Frequently Asked Questions

First, specify your required loan amount, category, and preferred tenure in Step 1. Second, fill in your personal, contact, and employment history in Step 2. Finally, review your detailed responses in Step 3 and submit. An advisor will contact you to request document uploads within 2 hours.

Initial pre-eligibility calculations and consultations with First Capital act as a soft check, which does not impact your credit score. A formal hard pull is only conducted once you formally sign the loan authorization declaration.

Yes, First Capital supports pan-India digital evaluations. While our primary branches are in Gurugram and Kolkata, document collection and verification processes are conducted entirely online, enabling us to disburse funds to your active bank account anywhere in India.

EMIs are calculated using the reducing balance method. The formula is: EMI = [P x R x (1+R)^N] / [(1+R)^N - 1], where P is the Principal, R is the monthly interest rate, and N is the tenure in months. You can use our integrated EMI Calculator on the Home page to check monthly payouts dynamically.

Yes, we offer attractive balance transfer terms for Home Loans, Business Funding, and Personal Loans. We settle the outstanding amount with your existing lender and restructure your loan with lower interest rates and comfortable terms.

First Capital operates with complete transparency. All processing charges, documentation fees, and interest rate policies are clearly printed on the digital loan agreement before signoff. We do not levy any hidden fees.

You can chat with us instantly on WhatsApp using the floating green button, email us at info@firstcapitalfinancegroup.com, or call our Kolkata office at +91 90514 32833 or Gurugram landline at XXXX432686.