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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
We hereby inform you that on the night of May 23th, 2026 from 00:00 a.m. to 01:00 a.m. technical work will be carried out.
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KICB has launched a major promotion: «KICB's 25th anniversary – any SWIFT transfer for €25!»
To celebrate its 25th anniversary, KICB has launched a major promotion for all SWIFT users! All individuals, legal entities, and sole proprietors can send transfers to countries in the European Union, the People’s Republic of China, the UAE, the UK, Switzerland, Liechtenstein, Turkey, and other countries via Citibank for a fixed fee of 25 euros.
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Kyrgyz Investment and Credit Bank (KICB) Joins the SME Finance Forum
The Kyrgyz Investment and Credit Bank (KICB) is now a member of the SME Finance Forum, joining its extensive global network on April 2026.

