Home FAQ


Loan Details

When is my next EMI due? How can I view my EMI Status?

The EMI due date is 2nd or 5th of every month. To view your EMI Status, log in to the customer portal and from the homepage itself you will see your Active Loans. On the right there is a View Details button. Clicking on that will provide you detailed information of your loan account and you can Download your Account Statement, View Charges and Check your Repayment Schedule from here.

Please ensure you maintain an adequate balance in your bank account a day prior to the due date. In the event of non-realization of EMI on due date, Bounce Charges will be applicable on the unpaid installment in addition to Late Payment Charges.

I want to make my EMI payment. How can I do that?

Log in to the customer portal and in the main menu on the left you will see a ‘Pay EMI’ option. Click on ‘Pay EMI’ and enter your Loan Account No., Email ID and Mobile No. You can choose from multiple payment options that include PayTM, Bill Desk, Vodafone M-Pesa, Airtel Money, Jio Money, Ola Money and Freecharge. Enter the Captcha code and then click on ‘Proceed’ to complete your payment.

How do I review my active and completed loans?

It’s very simple to locate information of your active and completed loan accounts.Once logged into the customer portal. Under ‘My Loans’ in the menu click on ‘My Current Loans’. You will see two tabs; one shows your active loans and the other your completed loans. Click on the relevant tab to obtain information about your loans.

How do I change my EMI due date?

We currently do not have an option of changing the EMI due date. This is keeping in mind the uniformity of payment due dates for all our customers.

How can I calculate my EMI amount?

To find out your EMI amount, use our EMI calculator on the customer portal. Simply select the 'EMI calculator' option from the menu under Customer Service on the portal. Select the Loan Type from the dropdown list and select your Loan Amount, Interest Rate and Tenure. You will get to know your EMI instantly. What’s more, you can even apply for a loan by simply clicking on the ‘Apply Now’ button right from the calculator.

I have applied for a new loan; how can I check its status?

You can check the status of your loan application by simply clicking on the menu button in the customer portal, select the ‘My Loans’ tab and ‘My Loan Applications’ option. The status of your application will be displayed. If for some reason you can’t see your application status, you can contact customer care at 1860-500-9900 or write to us at customer.care@capitalfirst.com.

How can I get my Statement of Account?

If you would like to download your account statement, select the ‘My Loans’ tab from the menu. The details of your active loans will be displayed by default. Click on the ‘Account Statement Download’ button to obtain your account statement instantly.

Alternatively, you can request for a copy of your Statement of Account from your Dealer store from where you purchased your product. (Applicable for Consumer Durables and Two Wheeler Loans only)

How do I get my Welcome Letter?

You can view and also download your Welcome Letter in a matter of seconds. All you have to do is log in to the customer portal and select 'My Current Loans' under My Loans. Here you will see a 'View Details' button on the right hand side. After clicking on View Details you will see a Statements Tab. Click on that to see a list of documents which you can view and download including the Welcome Letter.

Alternatively, you can request for a copy of your Welcome Letter from your Dealer store from where you purchased your product. (Applicable for Consumer Durables and Two Wheeler Loans only)

How do I get my Interest Certificate?

In order to download your interest certificate, log in to the customer portal and select the ‘My Loans’ tab from the main menu. The details of your active loans will be displayed by default. Click on the 'View Details' button and select the Statements tab. Click on the Download button corresponding to the Interest Certificate option.

How do I get my Repayment/Amortisation Schedule?

In order to know your repayment schedule, select the 'My Loans' tab from the menu in the customer portal. The details of your active loans will be displayed by default. Click on the 'Repayment Schedule Download' button to obtain your repayment schedule instantly.

Alternatively, you can request for a copy of your Repayment Schedule from your Dealer store where you purchased your product. (Applicable for Consumer Durables and Two Wheeler Loans only)

How do I get my Provisional Certificate?

You can view and also download your Provisional Certificate on the customer portal.

Please select the ‘My Loans’ tab from the main menu. The details of your active loans will be displayed by default. Click on the ‘View Details’ button and select the Statements tab. Click on the Download button corresponding to the 'Provisional Interest Certificate' tab.

How do I get my No Objection Certificate (NOC)?

Once you have completed paying the EMIs of your loan, the NOC will be sent to your registered mailing address updated in our records.

Alternatively, you can email is at customer.care@capitalfirst.com to get a copy.

You also have the option to log in to the customer portal and under 'My Loans' select Closed Loans and click on the Statements tab. Here you will see your No Objection Certificate available to View and Download.

You can request for a copy of your NOC from your Dealer store where you purchased your product. (Applicable for Consumer loans only)

In case of a Two-Wheeler or a Pre-Owner Car Loan, please ensure your Vehicle Registration Copy (RC copy) is submitted to Capital First post the loan is disbursed. You can share a copy of your RC on customer.care@capitalfirst.com or WhatsApp the loan reference number and copy of RC on 7400185060. In the absence of RC Book details, Capital First will not be in a position to issue the No- Objection Certificate and Form 35.

What are the charges applicable on my loan account?

All the information related to charges is available on our customer portal. From the main menu, select the 'My Loans' tab. The details of your active loans will be displayed by default. Click on the 'View Charges (Proceed)' button to obtain details of the charges on your loan instantly.

Kindly refer to the schedule of charges on the website for detailed charges. Below is information regarding them.

Penal Interest /Late payment charges - Besides normal interest, Capital First may collect penal interest / late payment charges for any delay or default in making payments of any dues. If the EMI for the month bounces and payment against the same is not received in the same month, late payment charges will be applicable. These will be charged every month on a recurring basis till the payment is received. These penal interest / late payment charges for different products or facilities will be decided by Capital First from time to time.

Bounce Charges - Capital First may collect the bounce charges in case the EMI presented bounces. Charges will be collected up to 2 presentation bounces. These bounce charges for different products or facilities will be decided by Capital First from time to time. No claims for refund or waiver of such bounce charges/ penal interest / additional interest will be entertained by Capital First and it is the sole discretion of Capital First to deal with such requests if any.

Change in Demographic Details

How do I update my Email ID?

You can call on our helpline number 1860-500-9900 or write to us at customer.care@capitalfirst.com and get your email id updated in the system.

How do I update my Mobile no/Landline?

You are requested to call from your registered mobile number on our helpline number 1860-500-9900 or you visit your nearest branch along with latest mobile bill and get your number updated.

How do I update my Address?

You can place a request by writing to us on customer.care@capitalfirst.com along with your valid address proof which needs to be updated. The address gets updated in the system once address verification is completed.

Payment Related

How can I make my overdue payment?

Capital First is completely transparent about any charges overdue on your account.

If you wish to make a payment please click on PAY EMI.Alternately to find out if you have any overdue charges, penalties or dues, log in to the customer portal, click on the main menu and select the 'My Loans' tab.The details of your active loans will be displayed by default. Click on the ‘View Details’ button and select the Charges tab. All the relevant charges will be displayed instantly.

If you wish to know about the various repayment options please visit the Repayment Options page.

Please note: Any payment received (other than Foreclosure) would be appropriated in the following order of priority -

1. Installment
2. Bounce charges
3. Penal interest

Can I make my advance EMI Payment?

You can make an online advance payment up to 1 EMI by visiting our website www.capitalfirst.com and clicking on Pay EMI on the top right of the homepage. You also have the option to log in to our customer portal for the same. You may also visit the nearest branch to make this payment. If you are paying advance EMI, please inform us to hold the EMI by calling our customer care 1860-500-9900 and provide the payment transaction ID, so that no bounce charges will be levied on your account.

How do I get a receipt on cash payment of EMI, Charges, overdue etc.?

Capital First has now started sending payment confirmations electronically via SMS and Email only. Issuance of physical receipts has been discontinued. An e-receipt will be sent on your registered mobile number/ Email ID for reference, after making the payment.

You are requested to intimate Capital First of any change in contact details to enable us send payment confirmations electronically.

What should I do if I do not receive the payment confirmation SMS/email instantaneously?

You should ask for a duplicate receipt in case SMS/Email does not get triggered instantaneously to your registered mobile number and registered email ID at the time of payment collection.

How will I get a refund if my EMI gets debited twice from the account in the same month ?

You have to raise the request for refund of excess EMI or you can raise the request for adjustment of advance EMI in next month by calling our customer care number 1860-500-9900 or you can write to us at customer.care@capitalfirst.com.


How do I foreclose my loan?

You can now foreclose your consumer durable loan through the quick pay option on our website www.capitalfirst.com. Please ensure that your loan details are correctly reflecting on the screen before making any payment.

For other loans please call us at 1860-500-9900 or write to us at customer.care@capitalfirst.com to place a request for Foreclosure letter.

How can I make my foreclosure payment for Personal Loan/ Business Loan/ Loan Against Property ?

You can visit your nearest Capital First Branch and make payment through cash (Upper Limit Rs 50,000) /cheque mode or through your Debit card and get the e-receipt for the payment made through email /SMS.

Are there any foreclosure charges applicable?

Foreclosure charges are applicable for all loans except consumer durable loans. We do not levy foreclosure charges for consumer durable loans.

You may refer to the Schedule of Charges displayed on the website for the foreclosure charges applicable product-wise.

When will I get my original Property Papers back after I foreclose my loan? (Applicable for Home Loan / Loan against Property /Mortgage Loan type Only)

Once the loan is foreclosed in our system the original property documents will be handed over in 15 working days from date of closure.

For any other loan, all your documents including any unbanked/unused cheques of the Borrower(S) as issued in favour of Capital First Limited with regard to the loan and presently in custody of Capital First will be cancelled and/or destroyed immediately after closure of the loan either by way of maturity or repayment of loan and/or otherwise without any further notice.

Part prepayment

How and when can I make a part prepayment? (Applicable for Home Loan / Loan against Property Or Mortgage Loan type Only)

Part Payment is not allowed within the first 12 months of the loan disbursal. Post 12 months, you can pay up to 20% of the current Principal Outstanding.

Do I have to bear any prepayment charges?

Part payment is allowed up to 20% of the current POS post completion of 12 months (MOB) without any charges. If payment is done over & above 20%, charge will be applicable at 3% or as per the Sanction letter on the complete payment given by the customer.


How do I swap my existing mode of loan repayment?

You need to submit the below mentioned documents in order to ensure smooth processing of your EMIs.

» 3 New Mandate Forms duly filled - signed and authorized by your new Bank
» Half yearly bank account statement of the new account
»Swap charges of Rs 500 (to be paid either in cash or by cheque)
» A Cheque of the Current EMI

Important Notes:

» All the Cheque should have the payee name as "Capital First Limited" All Cheque should be CTS 2010 complaint only.
» All Cheque should bear borrower's signature,
» There should not be any overwriting or alteration on the Cheque.
» No counter signature is allowed on the Cheque.
» The swap would be effective in the next month's EMI on receipt of the new repayment documents on or before 18th for ECS & 22nd for PDC of current month else it would be effective from subsequent month's EMI.

TDS Refund

TDS is deductible on interest under Section 194A of the Income Tax Act 1961.

How do I apply for my TDS refund?

» All customers who are liable to deduct the TDS, must pay TDS as per applicable rate (currently 10%) for the interest and fees being paid to Capital First Limited..
» Customer must deposit the TDS amount so due into the government account every month within the due date prescribed.
» As per the Income Tax Act, 1961, the customer should file TDS return within the due date prescribed at the end of each calendar quarter.
» Once returns are filed, customer must raise a TDS refund request to Capital First Limited

If you are claiming TDS refund for the first time we would require below documents for processing:
1. EPS form (attached)
2. Original cancelled cheque (Name and account number should be clearly mentioned)
3. Original Form 16 A (with stamp in case of proprietorship/company)
4. Request letter on letterhead

If you have already claimed refund earlier through us we would require only Form 16 A with stamp and request letter.

If the details on the cancelled Cheque is not printed we would require either EPS form duly verified and stamped by respective bank or bank statement attested by bank.

Does the TDS certificate need to be submitted in original?

Yes. Original TDS certificate is required to be submitted for claiming the refund.

Where can I send the TDS certificates?

You can send digitally signed TDS certificates along with scan copy of request letter to customer.care@capitalfirst.com, Alternatively, hard copies of Original TDS certificates along with request letter and copy of cancelled cheque can be submitted at a Capital First branch.

You may also send a hard copy of TDS certificates along with request letter to the following address:

Customer Service Department
Customer Service(TDS)
Capital First Ltd ,
A/3 3rd Floor Ashar IT Park,
Wagle Estate Thane (West) 400604

What are the dates by which the TDS certificates must reach Capital First Limited?

The original TDS certificates along with request letter must reach Capital First Limited by following dates:

On or before 30th September for the quarter ending on June 30th
On or before 31st December for the quarter ending on September 30th
On or before 31st March for the quarter ending on December 31st.
On or before 31st July for the quarter ending on March 31st.

In the event of non-adherence to the above-mentioned timelines, Capital First is not obligated to make the TDS refund.

Easy Buy Card (EBC)

What is an Easy Buy Card (EBC)?

Capital First Limited issues an Easy Buy Card to its privileged customers. It allows you to purchase various consumer durable goods such as televisions, refrigerators, smartphones, air conditioners and more by simply swiping your card at dealer outlets we have a tie up with. This card issues a pre-approved Consumer Durable Product Loan limit and you can make purchases up to this limit. This is not a credit card.

What is the loan amount on my Easy Buy Card?

The pre-approved loan amount on your card depends on the loan amount assigned to you by Capital First at the time of taking a Consumer Durable loan. This loan amount varies for each individual.

Where all can I use my Easy Buy Card?

You can use the EBC at any of the dealer outlets we have a tie up with in India.

When will I receive my Easy Buy Card?

You will be eligible for an EMI card after successful clearance of your 1st 4 EMIs. The card will be dispatched to you after 45 days from payment of the 4th EMI.

What is my Easy Buy Card limit?

To check this limit, all you have to do is click on the menu icon and select ‘Easy Buy Card’ from the list. Your limit will be displayed on the page.

You can now know your Easy Buy Card status by simply sending a SMS EBC << CRN NUMBER >> to +91 83903 06070. Alternatively, you can reach us on 1860-500-9900 to know your card limit.

What should I do if my Easy Buy Card gives an error while swiping?

Our representatives at the dealer outlet will be there to assist you for any query related to your Easy Buy Card. In case your problem is not resolved, please call us on 1860-500-9900

What are the charges for my Easy Buy Card?

The Easy Buy Card comes to you by making a one-time payment of a nominal fee of Rs. 412/.

Other Queries

How can I contact Capital First?

You may contact us through any of our channels mentioned below -

Phone - Call us on our helpline number 1860 500 9900 from your registered phone number. You can access your details through our IVR for quick service.

Email - Write to us on customer.care@capitalfirst.com with your loan account number for all your queries and concerns. Please write from your registered email ID to get a faster response. We will respond to you in 2 working days. Please check your SPAM folder, in case of non-receipt of Email.

Mobile App/ Customer Portal - You can submit a service request by logging into the mobile app/customer portal.

Service at dealerships for Consumer durable and Two wheeler loans - For quick resolution on simple queries like Statement of Account, Repayment Schedule, Welcome letter, Easy Buy card related queries and EMI related queries for Consumer Durable and Two wheeler loans you can now visit your dealership outlet from where you purchased your product.

Branch - You can look for the nearby branch in our branch locator if you require any further information / assistance from our Customer Service Branch. We request you to carry a Valid Photo ID card to be furnished or provide a proper authority letter and self-attested photo ID to your representative along with his / her photo ID

If the resolution you receive does not meet your expectations, please get in touch with our Grievance Redressal Officer Mr. Sabir Ali on 022 61185811 or write to nodal.officer@capitalfirst.com

If your complaint/dispute is not redressed within a period of one month, you may appeal to the Officer-in-Charge of the Regional Office of DNBS at RBI, as below: Officer-in-charge,
Reserve Bank of India,
Regional Office, DNBS, fourth floor, opp. Mumbai Central Station,
Byculla, Mumbai - 400 008
Email id: dnbsmro@rbi.org.in

How can I apply for a new loan?

You can apply for a wide variety of loans through our customer portal. On the portal select 'Apply for Loan' from the menu. Select the type of loan you would like to apply for from the dropdown list that appears on the page under ‘Our Products’ and then click on the ‘Apply Now’ button. You may even contact customer care – 1860-500-9900, walk in branch or email us at customer.care@capitalfirst.com

How do I find out about Capital First’s latest offers?

It is possible to view special offers that are applicable to your account through the customer portal. Click on the menu tab and select the ‘Offers’ option. You will get all the relevant offers. Just click on the 'Apply Now' button and you are ready to go.

How do I update my CIBIL?

Please note that post closure of your loan, your CIBIL Report will be updated by us by the 20th of the next month. In case of any discrepancy please write to us at customer.care@capitalfirst.com

What is the type of GST applicable?

CGST and SGST/ UTGST will be levied on intra-State supplies. IGST will be levied on inter-State supplies

What is applicable GST rate for the charges or fees?

GST rate for the charges or fees would be 18%

How to get GST invoice/ processing fee invoice/GSTIN updation done?

Please submit the GSTIN certificate and declaration at the nearest branch or write to us at customer.care@capitalfirst.com.

What is the GST registration details for Capital First?

GST registration details for CFL are given below -





Capital First Limited

Andhra Pradesh


No-47-10-20/18, 2nd Floor,Dwaraka Plaza, Dwarakanagar, Viskhapatnam, Andhra Pradesh, 530016

Capital First Limited



6th Floor, PremDohilSadan, 11, Rajendra Place, New Delhi, 110008

Capital First Limited



180-1 to 3, 2nd Floor Mierva Complex, Raj Market, Ambala, Haryana, 133001

Capital First Limited



Capital First Ltd,C-1, RP Pride, 1st & 2nd floor, 20th Main Road, KHB 5th Block, Near Ganapati Temple, Koramangala, Bangalore, Karnataka, 560095

Capital First Limited



Capital First Ltd,SCO 18, 1st floor Puda Complex, Near Tehsil office, Ladowali road, Jalandhar, Punjab, 144001

Capital First Limited



Capital First Ltd, 2nd floor, Man Upasana Plaza, Sardar Patel Marg, C Scheme, opp HSBC Bank, Jaipur, Rajasthan, 302001

Capital First Limited



Capital First Ltd. M/S Malik Estate, Door No. 6-3-344, road No. 1, Banjara Hills, Hyderabad, Telengan, 500034

Capital First Limited

Tamil Nadu


Capital First Ltd, Amarasari, 455, 3rd floor, Anna Salai, Teynampet, Chennai, Tamil Nadu, 600018

Capital First Limited



Capital First Ltd, Office no. 1, 6th floor, DB City Corporate Park, Plot No. 1, Block No. 9, Rajbandhamaidan, Raipur, CG 492001

Capital First Limited



Capital First Ltd, 2nd floor, Shri Ketan Co. Operative Housing Society Ltd, Plot No. 27, T. P Scheme No. 19 Ahmedabad, Gujarat, 380014

Capital First Limited

Madhya Pradesh


Capital First Ltd,501 & 502, Panama Tower, 75 Manoramaganjextn, KanchanBagh, Indore , Madhya Pradesh, 452018

Capital First Limited

Uttar Pradesh


Capital First Ltd, Second Floor, Pandit House, 9A, Shahnajaf Road, Lucknow, Uttar Pradesh, 226001.

Capital First Limited



Capital First Ltd, 2nd Floor, Krishna Tower, 69,Rajpur Road, Dehradun, Uttarakhand, 248001

Capital First Limited

West Bengal


Capital First Ltd, 6th Floor Block B, Apeejay House, 15 Park Street, Kolkata, West Bengal, 700016

Capital First Limited



1St Floor North Side Block SamabayaBhawan (Orissa State Co-Op Union Ltd.) Unit No. 9 Janpath, Bhubaneshwar, Odisha, 751022

Capital First Limited



Capital First Ltd, 3rd Floor, Aditya Plaza, Christian Basti, G.S Road, Guwahati, Assam, 781005

Capital First Limited



Capital First Ltd, 1st Floor, 6/822 D1, YMCA Cross Road, Ward No 6, RS 131, Behind PVS Apartments, Calicut, Calicut District, Kerala, 673001

Capital First Limited



Capital First Ltd,Chandigarh-SCO 47, 1st Floor,MadhyaMarg,Sector 26, Chandigarh, 160026

Capital First Limited



Capital First Ltd., Sree Lakshmi Building” 18, VallalarSalai (Extention ), 1st Floor, R. V Nagar, Saram, Pondicherry - 605013

Capital First Limited



One Indiabulls Centre, Tower 2A & 2B, 10th Floor, SenapatiBapatMarg, Lower Parel(West), Mumbai, Maharashtra, 400013