Fulfill Your Personal Goals Instantly
Whether you are planning a dream wedding, handling sudden medical expenses, upgrading your home, or funding higher education for your children, First Capital's Personal Loan is structured to provide swift and worry-free financial support. Our online application takes only minutes, offering competitive, transparent rates without collateral obligations.
With quick digital evaluation systems in place, qualified salaried individuals can secure pre-approvals within 15 minutes. The funds are disbursed directly to your registered bank account upon document verification, ensuring your goals are never delayed.
Eligibility Criteria
We believe in simple processes. Check our basic eligibility parameters below to ensure quick approvals:
| Criteria | Requirement |
|---|---|
| Age Limit | 21 to 58 years at the time of loan maturity |
| Employment Type | Salaried professional at an active firm |
| Minimum Net Monthly Income | ₹15,000 per month (in-hand credit) |
| Work Experience | Minimum 1 year total, with 6 months at the current employer |
| Minimum Credit Score | 650 or above (non-zero credit history also supported) |
Frequently Asked Questions (FAQs)
Upon submitting the online form, pre-approvals are generated in 15 minutes. The final credit verification and bank disbursal take between 4 to 24 business hours depending on document verification.
No, First Capital offers fully flexible terms. You can choose to pre-close or make early part-payments on your loan without any penalty foreclosure charges after the first 3 monthly payments.
First Capital offers personal loans up to ₹50 Lakhs. The exact amount eligible depends on your monthly income, credit history, and current obligations.