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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 about technical work
Dear customers!
Kindly inform you about upcoming scheduled technical works from 10:00 PM to 10:30 PM on June 30th, 2026.
The mobile app, KICB Business app, internet banking (web version) will be temporarily unavailable. -
Opening of new Customer Service Point in Issyk-Kul and Osh regions
Starting from 1st of July, 2026, new KICB customer service points are opened at the following address:
- 99, Manas st., Kyzyl-Suu v., Zheti-Oguz dist., Issyk-Kul region
- 24, Egemberdiev st., Mady v., Kara-Suu dist., Osh region
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KICB has identified the first winner of one million soms!
KICB has announced the results of the first stage of a major promotion marking the bank's 25th anniversary. A ceremony was held to award the winners, where the grand prize of ONE MILLION soms was presented, along with cash certificates worth 10,000 soms each.

