Capital First

Capital First

Bank Name
Interest Rate Range
Processing Fee Range
Loan Amount
Tenure Range

Rate of Interest

  • Floating rate of Interest : 

Eligibility Criteria

  • Minimum 21 years of age and maximum 65 years
  • Loan period from 3 years to 25 years
  • Should be either salaried or self-employed and have regular source of income
  • Should have sufficient income to pay EMI on required loan
  • Applicant must be Indian Citizen, in case of NRI or person of Indian origin it should be properly documented

Fees and Charges

  • Processing Fees 0.00% to 1.00% depends on type and category of borrower
  • Preclosure Charges – Rs 0
  • Part Payment charges- Rs 0
  •  No any other hidden charges

Documents Required

  • KYC- Pan Card, Adhar Card, ID Proof and Address proof
  • ITR with computation for 3 years with Income proof
  • Bank Statement
  • Photograph
  • 2 references

Value Additions

  • Doorstep services
  • E- approvals
  • Part payment allowed

Special Feature

  • No guarantor required
  • No pre-closure or part payment fees
  • Balance Transfer Allowed
  • Top up available

Overview about Capital First

Capital first is a provider of financial service across consumer and wholesale business. Capital First is a leading financial service provider in India with a credit rating of AA+. The Company was established with the aim of financing India’s 50 million MSMEs and its evolving middle class. If you want home loan then it should be take it from Capital First. The Capital First Limited make it both memorable and hassle free by bringing you the best offers across banks and NBFC’s.

Your Eligibility depends on following

You should be minimum 21 years old

You should be maximum 65 years old

You should be salaried or self employed

You should have sufficient income to pay EMI on required loan

You can increase your eligibility by doing following

Make your spouse as co applicant , her/his income will also be added in eligibility
Choose longer tenure of loan period maximum up to 25 years
Add more than one co applicant if required to enhance your eligibility
Close short term loans, this will also increase your eligibility

Rate of Interest and Other Charges for Home Loan are following

Home Loan Rate of Interest:


Loan Type

Rate of Interest


Capital First

9.50%-14% p.a.

Existing Loan take over or New Loan

Why Choose Capital First Home Loan

  • Simple, Easy and Quick Process
  • Easy loan application
  • Quick or instant Loan Approval
  • Minimum Documentation
  • Easy accessibility


Features of Loan

Features of Capital First Home Loan:

  • Capital First offers home loan at lower rate of interest.
  • Lowest EMI compare to other banks
  • Capital First offers you long tenure of 30 years
  • Residents of India are eligible for tax benefit on principal amount and interest components of a home loan under the section 24 and section 80C of Income Tax act.
  • The applicants can foreclose their Home Loans at Zero amount facility.
  • The applicant can club the income of spouse to increase your loan eligibility.
  • Capital First Home Loan Balance Transfer offers you to pay lower EMI’s and save money.

Documentation required for Capital First Home Loan

Two types of documents are required one is KYC (Know your customer) and financial documents: 

KYC Documents

  1. Photo Identity proof
    1. Pan Card
    2. Passport
    3. Driving License
  2. Residence address proof
    1. Electricity Bill
    2. Ration Card
    3. Passport
  3. Pan Card
  4. Passport size Photograph

Income Documents required for Capital First  Home Loan (Salaried Individual)

  1. Latest 3 months’ salary slips
  2. Latest 2 years Form 16 and Income Tax return
  3. Latest six month bank statements
  4. If an applicant or co-applicant has changed job during last 2 years, then in that case appointment letter of current employer and relieving letter of previous employer is required.

 Income Documents required for Capital First Home Loan – Self-employed Individual

  1. Latest 3 years computation of income
  2. Latest 3 years IT returns
  3. Latest 3 years Audited reports (with CA certification)
  4. Education qualifications
  5. Proof of business
  6. Bank statement of all the accounts reflecting in balance sheet
  7. If applicant or co-applicant is running a private limited company and or a partnership firm then complete financials of the company
  8. ICICI Bank may require some additional documents as the loan get processed