How to Get Jio Data Loan

How to get data loan in Jio

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In today’s world, mobile data is very important. We use it for browsing, social media, watching videos, online classes, work, and many other things. But sometimes, our data gets used up quickly, and we may not have money to recharge right away. For such situations, Reliance Jio offers a helpful service called the Jio Emergency Data Loan. This service lets Jio prepaid users borrow data instantly and pay for it later. In this guide, we will explain everything about the Jio Data Loan, including what it is, who can get it, how to apply, and how to repay it.

What is Jio Emergency Data Loan?

Jio Emergency Data Loan is a special service for Jio prepaid users in India. If you run out of your daily data limit and cannot recharge immediately, Jio allows you to borrow 2GB of high-speed 4G data for just ₹25. This is like a “Recharge Now, Pay Later” option, which means you can use the data right away and pay the ₹25 later when you have money. This service is very useful for emergencies, like when you need data for important work, online classes, or staying connected with family and friends.

Key Features of Jio Data Loan

  • Instant Data: As soon as you activate the loan, you get 2GB of high-speed data to use immediately.
  • Pay Later: You don’t need to pay the ₹25 right away. You can pay it later through the MyJio app.
  • No Hidden Charges: You only pay ₹25 for 2GB of data. There are no extra fees.
  • Valid with Active Plan: The data loan works as long as your Jio prepaid base plan (main recharge plan) is active.
  • Only for Prepaid Users: This service is not available for Jio postpaid customers.

Who Can Get Jio Data Loan?

Not every Jio user can get the data loan. You need to meet certain conditions to be eligible. Here are the requirements:

  1. Jio Prepaid User: You must be a Jio prepaid customer. Postpaid users cannot use this service.
  2. Active Base Plan: Your main Jio prepaid plan (like a monthly or yearly plan) must be active. If your plan has expired, you cannot get the loan.
  3. No Pending Loans: If you have already taken a data loan, you must repay the ₹25 before you can take another loan.
  4. Data Exhausted: Your daily data limit should be used up or very low to qualify for the loan.
  5. Good Account History: Some sources suggest that Jio may check if you have a good recharge history and no pending dues.

If you meet these conditions, you can easily apply for the Jio Data Loan.

How to Get Jio Data Loan?

There are three main ways to get a Jio Emergency Data Loan. You can use the MyJio app, dial a USSD code, or call a specific number. Below, we explain each method step-by-step.

Method 1: Using the MyJio App

The MyJio app is the easiest and most popular way to get a data loan. Here’s how to do it:

  1. Download MyJio App:
    • If you don’t have the MyJio app, download it from the Google Play Store (for Android) or Apple App Store (for iPhone).
    • Open the app and log in using your Jio mobile number.
  2. Go to Menu:
    • Once logged in, look at the top-left corner of the app. You will see a Menu icon (three horizontal lines).
    • Tap on the Menu icon.
  3. Select Emergency Data Loan:
    • In the Menu, find the Mobile Services section.
    • Look for Emergency Data Loan or Emergency Data Voucher and tap on it.
  4. Activate the Loan:
    • You will see an option like Get Emergency Data or Proceed. Tap on it.
    • Then, click on Activate Now.
    • If you are eligible, the 2GB data loan will be added to your account instantly.
  5. Check Data Balance:
    • You can check your data balance in the MyJio app under Usage Details to confirm that the 2GB has been added.

Method 2: Using USSD Code

If you don’t have the MyJio app or enough data to use it, you can use a USSD code to get the loan. Follow these steps:

  1. Open Dialer:
    • Go to the phone dialer on your Jio mobile.
  2. Dial the Code:
    • Dial *5673# from your Jio number.
  3. Follow Instructions:
    • A menu will appear on your screen with options.
    • Follow the on-screen instructions to select the data loan option.
    • Confirm the request, and if you are eligible, the 2GB data will be credited to your account.

Note: Some sources mention that the USSD code might not work for all users. If it doesn’t work, try the MyJio app or the next method.

Method 3: Using a Phone Call

You can also request a data loan by making a call. Here’s how:

  1. Dial the Number:
    • From your Jio number, dial 1299 or 52141.
  2. Follow Instructions:
    • Listen to the automated voice prompts (IVR instructions).
    • Select the option for the Emergency Data Loan.
    • Confirm your request, and the 2GB data will be added if you are eligible.

Note: The availability of this method may vary. If the call option doesn’t work, use the MyJio app or USSD code.

How Much Data Can You Borrow?

As of now, Jio offers 2GB of high-speed 4G data for ₹25 under the Emergency Data Loan service. Some older sources mention that Jio used to offer 1GB loans for ₹11 (up to 5 times, total 5GB), but the current standard is 2GB for ₹25. You can take this loan multiple times, but you must repay the previous loan before applying for a new one.

The data is valid as long as your base prepaid plan is active. If your main plan expires, the loaned data cannot be used until you recharge your base plan.

How to Repay Jio Data Loan?

After using the data loan, you need to repay the ₹25 to clear the loan. You can only repay through the MyJio app. Here’s how to do it:

  1. Open MyJio App:
    • Log in to the MyJio app with your Jio number.
  2. Go to Recharge Section:
    • Tap on the Recharge option in the app.
  3. Select 4G Data Voucher:
    • Look for 4G Data Voucher or Emergency Data Loan in the recharge section.
    • You will see an option like Repay Loan. Tap on it.
  4. Make Payment:
    • The app will show the ₹25 amount you owe.
    • Choose a payment method, such as UPI, debit/credit card, or net banking.
    • Complete the payment to clear the loan.
  5. Confirmation:
    • Once the payment is done, you will get a confirmation message, and your loan will be cleared.
    • You can now apply for another data loan if needed.

Important:

  • You must repay the loan before taking another one.
  • If you don’t repay the loan, Jio may stop you from getting future loans.
  • Some sources say that if you don’t pay for a long time, Jio could take legal action, but this is rare.

Things to Keep in Mind

Here are some important points to remember about Jio Data Loan:

  1. Check Eligibility: Not all users may be eligible. If the MyJio app or USSD code says the service is not available, it means your account doesn’t meet the requirements.
  2. Data Validity: The 2GB data is valid only as long as your base plan is active. If your plan expires, the data loan will also stop working.
  3. No Extra Charges: The cost is only ₹25 for 2GB, which is the same as Jio’s regular 2GB data voucher.
  4. Temporary Solution: The data loan is meant for emergencies. For regular use, it’s better to recharge with a proper plan to avoid depending on loans.
  5. Free Data Tricks: Some sources mention that you can get free data (like 1GB) through the Play & Win section in the MyJio app by answering simple questions. This is not a loan but a free voucher you can try.

Why is Jio Data Loan Helpful?

The Jio Emergency Data Loan is a great option for many reasons:

  • Saves You in Emergencies: If you need data urgently for work, studies, or staying connected, this service ensures you don’t lose internet access.
  • Affordable: At ₹25 for 2GB, it’s a low-cost way to stay online.
  • Easy to Use: You can activate it quickly through the MyJio app, USSD code, or a phone call.
  • Flexible Payment: You don’t need to pay immediately, which is helpful if you don’t have money right away.
  • No Extra Fees: Unlike some loans, there are no hidden charges or interest.

What If You Can’t Get the Data Loan?

If you are not eligible for the Jio Data Loan or the service is not available, here are some other options:

  1. Recharge with Data Vouchers: Jio offers affordable 4G data vouchers starting at ₹15 for 1GB or ₹25 for 2GB. You can buy these through the MyJio app or nearby shops.
  2. Play & Win Free Data: Open the MyJio app, go to the Play & Win section, and answer simple questions to win free data vouchers (up to 6GB in some cases).
  3. Contact Jio Care: If you’re facing issues, call Jio Customer Care at 1800 891 9999 or chat with them on the MyJio app for help.
  4. Borrow Money: Ask a friend or family member to recharge your number temporarily.

Conclusion

The Jio Emergency Data Loan is a very useful service for Jio prepaid users who run out of data and can’t recharge immediately. With just ₹25, you get 2GB of high-speed 4G data that you can use right away and pay for later. You can apply for the loan through the MyJio app, USSD code (*5673#), or by calling 1299 or 52141. Repaying the loan is also easy through the MyJio app. Just make sure your base plan is active, and you’ve cleared any previous loans.

This service is a lifesaver for students, professionals, and anyone who needs internet access in an emergency. So, the next time your data runs out, don’t worry—use Jio’s Emergency Data Loan to stay connected!

Sources:

  • MySmartPrice: Information on Jio Emergency Data Loan features and benefits
  • BuddyLoan: Details on activation methods and eligibility
  • TelecomTalk: Explanation of loan amount and repayment process
  • IndiaToday: Steps to avail and repay the loan

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