Capital First Ltd.

Capital First Ltd.
4.5
Capital First Ltd. was an Indian non-bank financial institution providing debt financing to small entrepreneurs, MSMEs, and Indian consumers. Capital First was founded in 2012 by V. Vaidyanathan. The company was listed on NSE and BSE.

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Loans offered by Capital First Ltd.

Capital First Ltd. LoansInterest RateProcessing FeeLoan Amount/Tenure

Capital First Ltd. Personal Loan

10.49%

Up to 2.49% of the loan amount

₹1L - ₹40L

Tenure(1 - 5 Years)

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Capital First Ltd. Home Loan

9% - 11.5%

Rs. 2000 (For loan amount up to Rs. 10 lakh

₹5L - ₹25Cr

Tenure(1 - 20 Years)

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Capital First Ltd. Loan Against Property

8.75% - 20%

Up to 1.25% of the finance amount

₹15L - ₹1Cr

Tenure(Up to 15 Years)

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Capital First Ltd. Business Loan

15%

Up to 1.99%

Up to ₹40Cr

Tenure(Up to 10 Years)

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Features and Benefits of Capital First Ltd.

Capital First Ltd., now known as IDFC First Bank, offers several features and benefits to its customers. These are outlined below:

Diverse Financial Products

Capital First provides a wide range of financial products to cater to the diverse needs of its customers. These include personal loans, business loans, vehicle loans, loans against property, and more. The availability of multiple options allows customers to choose the most suitable financial solution based on their requirements.

Convenient Loan Approval Process

Capital First adopted advanced technology and analytics to streamline its loan approval process. This results in faster loan processing and quicker disbursals, enabling customers to access funds in a timely manner. The simplified application procedures and reduced documentation requirements add to the convenience for borrowers.

Customer-Centric Approach

One of the key features of Capital First was its customer-centric approach. The company focuses on providing a seamless borrowing experience to its customers. The dedicated customer service team ensures prompt responses to queries and concerns, offering assistance throughout the loan application and repayment journey.

Wide Accessibility

Capital First expanded its branch network across various cities and towns, making its financial products and services easily accessible to a larger customer base. This wider presence increased convenience for customers, allowing them to avail of services in their vicinity.

Strategic Partnerships

The company formed strategic partnerships with retail chains, enabling customers to access financing options at the point of sale. This collaboration with retail establishments simplified the purchase process for customers, as they could avail of financing solutions for products and services immediately.

Competitive Interest Rates

Capital First offered competitive interest rates on its loans, making it an attractive choice for borrowers. The company aims to provide affordable financial solutions, ensuring customers can access credit without excessive interest burdens.

Flexible Repayment Options

Capital First provides flexible repayment options to its customers. Borrowers can choose the loan tenure that suits their financial capabilities, making repayments more manageable. The company also offers the facility to prepay loans without any additional charges, allowing customers to save on interest costs.

Transparent and Fair Practices

Capital First maintains transparency in its operations and adheres to fair lending practices. The company ensures that all loan terms and conditions are clearly communicated to customers, avoiding any hidden charges or surprises.

Capital First Ltd. - An Overview

Capital First Ltd., now known as IDFC First Bank, was an Indian financial institution that operated in the non-banking financial company (NBFC) sector. The company was founded in 2002 by Mr Vaidyanathan, and it aimed to provide various financial products and services to retail customers, small and medium enterprises (SMEs), and corporate clients.

Capital First focuses on lending activities, offering loans for various purposes such as personal loans, business loans, vehicle loans, and loans against property. The company aims to bridge the credit gap for individuals and businesses by providing timely and convenient access to finance.

Services offered by Capital First Ltd.

Capital First Ltd., now known as IDFC First Bank, offers a range of services to meet the financial needs of its customers. These services included:

Retail Loans

Capital First provides retail loans to individuals for various purposes. This includes personal loans, home loans, vehicle loans, durable consumer loans, and loans against property.

Business Loans

The company offers small and medium enterprises (SMEs) and corporate clients business loans. 

Loan Against Property

Capital First provides loans against property, allowing customers to unlock the value of their residential or commercial properties. 

Two-Wheeler and Three-Wheeler Financing

The company offers financing options for two-wheelers and three-wheelers.

Loan Against Securities

Capital First provides loans against securities, allowing customers to pledge their financial assets such as shares, mutual funds, or bonds to avail funds. 

Retail Deposit Services

In addition to lending, Capital First accepts retail deposits from customers. These include fixed deposits, recurring deposits, and savings accounts.

Financial Advisory Services

The company provides financial advisory services to guide customers in making informed decisions related to their financial goals.

Capital First Ltd. Corporate office Details with Contact numbers and Email ID

Registered Office: One Indiabulls Centre, Tower 2A & 2B, 10th Floor, Senapati Bapat Marg, Lower Parel (W), Mumbai - 400013, Maharashtra - India 

Contact Number: 011-40423400

Fax: 40423401

Email ID: secretarial@capitalfirst.com

FAQs

From refinancing to reducing your interest, we have the answers right here.

Where is the Capital First Ltd. head office?

The Capital First Ltd. head office is situated at Lower Parel, Mumbai, Maharashtra.

Who is the founder of Capital First Ltd.?

The founder of Capital First Ltd. is V. Vaidyanathan.

How many branches of Capital First Ltd. are there in India?

There are more than 600 branches of Capital First Ltd. in India.

Is Capital First Ltd. under RBI?

Yes, Capital First Ltd, under RBI. 

Who is the CEO of Capital First Ltd.?

The CEO of Capital First Ltd. is V. Vaidyanathan.

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