Important Notes

Registered Office & Corporate Office

Address : Capital First Limited. One Indiabulls Centre, Tower 2A & 2B, 10th Floor, Senapati Bapat Marg, Lower Parel (West), Mumbai - 400013.

Boardline Number : +91 (22) 4042 3400

Email Address : [email protected]

Customer Care Number : 1860-500-9900

Company Overview

Capital First Ltd (NSE: CAPF) is a leading Financial Institution in India focused on providing debt financing to MSMEs and Indian consumers. Capital First was founded in its current form in 2012 by Mr. V. Vaidyanathan by securing an equity backing of Rs. 8.10 bn from global Private Equity player Warburg Pincus, by way of buyout of an existing listed NBFC, and in the process the company got new shareholders, reconstituted a new board, started new business lines, and created a new brand and entity called Capital First. The founding theme of Capital First is that financing India’s 50 million MSMEs and its emerging middle class, with a differentiated model, based on new technologies provides a large and unique opportunity.

Unlike traditional models of financing, Capital First has successfully created new models of financing MSMEs and Indian consumers in hitherto unbanked and under-penetrated segments by using a differentiated model based on new technologies and deep analytics. The company provides financing for various purposes like business expansion, loans for Plant and Machinery, Office furniture, display panels, office automation like PCs, laptops and printers. With this differentiated approach, Capital First has financed over 2.25 million customers including more than 1.5 million self-employed individuals and MSMEs and built loan assets of Rs. 160.41 billion (USD 2.4 bn) (March 31st, 2016).

Within a short time, Capital First has built a large network and provides financing in 222 locations across the length and breadth of the country. The loan book of the company is of high quality as compared to the industry, with Gross and Net NPA 1.07% and 0.55% respectively. The company enjoys a high credit rating of AA+ which has been achieved by very select financial institutions in India. Capital First is focused on building an institution on strong pillars of ethics, values and high corporate governance.

Vision

- To be a leading financial services provider- admired and respected for high corporate governance, ethics and values.

- To primarily support the growth of MSMEs in India with debt capital through technology enabled platforms and processes.

- To finance the aspirations of the Indian Consumers using new-age analytics and technology solutions.

Values

Responsibility

They respect the fact that their investors have entrusted them with their capital, their partners with their faith, their customers with their confidence and their employees with their aspirations. They will measure their success by the success of their stakeholders and will work diligently to ensure that they fulfill their fiduciary responsibility.

Integrity

They firmly believe that the difference between a good business and a great organisation is the integrity of its people. They will conduct themselves ethically and transparently in all their dealings, both internal and external.

Leadership

They will maintain an environment which fosters creativity and encourages innovation. They believe that this will enable them to attract, retain and nurture the best talent and develop the business and thought leaders of tomorrow.

Mutual Respect

They will build an organization which has a positive mindset. By conducting every interaction with respect and consideration, they will create a self-reinforcing culture of success.

Community

They believe that it is their responsibility to contribute to the environment in which they operate. By investing in their community, they will not only improve their surroundings today, but also provide better opportunities for future generations.