Capital First’s Easy Top Up Offer

By now, you would have received an offer communication on your email or SMS or noticed it
while browsing through Capital First’s mobile app or customer portal and you might be
wondering what to do next to avail this offer. This document has been created to help you with
the next steps.

STEP 1: Click on the link received in the offer communication.

STEP 2: You will be redirected to a page that will display the offer; this screen gives the
maximum eligible Top Up amount you are eligible for on an existing loan from Capital First.

As an added convenience to you, we have extended this offer to you with no change in your
monthly EMI. You continue to pay what you already pay and it will just take a bit longer to
complete the topped up loan.

What’s more, with this offer you also get to enjoy a lower interest rate on the overall loan
(including the old outstanding).

To avail of this offer and choose your desired top up amount, click on the “Choose Top Up
Amount” button.

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 If you require any assistance at any point of time during this process, press “Request a Call
Back” on the top right corner of the page. A representative from Capital First will get in touch
with you on your registered mobile number as soon as possible to provide assistance.

You can also view this document anytime by clicking on the “Help” button, also located on the
top right corner of the page.

STEP 3: The new page that has opened lets you select the actual top up amount you desire
against the maximum possible top up amount calculated by our systems. This page is the most
important page in this whole process. Please pay careful attention to the details presented on
this page.

You can select your desired top up amount either by dragging the slider or entering the amount
manually in the top right box present on the screen. Please note that the top up amount
selected should be in multiple of 1000 only.
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 As you select the top up amount, the numbers on the bottom right side of the screen
automatically change. These numbers indicate the effect on your existing loan by selecting the
top up amount selected by you.

Principal Outstanding on Loan Amount (After Top Up) indicates the total principal that will be
outstanding on your loan amount post availing the top up offer. This is calculated by adding
your selected top up amount to the current principal outstanding on your loan amount. No
extra charges are added to the loan amount.

Remaining Loan Tenure (After Top Up) indicates the remaining total number of months you will
need to pay the EMI to complete the loan after the top up. This is calculated by adding the extra
tenure required to repay your top up amount (with the EMI remaining the same) to the current
remaining tenure on your loan account. Sometimes this figure is rounded off to the nearest
month to enable easier accounting. Any extra amount paid in the last month will be refunded to
you upon closure of the loan.

Loan End Date (After Top Up) indicates the new end date of the loan post availing the top up.
This is calculated similar to the remaining loan tenure and acts as a reference point for you.

Interest Rate (After Top Up) is calculated basis our internal scoring methods. Please note that
the interest rate (after top up) is applicable on the entire principal outstanding (including your
old loan principal outstanding). This is provided as a special offer from Capital First.

Also note that this interest rate is calculated on a “Flat Rate” basis. Corresponding “Reducing
Rate (APR)” can be viewed on your loan agreement.

After selecting your desired top-up amount, click on “Confirm & Continue” to proceed to the
next step.

STEP 4: In this step, the site displays your current bank account details present with Capital First.
Please verify if these details are correct.

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 If your main bank account has changed, please let us know by clicking on the “Edit” button in
the screen. This is important as your Top Up amount is automatically credited to the bank
account number shown here. In case the details are incorrect, there is a chance that your top up
amount will get credited to the wrong account.

If the bank account details are correct, please click on the “Continue” button to proceed to the
next step.

STEP 5: In this step, we ask you to please confirm your personal details present with Capital
First. It is important that you provide correct and accurate details as this enables all
communications from Capital First to reach you on time and correctly.

Firstly, please verify that your email address present in our systems is correct.

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 If these details are incorrect, please click on the “NO” button under the text “My email address
is correct”. This will open up a space for you to enter your correct email address, please enter
your active e-mail address in this space. Please take a minute to verify if you have entered the
correct address as your loan agreement would be sent only to this e-mail address.

If your email address is correctly captured in our system, you can skip this point by leaving the
slider under “My email address is correct” in “YES” position.

Next, verify your address for correspondence. For your convenience, we have pre-filled this
address from the address present in our records.

Please verify this address carefully as the disbursal of the loan will be subject to a verification of
this address in certain cases. If your correspondence address is same as the address shown, you
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 can move on to next point and leave slider under “My address for correspondence is same as
permanent address” in “YES” position.

If your correspondence address is different from the address displayed here, please move the
slider under “My address for correspondence is same as permanent address” to “NO” position.
This will open a new section where you can fill in your new correspondence address.

Please note that the City and State in this form are automatically fetched using the PIN Code
entered by you and hence are not manually editable. Once you have inputted the correct
address, you can move on to the next section.

Next, you will be asked to verify your employment details.

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 If your employment details are incorrect, please move the slider under “My employment details
listed here are correct” to “NO” position. This will open a section beneath for you to fill in your
employment details.

If you are currently employed with an organization (Salaried)

#1 Select “Salaried” from the section that has opened up below

#2 Fill your employer details below including the Company name and Company Address

As with the correspondence address, the City and State values in this form are also auto filled
basis the PIN Code of the address entered. Kindly also make sure to input your correct work /
corporate provided email address.

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 If you currently run your own business (Self Employed)

#1 Select “Self Employed” from the section that has opened up below

#2 In the form below, kindly first select the if your company address is same as residence
address under the heading “Company Property Use”. That is, if your office and home are located
at the same address, please select “Property Used For Residence Also” from the dropdown for
Company property use.

Else, please select Property Used for Office Only.

#3 Then proceed to fill in your company name and address in the form.

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 As earlier, the City and State parameters are auto filled basis the PIN Code entered by you.

Once you are done verifying and editing your details, please click on the confirm button at the
end of the page to proceed to the next step.

STEP 6: Your loan agreement is displayed by the system in this step. Please read this loan
agreement very carefully and confirm all the details present in this loan agreement are correct.

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 Please also make sure to read the terms and conditions associated with this loan. These are
viewable by clicking on the “Terms and Conditions” Link at the bottom of the page. By clicking
on “I agree with terms and conditions”, it will be deemed that you have explicitly read and
agreed to the terms and conditions of Capital First Limited in applying for this top up.

To proceed further, click on the check box to the left of “I agree with terms and conditions” and
then click on “Agree and Sign”

STEP 7: To sign the loan agreement, you will need to enter the One Time Password (OTP) sent
to your mobile number registered with Capital First Limited in the next screen.

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 Once you have entered the correct OTP, click on Submit button to complete this process.

After you click on Submit, the system will take a few seconds to submit your loan application.
After a successful submission, you will get a success screen similar to the one below.

Congratulations! You have successfully applied for a top up on your personal loan with this.
You may receive a verification call from Capital First representative to verify your application.
Your top up amount will be disbursed to your loan account post this verification.

Need help? Reach out to us.

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1800-103-2791
customer.care@capitalfirst.com