When is my next EMI due? How can I view my EMI Status?
Please ensure you maintain an adequate balance in your bank account a day prior to the due date. In the event of non-realization of EMI on due date, Bounce Charges will be applicable on the unpaid installment in addition to Late Payment Charges.
I want to make my EMI payment. How can I do that ?
How do I review my active and completed loans?
How do I change my EMI due date?
How can I calculate my EMI amount?
I have applied for a new loan; how can I check its status?
How can I get my Statement of Account ?
Alternatively, you can request for a copy of your Statement of Account from your Dealer store from where you purchased your product. (Applicable for Consumer Durables and Two Wheeler Loans only)
How do I get my Welcome Letter ?
Alternatively, you can request for a copy of your Welcome Letter from your Dealer store from where you purchased your product. (Applicable for Consumer Durables and Two Wheeler Loans only)
How do I get my Interest Certificate ?
How do I get my Repayment/Amortisation Schedule ?
Alternatively, you can request for a copy of your Repayment Schedule from your Dealer store where you purchased your product. (Applicable for Consumer Durables and Two Wheeler Loans only)
How do I get my Provisional Certificate ?
Please select the ‘My Loans’ tab from the main menu. The details of your active loans will be displayed by default. Click on the ‘View Details’ button and select the Statements tab. Click on the Download button corresponding to the ‘Provisional Interest Certificate’ tab.
How do I get my No Objection Certificate (NOC) ?
Alternatively, you can email is at email@example.com to get a copy.
You also have the option to log in to the customer portal and under ‘My Loans’ select Closed Loans and click on the Statements tab. Here you will see your No Objection Certificate available to View and Download.
You can request for a copy of your NOC from your Dealer store where you purchased your product. (Applicable for Consumer loans only)
In case of a Two-Wheeler or a Pre-Owner Car Loan, please ensure your Vehicle Registration Copy (RC copy) is submitted to Capital First post the loan is disbursed. You can share a copy of your RC on firstname.lastname@example.org or WhatsApp the loan reference number and copy of RC on +91 (1141-522-422). In the absence of RC Book details, Capital First will not be in a position to issue the No- Objection Certificate and Form 35.
What are the charges applicable on my loan account ?
Kindly refer to the schedule of charges on the website for detailed charges. Below is information regarding them.
Penal Interest /Late payment charges – Besides normal interest, Sarvasva Capital may collect penal interest / late payment charges for any delay or default in making payments of any dues. If the EMI for the month bounces and payment against the same is not received in the same month, late payment charges will be applicable. These will be charged every month on a recurring basis till the payment is received. These penal interest / late payment charges for different products or facilities will be decided by Sarvasva Capital from time to time.
Bounce Charges – Sarvasva Capital may collect the bounce charges in case the EMI presented bounces. Charges will be collected up to 2 presentation bounces. These bounce charges for different products or facilities will be decided by Sarvasva Capital from time to time. No claims for refund or waiver of such bounce charges/ penal interest / additional interest will be entertained by Sarvasva Capital and it is the sole discretion of Sarvasva Capital to deal with such requests if any.
Change in Demographic Details
How do I update my Email ID ?
How do I update my Mobile no/Landline ?
How do I update my Address ?
How can I make my overdue payment ?
If you wish to make a payment please click on PAY EMI.Alternately to find out if you have any overdue charges, penalties or dues, log in to the customer portal, click on the main menu and select the ‘My Loans’ tab.The details of your active loans will be displayed by default. Click on the ‘View Details’ button and select the Charges tab. All the relevant charges will be displayed instantly.
If you wish to know about the various repayment options please visit the Repayment Options page.
Please note: Any payment received (other than Foreclosure) would be appropriated in the following order of priority –
2. Bounce charges
3. Penal interest
Can I make my advance EMI Payment ?
How do I get a receipt on cash payment of EMI, Charges, overdue etc. ?
You are requested to intimate Sarvasva Capital of any change in contact details to enable us send payment confirmations electronically.
What should I do if I do not receive the payment confirmation SMS/email instantaneously ?
How will I get a refund if my EMI gets debited twice from the account in the same month ?
How do I foreclose my loan ?
For other loans please call us at +91 (1141-522-422) or write to us at email@example.com to place a request for Foreclosure letter.
How can I make my foreclosure payment for Personal Loan/ Business Loan/ Loan Against Property ?
Are there any foreclosure charges applicable ?
You may refer to the Schedule of Charges displayed on the website for the foreclosure charges applicable product-wise.
When will I get my original Property Papers back after I foreclose my loan? (Applicable for Home Loan / Loan against Property /Mortgage Loan type Only)
For any other loan, all your documents including any unbanked/unused cheques of the Borrower(S) as issued in favour of Sarvasva Capital Limited with regard to the loan and presently in custody of Sarvasva Capital will be cancelled and/or destroyed immediately after closure of the loan either by way of maturity or repayment of loan and/or otherwise without any further notice.
How and when can I make a part prepayment? (Applicable for Home Loan / Loan against Property Or Mortgage Loan type Only)
Do I have to bear any prepayment charges ?
How do I swap my existing mode of loan repayment ?
» 3 New Mandate Forms duly filled – signed and authorized by your new Bank
» Half yearly bank account statement of the new account
»Swap charges of Rs 500 (to be paid either in cash or by cheque)
» A Cheque of the Current EMI
» All the Cheque should have the payee name as “Sarvasva Capital Limited” All Cheque should be CTS 2010 complaint only.
» All Cheque should bear borrower’s signature,
» There should not be any overwriting or alteration on the Cheque.
» No counter signature is allowed on the Cheque.
» The swap would be effective in the next month’s EMI on receipt of the new repayment documents on or before 18th for ECS & 22nd for PDC of current month else it would be effective from subsequent month’s EMI.
TDS is deductible on interest under Section 194A of the Income Tax Act 1961.
What is the Sarvasva Capital Limited PAN Number ?
How do I apply for my TDS refund ?
» Customer must deposit the TDS amount so due into the government account every month within the due date prescribed.
» As per the Income Tax Act, 1961, the customer should file TDS return within the due date prescribed at the end of each calendar quarter.
» Once returns are filed, customer must raise a TDS refund request to Sarvasva Capital Limited
If you are claiming TDS refund for the first time we would require below documents for processing:
1. EPS form (attached)
2. Original cancelled cheque (Name and account number should be clearly mentioned)
3. Original Form 16 A (with stamp in case of proprietorship/company)
4. Request letter on letterhead
If you have already claimed refund earlier through us we would require only Form 16 A with stamp and request letter.
If the details on the cancelled Cheque is not printed we would require either EPS form duly verified and stamped by respective bank or bank statement attested by bank.
Does the TDS certificate need to be submitted in original ?
Where can I send the TDS certificates ?
You may also send a hard copy of TDS certificates along with request letter to the following address:
Customer Service Department
Sarvasva Capital Finance pvt. Ltd ,
501 & 503, Mahatta Tower, B Block,
Community Center, Janakpuri, New Delhi- 110058
What are the dates by which the TDS certificates must reach Sarvasva Capital Limited ?
On or before 30th September for the quarter ending on June 30th
On or before 31st December for the quarter ending on September 30th
On or before 31st March for the quarter ending on December 31st.
On or before 31st July for the quarter ending on March 31st.
In the event of non-adherence to the above-mentioned timelines, Sarvasva Capital is not obligated to make the TDS refund.
Easy Buy Card (EBC)
What is an Easy Buy Card (EBC) ?
What is the loan amount on my Easy Buy Card ?
Where all can I use my Easy Buy Card ?
When will I receive my Easy Buy Card ?
What is my Easy Buy Card limit ?
You can now know your Easy Buy Card status by simply sending a SMS EBC << CRN NUMBER >> to +91 (1141-522-422).
What should I do if my Easy Buy Card gives an error while swiping ?
What are the charges for my Easy Buy Card ?
How can I apply for a new loan ?
How do I find out about Sarvasva Capital's latest offers ?
How do I update my CIBIL ?
What is the type of GST applicable ?
What is applicable GST rate for the charges or fees ?
How to get GST invoice/ processing fee invoice/GSTIN updation done ?
What is the GST registration details for Sarvasva Capital ?
Questions? We are happy to help you
About Loan against property
1. What is a loan against property ?
2. What is a loan against property ?
3. Will I have to provide a collateral or security for a long against property ?
4. Do I need to go Sarvasva Capital branch to get a loan against property ?
If you have any questions regarding the loan against property application process, please feel free to contact our customer care at +91 (1141-522-422) or write to us at firstname.lastname@example.org.
5. How long does it takes to get a loan against property ?
6. Who can take a loan against property from Sarvasva Capital ?
7. The property is jointly owned; Can I still take a loan against property ?
8. How will you determine my loan against property eligibility ?
Your age: You should be at least 23 years at the time of loan application and maximum 70 years of age at the time of loan maturity.
Your work experience: We require salaried employees to have 5 years of work experience while self-employed individuals should have been in business for at least 2 years.
The property: The property should have a clear title. We also take into account the valuation of the property.
Good credit rating: We examine your CIBIL record; we extend credit to individuals and entities with a good credit rating.
9. Is it possible for self-employed to get a loan against property ?
10. What property can be considered as collateral for loan against property ?
Self-occupied residential property like your house or flat etc.
Commercial properties like office and shops etc.
Industrial properties like godowns and industrial gala etc.
Alternative properties like residential plots, hotels, etc.
11. Do I have to pay any free for applying for a loan against property ?
12. Is the loan against property from Sarvasva Capital fixed or floating ?
13. What will happen to the tenure of my loan if the interest rate reduces ?
14. Are there any advantages to taking a loan against property from Sarvasva Capital ? There are several advantages in getting a loan against property from Sarvasva Capital, some of which are :
Accept different type of properties like Residential, Commercial, Industrial and Residential Plots
Offer very competitive Loan to Value.
Best Turn Around Time.
15. What facilities will I get if I take a loan against property from Sarvasva Capital ?
16. What is the maximum loan amount I can get ?
17. What documents are required to get a loan against property from Sarvasva Capital ?
The loan against property documents required is as follows:
Proof of educational qualifications (where applicable)
Details about the property that is to be mortgaged
Income tax returns, Balance Sheet and Profit and Loss Account Statement for past 2 years.
Bank Statements for the past 6 months
18. Does the property against which I am taking loan have to be insured?
19. What is the loan against property sanctioning process?
Underwriting and verifications
20. How will my EMI be calculated?
21. Can I pre-pay my loan?
22. What is pre-EMI interest?
23. What is the EMI date offered by Sarvasva Capital ?
The EMI date is the 2nd or 5th of every month. Please note that there is no alternative EMI date available.
24. How often do interest rates change?
We examine the interest rate situation periodically and make a decision regarding re-pricing. Interest rates change based on external and internal factors such as PLR as well as the cost at which Sarvasva Capital acquires funds.
25. Can I cancel my application after my loan has been approved?
Yes, you can cancel your application after your loan has been approved. However, we would deeply regret the loss of your patronage. Please call us at +91(1141-522-422) or write to us at email@example.com and we will help you with processing your cancellation request.
26. I have a question that is not listed here; what do I do?
*Terms and Conditions Apply