FAQ

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.

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)

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)

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)

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.

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.

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.

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

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.

You may refer to the Schedule of Charges displayed on the website for the foreclosure charges applicable product-wise.

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.

» 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.

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.

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

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.

You can now know your Easy Buy Card status by simply sending a SMS EBC << CRN NUMBER >> to +91 (1141-522-422).

 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.

 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.

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.

Application
Underwriting and verifications
Loan Sanctioning
Final documentation
Loan disbursement