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FAQ

Loan Details

EMI due date is 5th of every month. You may refer to the EMI status in the Statement of Account.
You can view your EMI Status on Customer Portal/Mobile App Log in to the Customer Portal >> Active Loans >> Click on Statement of account.

Adequate balances must be maintained in your Bank Account a day priortodue date(4th every month,due date being 5th of the month). In the event of non-realization of EMI on due date, Bounce Charges will be applicable on the unpaid installment in addition to the Late Payment Charges.

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.

You can view and also download your Statement of Account on our Customer Portal/ Mobile App.

Log in to the Customer Portal >>Active Loans>>> Click Statement of Account >Send Email/ Export to PDFdocument

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)

You can view and also download your Welcome Letter on Customer Portal/ Mobiile App.

Log in to the Customer Portal >>Active Loans>>Click on view details>>Click on statements Tab>> Click Welcome Letter > Send Email/ Export to PDF document

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)

You can view and also download your Interest Certificate on Customer Portal/Mobile App.

Log in to the Customer Portal >>Active Loans>>Click on view details>>Click on statements Tab> Click Interest Certificate > Send Email/ Export to PDF document/Generate report

You can view and also download your Amortization/Repayment Schedule on Customer Portal/Mobile App.

Log in to the Customer Portal >>Active Loans>> Click Repayment Schedule> Send Email/ Export to PDF document

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

You can view and also download your Provisional Certificate on Customer Portal.

Log in to the Customer Portal >>Active Loans>>Click on view details>>Click on statements Tab>>Click Provisional Certificate> Send Email/ Export to PDF document/ Generate report

If the insurance is issued, you can place a request to Capital First by writing to us on customer.care@capitalfirst.com to obtain the insurance certificate.

Alternatively you can log a request through Customer Portal log in > Select Submit your query > Input details>> Submit

Post loan closure on system, NOC can be emailed to your registered email ID with us.

You can view and also download your No Due Certificate on Customer Portal/ Mobile App.

Log in to the Customer Portal >>Closed Loans>> Click statements tab > Click No due certificate> Send Email/ Export to PDF document.

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

Post loan closure on system, NOC will be sent to your registered mailing address updated in our records.

Alternatively, you can place a request to Capital First by writing to us on customer.care@capitalfirst.com or you can log a request through Customer Portal log in > Select Submit your query > Input your request for NOC>> Submit

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 you can 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.

A. Kindly refer the schedule of charges on the website for detailed charges.

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 would be decided by Capital Firstfrom time to time.

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

Change in Demographic Details

You can update your Email ID by logging into our Customer Portal and by clicking my Personal Details>> EMAIL Id Update>> Add >> Save

You can also call on our helpline number 18605009900and get your email id updated in the system .

You can update your Mobile no/Landline by logging into our Customer Portal and clicking my Personal Details>> Mobile no/Landline Update>> Add >> Save

You can also call on our helpline number 18605009900 and get your number updated in the system.

You can place a request to Capital First by writing to us on customer.care@capitalfirst.com along with your valid address proof which needs to be updated. Address verification will be conducted post which address gets updated in the system.

Payment Related

You may visit www.capitalfirst.com, Click on Home Page>>>Quick Pay Tab

Alternatively You may login to our Customer Portal>>Active Loans>> Click on view charges Tab > Click on Missed an EMI/Please make payment here. You may also visit any Axis Bank branch in your location to make an overdue payment. Please produce your loan account number while making the payment.

Please visit the Loan Repayments page to know all the repayment options.

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

A. You can make online advance payment up to 1 EMI by visiting our website www.capitalfirst.com>> Pay EMI or logging onto our Customer Portal or mobile App or Paytm.

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 18605009900 and provide the payment transaction ID, so that no bounce charges will be levied on your account.

A. 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.

A. You should ask for 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.

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 18605009900

Foreclosure

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.

You can visit your nearest Capital First Branch and makepayment 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.

Alternatively you can also use Online RTGS / NEFT mode of payment.

Bank details are as below:

A/c No

0616896-00-5

A/c Type

Current Account

IFSC Code

DEUT0784BBY

Address1

Deutsche Bank,

Address2

Stock Exchange Branch

Address3

Mumbai-400 023

Beneficiary Name

Capital first ltd retail coll ac

Kindly share the UTR code/Transaction Reference Number by writing at customer.care@capfirst.com or by calling us at our help line number 1860 500 9900 in order to track the payment.

Please note: The payment credit should be received within the validity period of the FCL letter issued by Capital first.

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.

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 document 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 immediatly after closure of the loan either by way of maturity or repayment of loan and/or otherwise without any further notice.

Part prepayment

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

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

Swapping

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.

» 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 customer has 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.

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

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 chequecan 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
Capital First Limited
I UNIT 1001-1002 10th FLOOR TOWER 2A & 2B JUPITER MILL COMPOUND 841 SENAPATI BAPAT MARG ELPHINSTON ROAD (E)Mumbai - 400 013

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) related

Capital First Limited issues an Easy Buy card to its privileged customers. This card issues you pre-approved Consumer Durable Product Loan limit. You can use this card to buy your favorite consumer durable by simply swiping your card at dealer outlets we have a tie up with. This is not a credit card.

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

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

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.

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.

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.

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

The Easy Buy card comes to you by making a onetime payment of a nominal fee of Rs. 399/.

Other Queries

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 could access your details through our IVR for quick service.

Email - write to us on customer.care@capitalfirst.comwith your loan account number for all your queries and concerns. Please write from your registered email to get a faster response. We will respond to you in 2 working days. Please check 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. Kalpesh Rana 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

You may login to www.capitalfirst.com for new loan application, you may even contact the customer care - 1860 500 9900, walk in branch or email us at customer.care@capitalfirst.com

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

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

GST rate for the charges or fees would be 18%

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

GST registration details for CFL are given below -

Company

State

GSTIN

Address

Capital First Limited

Andhra Pradesh

37AACCK6863C1ZI

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

Capital First Limited

Delhi

07AACCK6863C1ZL

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

Capital First Limited

Haryana

06AACCK6863C1ZN

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

Capital First Limited

Karnataka

29AACCK6863C1ZF

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

Punjab

03AACCK6863C1ZT

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

Capital First Limited

Rajasthan

08AACCK6863C1ZJ

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

Capital First Limited

Telengana

36AACCK6863C1ZK

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

33AACCK6863C1ZQ

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

Capital First Limited

Chhattisgarh

22AACCK6863C1ZT

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

Gujarat

24AACCK6863C1ZP

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

23AACCK6863C1ZR

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

Capital First Limited

Uttar Pradesh

09AACCK6863C1ZH

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

Capital First Limited

Uttarakhand

05AACCK6863C1ZP

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

Capital First Limited

West Bengal

19AACCK6863C1ZG

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

Capital First Limited

Odisha

21AACCK6863C1ZV

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

Capital First Limited

Assam

18AACCK6863C1ZI

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

Capital First Limited

Kerala

32AACCK6863C1ZS

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

Chandigarh(UT)

04AACCK6863C1ZR

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

Capital First Limited

Puducherry(UT)

34AACCK6863C1ZO

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

Capital First Limited

Maharashtra

27AACCK6863C1ZJ

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