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from KGS 20000
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KGS
from 22*%
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Loan amount: from KGS 20,000 to KGS 1,000,000
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Term: from 3 to 60 months
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Interest rate: from 22% per annum
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Effective interest rate: from 24.09%
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The loan is provided to implement energy-efficient and water-saving technologies under the KyrSEFF program, including:
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• installation of energy-efficient windows, glazing of loggias and balconies;
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• insulation of walls, roofs, and floors;
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• installation of heat pumps for heating and cooling;
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• installation of ventilation systems with air heat recovery;
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• installation of energy-efficient lighting (LED);
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• installation of air conditioners (split systems class A+ and above);
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• installation of solar systems (collectors, photovoltaic panels);
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• implementation of water-saving technologies (mixers, shower heads, efficient toilets, rainwater harvesting systems, drip irrigation);
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• purchase of refrigeration and freezer equipment class A+ and above;
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• other measures aimed at improving household energy efficiency and water savings in accordance with KyrSEFF program requirements.
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The full list of eligible equipment and measures is available at: www.kyrseff.kg
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Additional benefits
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By applying for the loan, you receive:
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• free technical support;
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• consultation from a KyrSEFF program specialist;
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• the opportunity to receive a grant of up to 10% of the investment amount upon successful implementation of energy efficiency measures.
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The grant amount is determined individually by a KyrSEFF program specialist depending on the project type and investment volume.
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Collateral
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Flexible approach. Possible types of collateral include: guarantee, movable or immovable property.

Loan Application
Other products
News
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Non-business day in the USA
Please note that September 7, 2026, is a non-business day in the USA. The value date for US dollar payments is September 8, 2026.
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KICB Launches Major Loan Campaign for Small and Medium-Sized Enterprises
To mark its 25th anniversary, KICB has launched a campaign to support small and medium-sized enterprises (SMEs) in Kyrgyzstan. The bank offers entrepreneurs loans designed to help them develop and scale their businesses.
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Bank Branch Hours from September 1 to September 3, 2026
Dear customers, we inform you that due to government events, the Sovetskaya branch at 137 Abdrakhmanov Street, Bishkek, will be closed on September 2, 2026. The branch will resume operations on September 3, 2026.

