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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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Notification of technical work on the part of JSC «IPC»
Dear customers!
We hereby inform you that on the night of July 29th, 2026 from 00:00 a.m. to 00:40 a.m. technical works on the part of JSC «IPC» will be carried out.
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Regarding the temporary suspension of Zolotaya Korona transfers
Dear customers!
Starting from July 29th, 2026, bank will temporary suspend transfers (sending and receiving) via the Zolotaya Korona system. -
Regarding "Zolotaya Korona" transfers
Dear customers!
Starting from July 27th, 2026, Money transfers system "Zolotaya Korona" (sending and receiving transactions) at the bank branches/sub-branches and in the KICB mobile app will be available only in Russian rubles.

