope that this post helped you in understanding this important offer. 

If you are having any doubt or problem in any method then you can simply contact us or comment below. We will contact you or reply to your comment soon.

FAQ- How to get loan in Vi (Vodafone Idea) 2022

  1. What is the best way to get a Vi Chotta loan?

    The best way to get this loan is to use the ussd code. The steps for which are given on our website-

  2. How much will I be charged for the Chotta credit of Vi?

    You will be charged ₹12 for using this service. This loan’s interest does not vary on the basis of new users and it is the same for every user.

  3. Can my friend pay for my Vi loan?

    No, you cannot use another Vi user’s talktime balance to pay for it. This is currently not supported by Vi.

  4. How can I get ₹10 loan from Vi?

    Vi already provides ₹10 in the form of loan under their Chotta credit pack. Just follow the ways given in this article to activate it.

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