Founded in the year 2011 CAPITAL FIRST is the brainchild of Mr V.Vaidyanathan. Having confidence in his vision that India’s rising middle class presented an immense opportunity for financing, he gave up a lucrative career & took up the road to entrepreneurship.

Mr Vaidyanathan began his new venture by acquiring stakes in an existing NBFC& backed it up with equity of 8.10 billion from Warburg Pincus. Giving up his legacy business, he transformed the wholesale business of the existing NBFC into retail financing. He worked out a unique strategy on the based on the use of latest technology & deep analytics for financing of MSME’s & consumers in India.

Achieving overwhelming success Capital First has grown from 5 locations to 222 branches all over India. The retail financing book of the Company has grown from Rs. 0.94 billion ($14 Mn) to Rs. 183.53 billion. The company enjoys the highest long term credit rating of AAA.

Capital First is focused on building an institution on the strong pillars of ethics, values and prompt customer service.

Aided with the latest technology the company aims at giving spending power to the multitudes of our country by a differential model.

It is now possible for the evolving middle class of our country to fulfil their aspirations!: Finance is easily available via a personal loan to cover medical emergencies, home renovation expenses, marriage, higher education costs, and business capital requirements.

Giving focus to a hitherto underpenetrated sector Capital First has created new models of Financing; with this unique approach, Capital First has financed more than 4 million customers as of 31 March, 2017.

Capital First is focused on building an institution on the strong pillars of ethics, values and prompt customer service.

Aided with the latest technology the company aims at giving spending power to the multitudes of our country by a differential model.

It is now possible for the evolving middle class of our country to fulfil their aspirations!: Finance is easily available via a personal loan to cover medical emergencies, home renovation expenses, marriage, higher education costs, and business capital requirements.

Giving focus to a hitherto underpenetrated sector Capital First has created new models of Financing; with this unique approach, Capital First has financed more than 4 million customers as of 31 March, 2017.

Eligibility Criteria

• An applicant applying for a Personal Loan from Capital First should be a citizen of India.
• Age – Capital first offers Personal Loans to applicants above the age of 21 years up to the age of 60 years at the time of maturity of the Personal Loan.
• Income- Minimum Income should be above 20,000/- net per month. This amount should be transferred to the salary account of the customer account of the customer every month.
• Residence Stability – To ensure that the applicant is easily contactable, he must have a vintage of 6 months or more at the current residence address. A physical verification is conducted at the residence of the applicant to confirm the authenticity of the address proof & details submitted.
• Educational Qualifications-Applicant should be a graduate.