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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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The KICB promotion for holders of Mastercard Black Edition cards
Holders of KICB’s Mastercard Black Edition cards receive a discount of up to 450 soms on each order. -
KICB’s promotion: “Free transfers to China and more than 80 countries around the world”!
KICB launched the “FREE transfers to China and more than 80 countries worldwide” campaign via the Money Express system of the China Union Pay payment system. -
Regarding the operating hours of sub-branch №046-00-49 “Autocentre”
KICB kindly informs you that on October 1, 2026, the cash desk in the Lexus Center building, located at 1/2b Gorky Street, Bishkek, will be closed.

