Its very easy for anyone.
Just dial #247# from your mobile. You can avail loan facility when you have mobile credit from zero to Rs. 5.
You will get credit loan of Rs 30 which you can use upto 7 days.
Mobitel will charge Rs 2 along with taxes and levies in terms of processing fee. Thses Rs 2 plus taxes will be cut when you will recharge your mobile credit.