Apply for Capital First Personal Loan Online   4.87 stars, based on 15 reviews

Interest Rate EMI
13.00% - 20.00%


2,275 - 2,649

(per Lakh)

Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 5% fee thereafter

Part-Payment Option

Not available

Max Eligibility: 40,00,000


Increase tenure to reduce EMI/maximize Eligibility.

Interest Rate EMI Processing Fees
13.00% - 20.00%


2,275 - 2,649

(per Lakh)

Capital First Personal Loan

Who doesn’t like to go for a vacation, give a new look to their house or make a grand thing about their daughter’s wedding? But money is always a concern – how about applying a personal loan and repaying it in installments monthly? Yes, with your monthly income, a part of it is paid to clear the principal amount and the interest. This is exactly what a personal loan can offer and Capital First is one of the best people’s financial companies to offer personal loan for various needs. This financial company has the record of consistent growth and profitability.

Features of Capital First Personal Loan

  • Minimal documentation
  • Sanction approval without any mortgage
  • Insurance options for your Personal Loan at attractive premium
  • Faster processing
  • Foreclosure options available
  • Interest is calculated on monthly basis
  • Convenience of service at your doorstep
  • Customized offers for corporate employees & women professionals
  • Quick Loan Disbursal
  • Speedy loan approval
  • Low interest rates
  • Online loan request option available

Benefits of Capital First Personal Loan

  • Special offers, interest rates and charges.
  • Easy documentation processing & good transparency on all transactions.
  • Maximum Loan up to INR 1 million for 5 years.
  • Flexible Interest Rate and special interest rates for women borrowers.
  • Very fast loan approvals.
  • Flexible repayment options which is ranging from 12 months to 60 months.
  • Zero Hidden Charges, very lowest processing fee & most convenient repayment options.
  • Can instantly check loan eligibility.
  • It offers personalized loan quotation.
  • 24/7 Customer Support.
  • There are options to check CIBIL score.
  • Borrow up to INR 1 million easily.
  • One of the Lowest Personal Loan Rates.
  • Convenience of service at your doorstep.
  • Personal Accident Cover Insurance.

Why should you choose Capital First Personal Loan?

Through this you can avail loan amount up to 10,00,000 lakhs easily, it offers flexible repayment options upto 60 months, easy repay in EMIs is available. This company offers lowest interest rates as compared to many big banks and lenders. CIBIL score of just 700 is required while others need at least 750. They offer speedy loan approval, credit shield and hassle- free personal loan processing.


How to apply online for Capital First Personal Loan?

If you are looking to apply for a personal loan make sure it is completely considered post comparing other banks and companies that provide loan. Every penny of your hard earned money is valued, thus make use of Finance Buddha site to compare and decide the best loan that suits your requirements.

Irrespective of what the need is, it is essential to make sure the money you pay is the least with maximum benefits. Finance Buddha can help you with assisting on the same. As compared to other big banks, Capital First is able to offer personal loans at a very low interest rate need CIBIL score of just 700. This in itself shows that they are lenient about offering loan thus there is high probability of getting a loan even if your CIBIL score is slightly low.

It is always good to compare the rate between various banks and apply for a loan only if you have a chance of getting approved. If you are sure the loan will get rejected, it is advisable to not apply. Being rejected after applying will reflect badly on the individual more than not applying. Not many of us still know that trying for a loan at various banks in itself will reduce the CIBIL score. Thus get into such acts only when there is a need or when you are in emergency. Checking CIBIL score regularly through this manner is not appreciable and will impact your financial records.

Eligibility Criteria for Capital First Personal Loan

Age of Applicant Min-23 years ; Max-60 years. 
Total Experience  1 year & above
Gross Monthly Income  INR 30,000 & above
CIBIL Score 700+
* Final Eligibility basis Institutions final score and CIBIL behavior.
Loan Amount offered by Capital First  
Minimum Funding INR 50, 000
Maximum Funding INR 10, 00, 000
Minimum Tenure 12 Months
Maximum Tenure 60 Months
Turn Around Time of Capital First Personal Loan 5 - 7 working days
Rate of Interest 14% - 24%
Processing Fees 2.00 - 2.50% of loan amount
Foreclosure Charges 4% of outstanding principal.

Documents Required for Capital First Personal Loan

  1. For Salaried Employees:
  • Filled up loan application form
  • 2 Passport Size Photo
  • Copy of Income Tax PAN
  • Identity Proof - Passport/ Driving License/ Voter ID/ PAN
  • Residential Address Proof - Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport
  • Income Documents – 3 months’ pay slip, 2 years Form 16, 3 months bank statement showing salary credit and any EMI debit.


  1. For Self-Employed:
  • Filled up loan application form
  • 2 Passport Size Photo
  • Copy of Income Tax PAN
  • Identity Proof - Passport/ Driving License/ Voter ID/ PAN
  • Residential Address Proof - Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport
  • Income Documents – 0 years audited financials, 6 months bank statement
  • Business proof such as VAT/ service tax registration, incorporation details in case of companies, business address proof.

Capital First Personal Loan Interest Rates, Fees & Charges (updated 10th December, 2018)

  Salaried Self Employed

Interest Rate

16.00% - 24.00%

16.00% - 24.00%

Lowest EMI

Rs. 3,516 per lakh

Rs. 3,516 per lakh

Loan Tenure

From 24 months to 36 months

From 24 months to 36 months

Loan Amount

Min Rs. 50,000 and Max Rs. 400,000

Min Rs. 100,000 and Max Rs. 500,000

Processing Fee




Min 23 years and Max 60 years

Min 23 years and Max 65 years

Prepayment Charges

Not allowed

Not allowed

Foreclosure Charges

Allowed after 24 EMI's, 5% charges upto 6 months and at 4% after that

Allowed after 24 EMI's, 5% charges upto 6 months and at 4% after that

Capital First Personal Loan Details

Interest Rate (Monthly reducing balance)

Salaried : 13% to 20% per annum 


Self-employed : 22% to 25% per annum

Processing Fees

Salaried : Rs.1150 to 1.5% of the loan amount 


Self-employed : Up to 3% of the loan amount

Loan Tenure

Salaried : 1 year to 5 years 


Self-employed : 1 year to 4 years

Pre-closure charges

Charges on pre-closure-Pre-closure permitted after 6 months. 5% of principal outstanding (plus ST)

Guarantor Requirement

No guarantor required


Frequently Asked Questions

How to be eligible for Capital First personal loan?

Simple go through the eligibility criteria tab of Capital First in Finance Buddha to get all necessary details. It is advisable to apply for a loan only if there is a probability of getting loan.

What are the advantages of applying for a personal loan through online?

This online service it is possible to have real-time tracking facility of all transaction and status of the loan. Most of the banks and NBFC are offering this service to help customers to get information faster and also to reduce the emails and call traffics.

What is the limit of amount that I can avail through Capital First personal loan?

Minimum limit is Rs. 20,000 and maximum is Rs. 15 Lakhs depending on repayment history and financial credentials of the borrower.

Why to apply for a personal loan through Finance Buddha?

This will help the customers with personalized and customized services that cater their various needs. Helps in comparing details with other banks and it is possible to get expert financial opinions. Plus all these services are offered for FREE!

How does Finance Buddha rating and reviews help?

It is possible to get genuine feedbacks and rating from customers who have tried personal loan from various banks. Also reviews are the key factors for deciding which bank is better is what. Customer will give genuine feedback and it’s a good factor to determine the service level of each bank.

What is the easy process of checking the application status online?

In the banks official website just gives your credentials of log in details and click on status. This will help you get necessary information instantly.

If I change my company or job will it affect my loan or EMI?

Not necessarily only if you continue to pay the EMI`s on time. Kindly update your loan manager about any such change so that the manager can manage your loan better.

IS it possible to track online application?

Yes, very much. It is possible to track this through SMS or emails as per one’s convenience.

Do I need to produce any collateral or security?

No, this is unsecured loan. There is no need for any security and guarantee for it.

Do Capital First and Finance Buddha maintain secrecy?

Yes, high level secrecy is maintained my both these institutions. If you choose to opt for a personal loan only from Capital First, your credentials will be shared to only Capital First by Finance Buddha. This information will never be shared with a third party. It is even possible to sue these institutions if you discover your details are shared with a third party.

Where can I get the personal loan application form?

The application form is available in Finance Buddha or this can be applied directly through Captial First bank website too.


I applied for my Business loan with Finance Buddha website. And I was surprised with their response; I got response in an hour only through a confirmation call. The processing took only 7 working days and my loan was approved on the 13th day with Capital First. Their rates and charges were also affordable.


I wish if I had a chance to rate Capital First more than 5. The service was that best and am extremely happy with the service offered to me. I usually do not give reviews, this is my first review online and Finance Buddha helped me get the best service.


In simple within 4 days I got my loan approved and money in my account with as low as 13% interest. The service was also extraordinarily great


Capital First charged interest rate of 11.95% on my previous personal loan. Now when I applied they offered loan at much more lower rate due to the payment track records and based on the relationship.


Though the loan process took 15 days, I received loan for very low interest rate. It was definitely worth for the wait. Best place to get personal loan.


Very user friendly process of availing a loan. Thanks to Finance Buddha and Capital First for making my personal loan request so simple and fast. I received my money in 5 days.


Very fast and good service offered at limited period. Next time for any needs I will suggest my family and friends to try Finance Buddha and Capital First.


Apart from approving my personal loan request, I was offered with tips and guidelines for applying personal loan and maintaining the loan. This helped me understand how I can avail tax benefits too. Thanks Capital First !


Personal loan processing was carried out in a very step by step manner by the CAPITAL FIRST officials. Am quite impressed with their structural implementation to various banks


It was good experience with Capital first. The overall process was very easy and there was no drawback in the service.


As soon as I applied for a personal loan through Finance Buddha, the bank officials contacted me to step my interest to the next level. Surprising all these happened in a week’s time and I even got the money. Today am travelling to my dream vacation spot.


I have a loan with Capital First from past two years. Today when I contacted them for a top- up loan. Even without any additional documentation the top-up was approved and the money will debited to my account by 2 days. Amazing !


It’s not just that I got my loan in 2 days; the customer support team is very friendly and approachable. As this is my first personal loan, I had more than 5 questions every day which they clarified with utmost patience.


Interest is lesser at Capital First as compared to other banks and NBFCs. They offered me a personal loan for just 12.05% while other banks where charging me 16%+.


The documentation part was very easy and simple. Getting through this is a nightmare with many banks when we desire to apply for a loan