Capital First Personal Loan
Capital First Personal Loan can be used at various circumstances such as purchasing furniture/ fixture, business expansion, medical emergencies, purchasing vehicles, renovation of house or office, higher educational expenses, working capital requirements for business, etc. Capital First is an NBFC that basically renders debt financing services to individuals and MSMEs in India. With the help of analytics and cutting edge technology, the NBFC has initiated a new model of MSME finance (Capital Finance).
Capital First Personal Loan Details
| Capital First Personal Loan Details Updated in 2024 | |
|---|---|
| Loan Amount | Rs.1 lakh to Rs. 25 lakhs |
| Loan Tenure | 1-5 Years |
| Interest Rate | 12% to 18% |
Why Choose Capital First Personal Loan?
- Same interest throughout the duration.
- Simple documentation and the personal loan then gets processed faster.
- The customers can pay off the loan in easy instalments every month and can repay it via auto debit or PDC or ECS.
- You can check out personal loan eligibility and Capital First EMI calculator
Capital First Personal Loan Features:
National Info provides all the information about personal loan by Capital First.
- Interest rate ranging from 12% to 18% is applied on such a loan on monthly reducing basis.
- Processing fees levied by the company of up to 1.5%
- One can avail a loan for up to 5 years.
- Pre-closure charges of 5% (plus applicable taxes) of the principal amount outstanding are applied on pre-closure which is permitted only after 6 months of availing the loan.
- There is no requirement of any third party guarantee.
Customers who wish to avail a personal loan from Capital First or those who have an existing loan can contact IDFC first customer care unit of the bank at 1860 500 9900 from Monday to Saturday between 9:00 a.m. and 8:00 p.m. To check the status of their personal loan, customers can contact the customer care unit at 1800 103 2791
Capital First Personal Loan Key Features 2024:
| Eligibility Criteria | Details |
| Age | 23 to 58 yrs(at loan maturity) |
| CIBIL | 750 |
| Capital First Personal Loan Interest Rate | 10.49% per annum |
| Lowest EMI per lakh | Rs. 2149 |
| Tenure | 12 to 60 Months |
| Capital First Personal Loan Processing Fee | up to 3.5% |
| Prepayment Charges | Decided by bank |
| Part Payment Charges | Decided by bank |
| Minimum Loan Amount | Rs. 1 lakh |
| Maximum Loan Amount | Up to Rs. 40 Lakh |
Capital First Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score | 750 or above |
| Age | 21 to 58 yrs |
| Min Income | Rs. 15,000 to Rs 25,000 |
| Occupation | Salaried/Self-Employed/Pensioner |
Capital First Personal Loan Interest Rate and Charges
| Capital First Personal Loan Interest Rate | 10.49% per annum |
| Capital First Personal Loan Processing Charges | Up to 3.5% |
| Prepayment Charges | NIL |
| Stamp Duty | NIL |
| Cheque Bounce Charges | As per Bank |
| Penal Interest | As per Bank |
| Floating Rate of Interest | NIL |
Capital First Personal Loan Documents:
| Form | Duly filled and signed application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhaar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Proof of permanent residence Ration card, Bank Account Statement, Latest Credit Card Statement |
| Proof of Income | ITR: Last two financial years( For self-employed)> Salary Slip: Last 6 months (Salaried Employee)> Bank Statement: Last 3 months |
Capital First Personal Loan Compared to Other Banks
| Particulars | Capital First | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | ICICI Bank |
| Interest Rate | 10.49% | 10.49% to 21.50% | Starting from 12.99% | 15.75% to 24% | Starting from 10.49% | 10.50% to 19.25% |
| Tenure | 12 to 60 Months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months |
| Loan amount | Up to Rs. 40 lakh | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Up to Rs. 20 lakh |
| Processing Fee | 1.50% to 2% of the loan amount | Up to 2.50% of the loan amount | Up to 3.99% of the loan amount | Up to 2% of the loan amount | Up to 3% of the loan amount | Up to 2.25% of the loan amount |
Why should you apply for Capital First Personal Loan with us?
- National info is the leading helpline in India
- Less paperwork is required for your ease
- Fast Approval will be provided
You can call at for any query.
How to Calculate EMIs for Capital First Personal Loan?
There is a requirement of the following information to calculate Nainital Bank Personal Loan:
EMI:
- The amount of the loan is required
- The Interest Rate of your loan
- Tenure of your loan
Substitute the values in the calculator below and find your monthly EMIs
Capital First Personal Loan EMI Calculator:
[CP_CALCULATED_FIELDS id=”8″]
Capital First Personal Loan Processing Time
- Fast processing
- It needs less paperwork
- A processing fee starts from 1.50% to 2% of the loan amount
Capital First Personal Loan Preclosure charges
Is your fund ready? Then you can apply for Preclosure. For more details can make a call or visit the branch.
Capital First Bank Personal Loan Overdraft Facility
An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like manner reimburse the got out totally at whatever point the condition is ideal. From this time forward, it is possibly the most favoured credit choices that benefitted to meet changing individual supporting necessities unbounded.
Apply for an overdraft office as a Capital First Bank lone unforeseen new development. The flexible improvement office has all the tremendous highlights of a slight overdraft credit.
Different Personal Loan Offers by Capital First Bank
Home Loan
Capital First offers the best personal loan for a home:
- Your minimum age should be 21 yrs
- And the maximum age should be 60 yrs
- Regular Income applicants are a must for the Home Loan
- Earn more than the required monthly income for ease in the approval
Personal Loan for Government Employees
- Capital First offers personal loans to all the Govt. employees.
- The amount of the loan depends on the company you work for.
Education Loan
- Capital First offers Education loans up to Rs 10 lac in India and Rs 20 lac to study Abroad
- Your loan limit should be above Rs 4.00 lac
- Max Loan to study in India is Rs 10 lac.
- Max Loan to Study Abroad is Rs 20 lac.
Personal Loan for Pensioners
- Processing charge is 1% to 2%
- Very Affordable Interest Rate
Personal Loan Balance Transfer
- Personal Loan balance transfer means the borrower transfer the sum to other institutions.
- Low-interest rates.
- Long repayment tenure.
Capital First Personal Loan Top Up
Capital First personal loan provides top-up that means an additional amount on the existing loan.
Capital First Personal Loan Status
- Visit the site of this bank.
- Check the eligibility.
- Fill the form with your information.
- Our managers will contact you.
How to Apply for Capital First Personal Loan?
There is less requirement for paperwork. It helps in saving your time and you get your loan approval faster.
Availing a personal loan is very simple; all you have to do is to:
- Visit the website of Dialabank and fill the application form.
- You will get a call from us.
- Our instructors will guide you through the entire process and tell you each detail of the loan.
Capital First Customer Care Number
To check the status of their personal loan or to avail a personal loan, customers can dial 1800 103 2791 or for any other query, grievance or feedback related to personal loans, customers can dial 1860 500 9900
Features of the Capital First Customer Portal
Listed below are the key functions customers can carry out on the Capital First customer portal:
- Customers can download their loan statements, No Objection Certificate, Repayment Schedule, Welcome Letter, interest certificate, etc.
- View their personal loan details.
- Make EMI payments.
- Update their contact details.
- Download the Capital First mobile app.
- Log in to their bank account using their user ID and password.
Capital First Customer Grievance Redressal
Call: You can get in touch with the PNO over the telephone through this number – 1860 500 9900 or send a mail to Pno@idfcfirstbank.com.
Capital First Customer Care Branches in India
Listed below are the main branches of Capital First in India: (Visit us between Monday to Saturday 9:30 AM to 4:30 PM, Branch will remain closed on 2nd and 4th Saturday and on respective State Holidays)
| City | Branch Address |
|---|---|
| Ahmedabad | 111- 113, 1st Floor- Devpath Building Off C G Road Behind Lal Bungalow, Ellis Bridge, Ahmedabad, Gujarat Ground Floor and First Floor, Mondeal Square, Unit No.D, Prahlad Nagar, Ahmedabad 380015 |
| Bangalore | Capital First Ltd., KCA Enclave, 1st Floor, No.582, 80 Feet Road, Police Station Road, Opp. Bethany High School, Koramangala, Bangalore – 560095 Bengaluru -VG Complex – Hesaragatta Road, VG COMPLEX, #.23, 2ND FLOOR, HESARAGATTA ROAD, DEFENCE COLONY, BENGALURU, KARANATAKA 560073 Capital First Ltd., 1234/A, 1st Floor, 1st Cross, 1st Stage 2nd Phase Ext., Chandra Layout, Vijay Nagar, near Chara Layout Bus Stop, Opposite Corporation Bank, Bangalore – 560041 |
| Bhopal | Capital First Ltd., Ground and 1st Floor, Shreeram Tower, Z-7 Near Miracle Hospital, M.P. Nagar Zone 1, Bhopal – 462023 |
| Bhubaneshwar | Bhubaneswar-Modi Bhawan, Entire 1st Floor and part of 2nd floor Modi Bhawan, 178A, Shaheed Nagar, backside of Central Mall, Bhubaneshwar – 751007 |
| Chandigarh | Capital First Ltd., Chandigarh-SCO 47, 1st Floor, Madhya Marg, Sector 26- Chandigarh – 160019 |
| Chennai | Capital First Limited, Chennai – Teynampet Branch Ground floor, New no. 67,old no. 32,Kavignar, Bharathidasan Road, Teynampet, Chennai, Tamil Nadu – 600018 Capital First Ltd., #327/46, 1st Floor, Paper Mills Road, Perambur, Chennai – 600011 (Landmark Opposite Perambur park) Capital First Ltd., Deepthi Towers, No.39/73, 2nd Floor, Red Hills Road, Vinayagapuram, Ambattur, Chennai, Tamil Nadu – 600053 Capital First Ltd., No. 10, 1st Floor, Chandra Arcade Builiding, Duraisamy Pillai Street, West Tambram, Chennai, Tamil Nadu – 600045 |
| Cochin | Capital First Ltd., 1st Floor, Grace Corner, KK Road, Kadavanthara, Opp. Bharath Petrol Pump, Cochin – 682020 |
| Dehradun | Capital First Ltd., Ground Floor and 2nd Floor, Krishna Tower, 59/3, Rajpur Road, Dehradun, 248001 (Uttarakhand) |
| Delhi | Capital First Ltd., Ground Floor, Prem Dohil Sadan, 11, Rajendra Palace, New Delhi 110008 |
| Faridabad | Capital First Ltd., 2nd Floor, NH 131a, Sub Division a, Opp. Banke Bihari Mandir, Railway Road, NH-5, Nit Faridabad-121001, Haryana |
| Guntur | Capital First Ltd., 1st Floor, West Krishna Plaza, Opp. Kalanikethan, Lakshmipuram Main Road, Chandramouli Nagar, Guntur, Andhra Pradesh 522007 |
| Ghaziabad | Capital First Ltd., 1st Floor, 113/19, Navyug Market, Ghaziabad – 251001 |
| Hosur | Capital First Limited, 2nd Floor, GKV Towers No. 28/29, opposite Sub Collector office, Denkanikotta Road, Hosur, Krishnagiri District, Tamil Nadu- 635109 |
| Hyderabad | CAMS India Pvt. Limited, 208, II Floor, Jade Arcade Paradise Circle, Hyderabad, Telangana Capital First Ltd., Door No. 6-3-354, 2nd floor, S B TOWERS, Above Shraddha Ext., Near Nagarjuna circle, Banjarahills Road No.1, Hyderabad, Andhra Pradesh – 500034 |
| Madhya Pradesh | Capital First Ltd., Flat No. 110 1st Floor Tulsi Towers 22/3 South Tukoganj Street No.1 Geeta Bhawan, Square A.B.Road Indore -452001 |
| Jaipur | Capital First Ltd, Ground floor, B-4, Shubh laxmi Tower, Central Spine, Vidhyadhar nagar , Jaipur, Rajasthan 302039 |
| Jodhpur | Capital First Ltd., 1st Floor, Jasoda tower, Main Akhliya Circle, Jodhpur, Rajasthan, 342001 |
| Kanpur | Capital First Ltd.,16/80, D-2 Khemka House Civil Lines Behind RBI Kanpur U.P 208001 |
| Kolhapur | Capital First Limited, Shop No- 75-78 & 99-102, Upper Ground Floor, Raobahadur Vichare Complex, Gemstone, Near CBS Stand, New Shahupuri, Kolhapur- 416001 |
| Kolkata | Capital First Ltd., 7th Floor Block B, Apeejay House, 15 Park Street Kolkata – 700016 |
| Lucknow | Capital First Ltd., Second Floor, Pandit House, 9A, Shahnajaf Road, Lucknow – 226001. |
| Ludhiana | Capital First Ltd., S.C.O. -24, 2nd Floor, Trade Tower, Feroz Gandhi Market, Ludhiana 141001 |
| Mumbai | Capital First Ltd., 1st floor, Shop no.107, Plot no.9, CIDCO Shopping complex, opp. Shiva Complex, Sector 1, Matheran Road, New Panvel, Maharashtra – 410206 Capital First Ltd., Unit No. 13 & 14, Ground Floor, B Wing, Technopolis Knowledge Park, Chakala Road, Opp. Holy Family School, Andheri (East), Mumbai 400069 Jeevan Jyoti Building, Carter Rd 1, Chinchpada Rd, Asara Colony, Borivali East, Mumbai, Maharashtra 400066, India Capital First Ltd., Office no.A/3, A wing, 3rd Floor, Ashar IT Park, Waghle Estate, Thane(West), Maharashtra – 400604 Maitri Park, Building No. 4, Second Floor, Old Viva College Road Near Banjara Hotel, Virar West 401303 |
| Mysore | Capital First Ltd., 657, 1st floor, Siddu complex, Vishwamanava Double road, Saraswathipuram, Mysore 570009 |
| Nagpur | Civil Lines, Nagpur, Maharashtra 440001 India |
| Nashik | Capital First Ltd., 4th Floor, Office No. 401 & 402, Sahayadree Business Park INC, MICO Circle Point, Trambak Road, Tidke Colony, Above Hyundai Showroom, Nashik, Maharashtra 422002 |
| Noida | Capital First Ltd 2nd Floor, Bhagwan Sahai Palace, Main Road, Naya Aawas, Sec-15, Noida-201307 |
| Pondicherry | Vivek Arcade No 40, 2nd Floor, 45 Feet Road, Vallalar Salai, Kamaraj Nagar, Pondicherry – 605011 |
| Pune | Capital First Ltd., Office No. 301, 2nd Floor, Shri Mourya Bhawan, Chinchwad Railway Station- Telco Road, Opposite Doubletree Hilton Hotel, Above Saraswat Bank, Chinchwad, Pune- 411019 Capital First Ltd., 9th Floor, City Tower, Dhole Patil Road, Pune – 411001 |
| Raipur | Capital First Ltd., Office no. 1, 6th floor, DB City Corporate Park, Plot No. 1, Block No. 9, Rajbandha Maidan, Raipur, CG 492001 |
| Rajkot | Capital First Ltd., Office No. B-601 to B-604, 6th Floor, B wing, Opposite Big Bazaar, 150 feet ring road, Imperial Heights, Rajkot – Gujarat – 360005 |
| Salem | Capital First Ltd., No.17, 2nd Floor, Kandaswarna Bhimaratha Arcade, Brindavan road, Fairland, Salem, Tamil Nadu -636016 |
| Surat | Shop no.1, Ground floor, Pyramid Square, Opposite L P Savani School, Adajan, Surat 39500 |
| Trichy | Capital First Ltd., C-87, 1st Floor, Kottai station Road, Thillai Nagar, Trichy, Tamil Nadu – 620018 |
| Trivandrum | Capital First Ltd., Felicity Square, 5th Floor Rear, M G Road Opposite AG’s Office, Statue, Trivandrum – 695001 |
| Udaipur | Capital First Ltd., Office No. 201, 2nd Floor, Apex Chamber, Bank Street, Above Arth Diagnostics Centre, 4-C Madhuban, Udaipur – 313001 |
| Vadodara | Capital First Ltd., 5th Floor, K P Platina, Opp. Vanijya Bhavan, Race Course-Alkapuri, Vadodara, Gujrat – 390007 |
| Vishakapatnam | Capital First Ltd., Door No. 47-10-20/18, 2nd floor, Dwaraka plaza, Dwarakanagar, Visakhapatnam – 530016 |
Capital First Personal Loan FAQ:
- How do I know the EMI date for my personal loan?
- Should I visit the Capital First branch to pay my personal loan monthly installments?
- How do I check if I have completed my personal loan payment?
- Can I shift the EMI payment due date?
- Is it possible to calculate my EMI on the Capital First customer portal?
- Can I apply online for a personal loan from Capital First?
- Do I have to provide any collateral for getting a personal loan from Capital First?
- Is it possible to cancel my loan application after it has been approved? Are there any cancellation charges involved?
- How can I know the EMI to be paid for a personal loan?
- Can I prepay my personal loan before the end of the loan term?