FAQ

Loan Details


When is my next EMI due? How can I view my EMI Status?

The EMI due date is 2nd or 5th of every month. To view your EMI Status, log in to the customer portal and from the homepage itself you will see your Active Loans. On the right there is a View Details button. Clicking on that will provide you detailed information of your loan account and you can Download your Account Statement, View Charges and Check your Repayment Schedule from here.

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 ?

Log in to the customer portal and in the main menu on the left you will see a ‘Pay EMI’ option. Click on ‘Pay EMI’ and enter your Loan Account No., Email ID and Mobile No. You can choose from multiple payment options that include PayTM, Bill Desk, Vodafone M-Pesa, Airtel Money, Jio Money, Ola Money and Freecharge. Enter the Captcha code and then click on ‘Proceed’ to complete your payment.

How do I review my active and completed loans?

It’s very simple to locate information of your active and completed loan accounts.Once logged into the customer portal. Under ‘My Loans’ in the menu click on ‘My Current Loans’. You will see two tabs; one shows your active loans and the other your completed loans. Click on the relevant tab to obtain information about your loans.

How do I change my EMI due date?

We currently do not have an option of changing the EMI due date. This is keeping in mind the uniformity of payment due dates for all our customers.

How can I calculate my EMI amount?

To find out your EMI amount, use our EMI calculator on the customer portal. Simply select the ‘EMI calculator’ option from the menu under Customer Service on the portal. Select the Loan Type from the dropdown list and select your Loan Amount, Interest Rate and Tenure. You will get to know your EMI instantly. What’s more, you can even apply for a loan by simply clicking on the ‘Apply Now’ button right from the calculator.

I have applied for a new loan; how can I check its status?

You can check the status of your loan application by simply clicking on the menu button in the customer portal, select the ‘My Loans’ tab and ‘My Loan Applications’ option. The status of your application will be displayed. If for some reason you can’t see your application status, you can contact customer care at +91 (1141-522-422) or write to us at info@sarvasvacapital.com.

How can I get my Statement of Account ?

If you would like to download your account statement, select the ‘My Loans’ tab from the menu. The details of your active loans will be displayed by default. Click on the ‘Account Statement Download’ button to obtain your account statement instantly.

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 ?

You can view and also download your Welcome Letter in a matter of seconds. All you have to do is log in to the customer portal and select ‘My Current Loans’ under My Loans. Here you will see a ‘View Details’ button on the right hand side. After clicking on View Details you will see a Statements Tab. Click on that to see a list of documents which you can view and download including the 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 ?

In order to download your interest certificate, log in to the customer portal and 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 Interest Certificate option.

How do I get my Repayment/Amortisation Schedule ?

In order to know your repayment schedule, select the ‘My Loans’ tab from the menu in the customer portal. The details of your active loans will be displayed by default. Click on the ‘Repayment Schedule Download’ button to obtain your repayment schedule instantly.

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 ?

You can view and also download your Provisional Certificate on the customer portal.

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) ?

Once you have completed paying the EMIs of your loan, the NOC will be sent to your registered mailing address updated in our records.

Alternatively, you can email is at info@sarvasvacapital.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 info@sarvasvacapital.com 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 ?

All the information related to charges is available on our customer portal. From the main menu, select the ‘My Loans’ tab. The details of your active loans will be displayed by default. Click on the ‘View Charges (Proceed)’ button to obtain details of the charges on your loan instantly.

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 ?

You can call on our helpline number +91 (1141-522-422) or write to us at info@sarvasvacapital.com and get your email id updated in the system.

How do I update my Mobile no/Landline ?

You are requested to call from your registered mobile number on our helpline number +91 (1141-522-422) or you visit your nearest branch along with latest mobile bill and get your number updated.

How do I update my Address ?

You can place a request by writing to us on info@sarvasvacapital.com along with your valid address proof which needs to be updated. The address gets updated in the system once address verification is completed.

Payment Related


How can I make my overdue payment ?

Sarvasva Capital is completely transparent about any charges overdue on your account.

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 –

1. Installment
2. Bounce charges
3. Penal interest

Can I make my advance EMI Payment ?

You can make an online advance payment up to 1 EMI by visiting our website www.sarvasvacapital.com and clicking on Pay EMI on the top right of the homepage. You also have the option to log in to our customer portal for the same. You may also visit the nearest branch to make this payment. If you are paying advance EMI, please inform us to hold the EMI by calling our customer care and provide the payment transaction ID, so that no bounce charges will be levied on your account.

How do I get a receipt on cash payment of EMI, Charges, overdue etc. ?

Sarvasva Capital has now started sending payment confirmations electronically via SMS and Email only. Issuance of physical receipts has been discontinued. An e-receipt will be sent on your registered mobile number/ Email ID for reference, after making the payment.
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 ?

You should ask for a duplicate receipt in case SMS/Email does not get triggered instantaneously to your registered mobile number and registered email ID at the time of payment collection.

How will I get a refund if my EMI gets debited twice from the account in the same month ?

You have to raise the request for refund of excess EMI or you can raise the request for adjustment of advance EMI in next month by calling our customer care number +91 (1141-522-422) or you can write to us at info@sarvasvacapital.com.

Foreclosure


How do I foreclose my loan ?

You can now foreclose your consumer durable loan through the quick pay option on our website www.sarvasvacapital.com. Please ensure that your loan details are correctly reflecting on the screen before making any payment.

For other loans please call us at +91 (1141-522-422) or write to us at info@sarvasvacapital.com to place a request for Foreclosure letter.

How can I make my foreclosure payment for Personal Loan/ Business Loan/ Loan Against Property ?

You can visit your nearest Sarvasva Capital Branch and make payment through cash (Upper Limit Rs 50,000) /cheque mode or through your Debit card and get the e-receipt for the payment made through email /SMS.

Are there any foreclosure charges applicable ?

Foreclosure charges are applicable for all loans except consumer durable loans. We do not levy foreclosure charges for consumer durable loans.

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)

Once the loan is foreclosed in our system the original property documents will be handed over in 15 working days from date of closure.

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.

Part prepayment


How and when can I make a part prepayment? (Applicable for Home Loan / Loan against Property Or Mortgage Loan type Only)

Part Payment is not allowed within the first 12 months of the loan disbursal. Post 12 months, you can pay up to 20% of the current Principal Outstanding.

Do I have to bear any prepayment charges ?

Part payment is allowed up to 20% of the current POS post completion of 12 months (MOB) without any charges. If payment is done over & above 20%, charge will be applicable at 3% or as per the Sanction letter on the complete payment given by the customer.

Swapping


How do I swap my existing mode of loan repayment ?

You need to submit the below mentioned documents in order to ensure smooth processing of your EMIs.

» 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

Important Notes:

» 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 Refund


TDS is deductible on interest under Section 194A of the Income Tax Act 1961.

What is the Sarvasva Capital Limited PAN Number ?

PAN – AACCK6863C

How do I apply for my TDS refund ?

» All customers who are liable to deduct the TDS, must pay TDS as per applicable rate (currently 10%) for the interest and fees being paid to Sarvasva Capital Limited..
» 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 ?

Yes. Original TDS certificate is required to be submitted for claiming the refund.

Where can I send the TDS certificates ?

You can send digitally signed TDS certificates along with scan copy of request letter to info@sarvasvacapital.com, Alternatively, hard copies of Original TDS certificates along with request letter and copy of cancelled cheque can be submitted at a Sarvasva Capital branch.

You may also send a hard copy of TDS certificates along with request letter to the following address:

Customer Service Department
To,
Customer Service(TDS)
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 ?

The original TDS certificates along with request letter must reach sarvasva Capital Limited by following dates:

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) ?

Sarvasva Capital Limited issues an Easy Buy Card to its privileged customers. It allows you to purchase various consumer durable goods such as televisions, refrigerators, smartphones, air conditioners and more by simply swiping your card at dealer outlets we have a tie up with. This card issues a pre-approved Consumer Durable Product Loan limit and you can make purchases up to this limit. This is not a credit card.

What is the loan amount on my Easy Buy Card ?

The pre-approved loan amount on your card depends on the loan amount assigned to you by Sarvasva Capital at the time of taking a Consumer Durable loan. This loan amount varies for each individual.

Where all can I use my Easy Buy Card ?

You can use the EBC at any of the dealer outlets we have a tie up with in India.

When will I receive my Easy Buy Card ?

You will be eligible for an EMI card after successful clearance of your 1st 4 EMIs. The card will be dispatched to you after 45 days from payment of the 4th EMI.

What is my Easy Buy Card limit ?

To check this limit, all you have to do is click on the menu icon and select ‘Easy Buy Card’ from the list. Your limit will be displayed on the page.

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 ?

Our representatives at the dealer outlet will be there to assist you for any query related to your Easy Buy Card. In case your problem is not resolved, please call us on +91 (1141-522-422)

What are the charges for my Easy Buy Card ?

The Easy Buy Card comes to you by making a one-time payment of a nominal fee of Rs. 412/.

Other Queries


How can I apply for a new loan ?

You can apply for a wide variety of loans through our customer portal. On the portal select ‘Apply for Loan’ from the menu. Select the type of loan you would like to apply for from the dropdown list that appears on the page under ‘Our Products’ and then click on the ‘Apply Now’ button. You may even contact customer care – +91 (1141-522-422), walk in branch or email us at info@sarvasvacapital.com

How do I find out about Sarvasva Capital's latest offers ?

It is possible to view special offers that are applicable to your account through the customer portal. Click on the menu tab and select the ‘Offers’ option. You will get all the relevant offers. Just click on the ‘Apply Now’ button and you are ready to go.

How do I update my CIBIL ?

Please note that post closure of your loan, your CIBIL Report will be updated by us by the 20th of the next month. In case of any discrepancy please write to us at info@sarvasvacapital.com.

What is the type of GST applicable ?

CGST and SGST/ UTGST will be levied on intra-State supplies. IGST will be levied on inter-State supplies.

What is applicable GST rate for the charges or fees ?

GST rate for the charges or fees would be 18%.

How to get GST invoice/ processing fee invoice/GSTIN updation done ?

Please submit the GSTIN certificate and declaration at the nearest branch or write to us at info@sarvasvacapital.com.

What is the GST registration details for Sarvasva Capital ?

GST registration details for CFL are given below –

Questions? We are happy to help you

About Loan against property

1. What is a loan against property ?

It is a loan offered to individuals /firms/companies basis their existing property. Typically the purpose of the loan is – Business expansion, Debt consolidation etc. Loan against property helps you unlock the hidden equity in your property holdings. You can borrow money using property as a collateral and repay in EMIs over time. This allows you to hold on to your property and at the same time, raise funds.

2. What is a loan against property ?

It is a loan offered to individuals /firms/companies basis their existing property. Typically the purpose of the loan is – Business expansion, Debt consolidation etc. Loan against property helps you unlock the hidden equity in your property holdings. You can borrow money using property as a collateral and repay in EMIs over time. This allows you to hold on to your property and at the same time, raise funds.

3. Will I have to provide a collateral or security for a long against property ?

In order to secure a loan against property, the collateral will be the property in question. You will have to deposit the title deeds or other relevant documents with Sarvasva Capital. It is a requirement that the deed of the property be free of any encumbrances such as existing mortgages, loans or pending litigation.

4. Do I need to go Sarvasva Capital branch to get a loan against property ?

No, there is no need to visit a branch to apply for a loan against property. We have made the process simple; you can apply for a loan against property through our website.
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 info@sarvasvacapital.com.

5. How long does it takes to get a loan against property ?

At Sarvasva Capital, we have simplified the process of obtaining a loan against property. You can visit our website and apply for the loan by submitting your details.We will call you back and notify you if you are eligible. Thereafter, you can submit your documents to our representative who will visit either your home or office as per your convenience. We strive to process the complete application within 72 hours of complete document submission. 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
info@sarvasvacapital.com.

6. Who can take a loan against property from Sarvasva Capital ?

Sarvasva Capital gives loan against property to a wide variety of customers from diverse backgrounds. This includes salaried and self-employed professionals, sole proprietors and owners of partnership firms. You should be at least 23 years of age at the time of taking the loan and your maximum age should not exceed 70 years. We require salaried individuals to have at least 5 years of work experience. Self-employed individuals should have been in business for at least 2 years with a positive net worth. Additionally, you should have a clear banking and loan payment history and have a good credit rating score. Capital First also extends loan against property to Micro, Small and Medium Enterprises (MSME).

7. The property is jointly owned; Can I still take a loan against property ?

Yes, it is possible to take a loan against property in case of multiple owners as long as all co-owners apply as co-applicants to the loan. If you have any questions regarding loan against property, please feel free to contact our customer care at +91(1141-522-422) or write to us at info@sarvasvacapital.com.

8. How will you determine my loan against property eligibility ?

There are a number of factors that are taken into consideration before we approve your application for a loan against property. These include:

 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 ?

Yes, it is possible for self-employed individuals to get a loan against property. We give loans against property to sole proprietors, self-employed individuals and partnership firms. There is a requirement that self-employed individuals should have been in business for 2 years. The minimum age at the time of application is 23 years and the maximum is 70 years at the time of loan maturity.

10. What property can be considered as collateral for loan against property ?

You can take a loan against property for the following types of properties:

 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.

Cost

11. Do I have to pay any free for applying for a loan against property ?

Yes, there is an application fee of Rs 5,500 for verification which includes legal and valuation charges. Fee also depends on number of properties offered and size of properties. Applicable GST will also be levied on the application fee amount.

12. Is the loan against property from Sarvasva Capital fixed or floating ?

We offer a fixed as well floating loan against property to our customers. If you opt for floating, you can take advantage of the prevailing interest rates. If you have any questions about loan against property interest rates, please feel free to call us at +91(1141-522-422) or write to us at info@sarvasvacapital.com and we will provide you the necessary information. Please use our loan against property EMI calculator, which will help you ascertain the cost of the loan, your EMI amount and other parameters.

13. What will happen to the tenure of my loan if the interest rate reduces ?

If the interest rate reduces, Sarvasva Capital will reduce the tenure of the loan, If you have any questions about your tenure, please feel free to call us at +91 (1141-522-422) or write to us at info@sarvasvacapital.com and we will be glad to assist you.

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 :

Long tenure loans are available up to 15 years.

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 ?

There is hidden equity locked away in your property. At Sarvasva Capital, we help you unlock it. Sarvasva Capital loan against property can be applied online by submitting your details through our website. We will arrange for a call back and let you know if you are eligible. Repayment of your loan can be made easily through Electronic Clearing Service (ECS). With the advent of National Automated Clearing House (NACH) monitoring and regulation, EMI repayments have become easy through the ECS route due to management of National Payments Corporation of India (NPCI).
Loan Parameters

16. What is the maximum loan amount I can get ?

You can get a loan against property from a minimum of Rs. 5 lakh to a maximum of Rs. 50 Lakh. If you have any questions regarding loan against property, please feel free to call us at +91 (1141-522-422) or write to us at info@sarvasvacapital.com and we will be glad to assist you.

17. What documents are required to get a loan against property from Sarvasva Capital ?

In order for us to process your application, we require a number of documents. Some documents must be mandatorily provided as per the Reserve Bank of India (RBI) guidelines.
The loan against property documents required is as follows:
Identity proof
Address proof
Income proof
Proof of educational qualifications (where applicable)
Age proof
Employment details
Bank statements
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?

Yes, in order for us to approve your application, you will have to ensure that the property you are mortgaging is insured for fire and other perils as is required by Sarvasva Capital. The insurance should provide coverage throughout the tenure of the loan and it is a requirement that you provide the proof of continued coverage each year or whenever you are requested to do so. Cost of insurance is to be borne by the owner/s of the property and not by Sarvasva Capital.

19. What is the loan against property sanctioning process?

After we have received your application, there is a process to sanction and disburse loan against property. Broadly the process followed is:

Application
Underwriting and verifications
Loan Sanctioning
Final documentation
Loan disbursement

20. How will my EMI be calculated?

Your EMI consists of two components, the principal amount as well as the interest rate charged on the principal. The factors that determine the EMI are the amount you borrowed, the rate of interest applied and the loan tenure. It is calculated by the Reducing balance method. Interest will be calculated on outstanding loan amount.

21. Can I pre-pay my loan?

YYes, you can make a pre-payment of your loan; this will help reduce your principal outstanding. For more details please feel free to contact us at +91 (1141-522-422) or write to us at info@sarvasvacapital.com and we will provide you with the necessary information relating to pre-closure and foreclosure.

22. What is pre-EMI interest?

Commencing from the date of each disbursement, pre-EMI interest is the interest that you need to pay on the amount that you have borrowed from Sarvasva Capital. This amount is calculated on a pro-rata basis till payment of the first EMI.

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 info@sarvasvacapitaal.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?

We will be glad to help you with any questions regarding the Sarvasva Capital loan against property. Please feel free to call our customer representative at +91(1141-522-422) or email us at info@sarvasvacapital.com. If you have a more pressing matter to discuss, feel free to visit any of our branches and speak to our customer representatives.

*Terms and Conditions Apply