Find quick answers to common questions about our loan services and application process.
Q: What is capitalassistindia?
A: capitalassistindia is a financial services company that provides various types of loans including personal loans, business loans, home loans, and education loans with competitive interest rates and minimal documentation.
Q: Where are you located?
A: Our registered office is located at Rajapur, Pocket 24/3, Sector 9, Rohini, Delhi, 110085. We provide services across India with primary focus on Delhi NCR region.
Q: Are you RBI registered?
A: Yes, we operate in compliance with RBI guidelines and work with RBI-approved partner banks and NBFCs for loan disbursement.
Q: What types of loans do you offer?
Q: What are your interest rates?
A: Our interest rates start from 9.5% per annum. The final rate depends on your credit profile, loan amount, tenure, and current market conditions.
Q: What is the maximum loan amount I can get?
A: Loan amounts vary by product type. Personal loans go up to ₹30 lakhs, while business and home loans have higher limits based on eligibility and requirements.
Q: What are the basic eligibility requirements?
Q: What credit score do I need?
A: Generally, a CIBIL score of 650 or above is preferred. However, we evaluate applications holistically considering income, employment stability, and other factors.
Q: Can I apply if I'm self-employed?
A: Yes, we provide loans to both salaried individuals and self-employed professionals/business owners with appropriate income documentation.
Q: How do I apply for a loan?
A: You can apply online through our website, call our customer service, or visit our office. The process involves filling an application form and submitting required documents.
Q: What documents do I need?
Q: How long does the approval process take?
A: Document verification is completed within 24 hours, and loan disbursement typically happens within 24-48 hours of approval.
Q: Is there an application fee?
A: No, there is no application fee. You only pay processing fees after loan approval, which is up to 2% of the loan amount.
Q: What are the repayment options?
A: We offer flexible EMI options through NACH, post-dated cheques, or online bank transfers. You can choose monthly repayment schedules.
Q: What are the loan tenures available?
Q: Can I prepay my loan?
A: Yes, you can prepay your loan partially or fully without any prepayment charges.
Q: What happens if I miss an EMI payment?
A: We provide a grace period of 15 days. After that, late payment charges of 2% per month apply on the overdue amount.
Q: What are all the charges involved?
Q: Are there any hidden charges?
A: No, we maintain complete transparency. All charges are clearly mentioned in the loan agreement and communicated upfront.
Q: When do I pay the processing fee?
A: Processing fees are collected only after loan approval and before disbursement. No upfront fees are charged during application.
Q: How is the loan amount disbursed?
A: Loan amount is directly credited to your bank account via NEFT/RTGS within 24-48 hours of final approval and documentation.
Q: Can I get the loan in cash?
A: No, as per RBI guidelines, all loan disbursements are made through banking channels directly to your registered bank account.
Q: What if my loan gets rejected?
A: If your loan application is rejected, we will inform you of the reasons. You can reapply after addressing the issues or improving your credit profile.
Q: Will checking my eligibility affect my credit score?
A: Initial eligibility checks are soft inquiries that don't impact your credit score. Hard inquiries are made only when you formally apply.
Q: How can I improve my credit score?
Q: Can I get a loan with a low credit score?
A: While a good credit score improves approval chances, we consider multiple factors including income stability and employment history for loan decisions.
Q: Is my personal information safe?
A: Yes, we use advanced security measures including SSL encryption and follow strict data protection protocols. Your information is shared only with authorized parties for loan processing.
Q: Do you share my information with third parties?
A: We share information only with partner banks, credit bureaus, and regulatory authorities as required for loan processing and compliance. We never sell your data to marketers.
Q: How can I update my contact information?
A: You can update your contact details by calling our customer service, emailing us, or visiting our office with appropriate identity proof.
Q: How can I contact customer support?
Q: What are your customer service hours?
A: Our customer service is available Monday to Saturday from 9:00 AM to 7:00 PM. Email support is available 24/7.
Q: How do I file a complaint?
A: You can file complaints through email at support@capitalassistindia.com, call our helpline, or write to our registered office. We respond within 48 hours.
Q: What if I lose my job after taking a loan?
A: Inform us immediately about job loss. We may offer temporary relief measures like EMI restructuring or moratorium based on your situation and payment history.
Q: Can I transfer my loan to another bank?
A: Yes, you can transfer your loan balance to another lender. However, prepayment of the existing loan will be required as per terms.
Q: What happens in case of borrower's death?
A: If the loan is covered by insurance, the insurance will settle the outstanding amount. Otherwise, legal heirs become responsible for the debt as per applicable laws.
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