Capital First Personal Loan

Interest Rate starts from 12.99%

Personal Loan From Capital First

A personal loan can come in help for any kind of situation like marriage, vacation, festivals, medical emergency etc. ApnaLoanBazaar provides you the customized and personalized quote for Personal Loan at lowest interest rates from various banks.
Interest Rate starts from
12.99 * %
Processing Fee
1.00 * %
Loan Tenure
Upto 5 Years
Guarantor Requirement
Not Allowed
Pre-Closure Charges

About Capital First

Capital First is a provider of financial service across consumer and wholesale businesses, with aspirations to grow into a significant financial conglomerate. Capital First Ltd. is a Systemically important NBFC with record of consistent growth & profitability. Capital First has a comprehensive product suite to meet multiple financial needs of customers including Consumer Lending, Corporate Lending.


Ranked amongst the top 25 best places to work in Asia by the Great Place to Work (GPTW)
Institute 10 Best Multinational Workplaces in Asia 2015
Best Small & Medium-sized Workplaces in Asia 2015 (50-500 Employees)
25 Best Workplaces in Asia 2015 (500 + Employees)
Awarded in the category of 25 Best Workplaces in Asia 2015 (500 + Employees)
Won the CIO 100 Innovation award for two products - EMI Card and Flexisaver.

FAQs About Capital First Personal Loan

How the eligibility determined?
Personal loan eligibility depends on various factors like, source of income, type of employer or type of business, existing loans, profile of the customer in terms of education, residence locality, type of residence etc. These factors and their weightage differ from bank to bank based on their internal policy. The key factor is the ability to repay the loan.
How do I repay the loan?
Loan repayment will be done by way of equated monthly instalment (EMI). Many financial institutions collect standing instruction/electronic clearance service (ECS) mandate from the customer for the monthly EMI amount and the same will be automatically deducted from the customer’s bank account on a stipulated date. Some institutions may allow the customer to provide Post dated cheques (PDC) for EMI amount. Every month the cheque will be sent for collection.
Can I close the loan before completion of the term or make a part payment?
There is a minimum tenure of 6 to 12 months for personal loan before you close it and the same varies. After this period, many banks allow the customer to close the loan before the contracted tenure subject to payment of a pre-closure charges/ penalty. However, part payment is not allowed in case of a personal loan. Who Can Apply For A Personal Loan? How Much Loan Amount, I Can Apply Or I’m Eligible For?
Who can apply for a Personal loan?
Any individual, either salaried employee or self employed can apply for the same. However the terms & conditions, documentation etc will differ for each individual and also depends on the financial institution. How Much Loan Amount, I Can Apply Or I’m Eligible For?
How much loan amount, I can apply or I’m eligible for?
Banks prefer to restrict the EMI to 30%-40% of your net salary. In other words, you can get a loan up to 2-3 times of your total annual income, subject to your other existing loan obligations.

Required Documentation For Salaried Persons

  • Filled Application Form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Latest 3 months Payslips
  • Job Continuity Proof
  • 2 Passport Size colour Photographs
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate

Required Documentation For Self Employed

  • Filled Application Form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Last 2 years Income Tax Returns
  • Professional/Self employed existence proof for more than 3 years
  • 2 Passport Size colour Photographs
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate

Identity Proof For Personal Loan

  • Passport
  • Driving License
  • PAN card
  • Photo credit card (with embossed Signature and last two months statement)
  • Banker's sign verification

Age Proof For Personal Loan

  • PAN Card
  • Passport
  • License
  • School leaving certificate
  • Voter card
  • Birth Certificate
  • LIC policy (only for age Proof)

Income Proof For Personal Loan

  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)

Job Continuity Proof For Personal Loan

  • Form 16
  • Relieving letter
  • Appointment Letter (for last two months)
  • Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)

Banking History For Personal Loan

  • Bank statements of latest 2 months
  • 3 months bank passbook

Personal Loan Can Be Used For Many Purposes Like Below

Higher Education




Medical Emergency

Home Renovation

Consumer Goods

School Fees

Why To Avail Personal Loans?
Expert Advice
Factors That Affect Interest Rates
Advantages And Disadvantages
10 Things To Keep In Mind
Personal Loan Precautions