Check Capital First Personal Loan Eligibility in 1 Minute


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Customer's Served

10118

Loans Sanctioned (No 's)

8654

Loan Disbursed (Rs. in Mn)

2372

Year in Operation

5

We all have needs and aspirations that remain unfulfilled due to the gap that exists between dreams and reality. And this is where a Capital First Personal Loan can help in making a difference in your life. No matter what your financial needs are - unexpected expenses, a medical exigency, school or college admission, wedding in the family, home improvement or that long awaited vacation; whatever the occasion, our range of Personal Loans can help you meet your needs.

Capital First Personal Loan provides an effective solution to your financial requirement irrespective of what its nature might be. The fact that it is possible for the loan to be disbursed within 72 hours makes it an even more attractive option not to mention the fact that you need not submit any guarantee for security.

Loan Upto Rs. 10 Lakhs

Borrow up to Rs. 10,00,000 for any purpose, depending on your requirements


No Income Proof Personal Loan. Instant Eligibility/Decision without any collateral

Lowest EMI Guranteed

Avail Attractive Interest Rates.


Repay with easy EMI' s .


Flexible repayment options, ranging from 12 to 60 months.

Hassle Free

Minimal documentation


Foreclosure Option is available


Quick Processing

Cash Back Offer

Assured Cash Back Upto Rs. 7, 500

Capital First Personal Loan Detail Overview

Capital First Personal Loan Interest Rates: 13%-24% Reducing


Capital First Personal Loan Processing Fee: 1.5% - 3.0%


Capital First Personal Loan Forclosure charges: 5.00%


Capital First Personal Loan Repayment Period: 12 months to 60 months


Capital First Personal Loan Loan Amount: Upto Rs. 10 Lakh


Capital First Personal Loan Minimum Income: Min. Income 20, 000 per month

Capital First Personal Loan Eligibility Criteria

  • Eligbility Criteria | Salaried Individual
    • Minimum age of Applicant: 23 years
    • Maximum age of Applicant at loan maturity: 60 years
    • Minimum employment: Minimum 1 year
    • Minimum Net Monthly Income: Rs. 20,000 per month
  • Eligbility Criteria | Self Employed
    • Minimum age of Applicant: 25 years
    • Maximum age of Applicant at loan maturity: 65 years
    • Years in business: 3 years depending on profession
    • Minimum Annual Income: Rs. 2, 00, 000 p.a.
  • Eligbility Criteria | Doctors
    • Minimum age of Applicant: 25 years
    • Maximum age of Applicant at loan maturity: 65 years
    • Years in business: Minimum 5 years depending on profession
    • Minimum Annual Income: Rs. 2, 00, 000 p.a.

Capital First Personal Loan List of Documents

  • List of Common Documents
    • Complete Application Form.
    • Latest Passport Size Photograph.
    • Identity Proof and Signature proof (Any One): Bank Signature Verification, Photo Pan Card, Passport, Voter ID card, employee identity card as identity proof and signature proof incase of government employees.
    • Address Proof (Any One): Passport, Ration Card, Voter ID Card, Bank statement, Rent Agreement, Aadhar Card (UID), Telephone Bill, Electricity or Water Bill as proof of residence.
    • Date of Birth Proof (Any One): Pan Card, Passport, Driving License or LIC policy. Date of Birth certificate.
  • List of Financial Documents | Salaried Individuals

    1 months Latest Salary Slip duly authenticated by the Employer ( the above to clearly indicate the break up of Gross Earnings, Deductions and Net Salary ). OR Company I- Card.


    Latest 3 months Salary Account Bank statement.

  • List of Financial Documents | Self Employed

    Latest 3 months Bank Statement.


    Ownership Proof, either Residence or Office


    Latest Income Tax Returns ( ITR ) only in case of Current Account Bank Statement.

Illustration on Personal Loan Rate of Interest


  • Maximum Annual Percentage Rate (APR) or Rate of Interest (ROI) : 15.5%
  • Total amount borrowed: Rs. 100,000
  • Time period: 36 months ( 3 Years )
  • Processing Fee payable to Bank: 1.5% = Rs. 1,500.
  • Fee payable to BankCircle: NIL
  • Total Monthly EMI: Rs. 3,491
  • Total Interest Payable: Rs. 25,678
  • Total Amount Paid inclusive of Principal: Rs. 1, 25, 678
01

Personal Loan EMI

Rs. 3, 491 ( Equated Monthly Installment or EMI to be paid in a tenor of 36 months or 3 years ).
02

Total Interest

Rs. 25, 678 ( Total Interest to be paid in a tenor of 36 months or 3 years ).
03

Total Repayment

Rs. 1, 25, 678 ( Total Repayment including Principal Amount and Interest to be paid in a tenor of 36 months or 3 years ).

Experts are behind everything we do.

With our expert team having tremendous knowledge of the pecuniary market, we provide our customers with large database to compare the offerings of various financial institutions. This enables them to make sensible decisions that could be converted into reality.

Know More Contact Us

It has always been a pleasure to work with the staff at BankCircle. They know and understand my every day lives, and are very responsive to ones needs. In today's busy environment, it's all about building good working relationships and BankCircle does an excellent job.

Pankaj Thakur Product Manager, ICICI Bank Limited

My experience of availing a Personal Loan from bank via BankCircle was good. Documentation was very simple & fast and the processing of the loan was completed in less than a week.

Khushbir Kaur Continental Group

I visited BankCircle for my Home Loan & for Personal Loan, where the experience was good and my loan was approved. Within a week, all the processing was over and I would say that it is fast. Website is user friendly and interactive too. Even a beginner can understand and easily access it. Customer Support is too friendly and very responsive.

Raj Kumar Government Job

Our Core Services

With these specialisations, we embrace our mission to bring each client the best service.

Apply Personal Loan Online

Personal Loan

Need cash assistance or Personal Loan for buying a new laptop, daughter’s marriage, revamping a house? All good things in life come in surprise packages and at BankCircle we believe that you should be in a position to accept them financially and enjoy them to the fullest.

Apply Business Loan Online

Business Loan

Contrary to traditional thinking, now is the time to give concrete shape to your concept by starting your own business and actualizing your dreams. What about the financial aspect? Seek advice from professionals at BankCircle and they would advise on how to go about procuring a Business Loan.

Doctor Loan

It is but natural for every specialized professional to desire growth and progress in his chosen profession and doctors are no exception to this rule. Consulting with BankCircle is a viable option wherein our team would educate you not just on how to apply for a Doctor Loan but also the interest rates that you can expect to be charged.

Home Loan

Deep within their hearts, everyone harbours a picture of what their dream home would be like. But close your eyes for a second and imagine that it is indeed possible to buy the home that you have always dreamt of as your perfect abode. With BankCircle by your side, your dream home need not remain a dream – it can become a reality.

Loan Against Property

Do you feel that you could do with a bit of extra financial backing but are hesitant to ask for a personal loan? In such a situation, Loan Against Property is the next best option that experts at BankCircle suggest. And there is an icing on the cake too – the sky is the limit as regards the ways in which you can use these loans which could be for a marriage in the family, going for a adventure tour that you always longed for or diversifying your business.

Cash Credit | Overdraft

To meet the short-term financial requirements of your business, BankCircle would advise you to consider applying for a Working Capital Loan. Given the short term nature of this loan, it can truly come in handy for a businessman who wishes to expand his commercial horizons and explore hitherto unexplored frontiers. With BankCircle by your side, you not only can you find out if you are eligible for this loan but also how you can go about acquiring it by paying minimal interest rates.