Capital First Personal Loan - Fees and Charges

A personal loan from Capital First can help you on your path to financial freedom, providing you with finances for a wide variety of repayment options and tenures. The institution will ensure that you receive the maximum loan possible, taking into consideration your CIBIL score, documentation, requirement and repayment history.

  • Interest rate – Your interest rate determines how much more you’ll be paying back to the loan provider than what you’ve borrowed. Hence, a competitively low interest rate is what you should look for when taking a personal loan. Fortunately, Capital First offers loans at competitive interest rates of 15% to 20% for salaried applicants and 22% for self-employed applicants, on a monthly reducing balance model.
  • Processing fees – is a charge levied by the loan provider to meet the costs of processing and approving your personal loan. Capital First charges a 2% processing fee + tax for this purpose.
  • Loan tenure – is an important factor when deciding to take a personal loan. It determines how long you will be paying monthly instalments to clear off your loan. Longer tenures generally come with marginally higher interest rates while smaller tenures have marginally lower interest rates. Capital First offers loans for tenures ranging from 1 year to 5 years.
  • Pre-closure charges – are those that are levied by the loan provider in addition to your existing payable balance, if you wish to close your loan early. Charges on pre-closure are 5% on POS (Principal Outstanding) after clearing 6 EMIs.
  • Guarantor requirement – Most loan providers, for most types of loans, require you to present a guarantor – or a person who backs your ability to repay the loan. Capital First does not require a guarantor and this saves you a lot of time and effort in securing your loan.

Loan Types

Personal Loan

Personal loans are taken primarily for fulfilling your personal aspirations such as vacation, a perfect wedding, home renovation or a much desired gadget. In addition to being relatively easy to apply for, personal loans are unsecured loans which means that you don't need any collateral to take this loan. They are one of the simplest form of loans with customer-friendly repayment terms.

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Home Loan

Home Extension Loan is useful when you want to add more space to your existing home. We make it easy for you to extend your existing residential property as per your requirements. You often renovate your home to suit your changing needs. This loan can be used to carry out repairs / improvements within your existing owned residential properties.

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Loan Against Property

A sudden requirement of funds is an unavoidable circumstance of business or personal life. Whether a personal necessity (hospitalization, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
In this context, it is pertinent to consider an invaluable alternative source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinizing the validity of the said property and its current market value.

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Business Loan

Running a business is not easy. You have to constantly think of ways and means to keep it going and growing. As a part of the growth plan, you require financing for expanding operations or to buy new equipment or inventory or simply increase the working capital. To help you with your financing needs we offer Business Loans that will help your business grow.

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Personal Loan is an unsecured loan given to borrower against his Income and credit...





Quick and Easy Home loan, a secured mortgage loan for your home / house needs careful...


A loan against property (LAP) is a good alternative if you need capital. Your property...


Running a business is never an easy task. One is bound to face financial hiccups.
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