Frequently asked questions
Is Recapita Finance a registered company?
Yes. Recapita Finance Pvt Ltd is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (Regn No. B-03.00185), CIN U65999MP2016PTC042062, operating since 2017 from Bhopal, Madhya Pradesh.
How do I apply for a loan?
Apply online through our Apply page — our customer care executives will get in touch, guide you through document verification, and once approved, the loan is disbursed directly to your bank account.
How fast is the disbursal?
For eligible gold loans, funds can be disbursed the same day after valuation and KYC. Other products are disbursed after document verification and credit approval; timelines depend on your documentation and eligibility.
What documents do I need?
Basic KYC (Aadhaar, PAN), and depending on the product, income proof or business documents. Each product page lists exactly what is needed.
Are there hidden charges?
No. All applicable charges — processing fees, interest, penal charges and prepayment charges — are disclosed up front in your Key Fact Statement and sanction letter before you sign. Our full Schedule of Charges is published in the Interest Rate Policy.
How do I pay my EMI?
Your EMI is collected through the auto-debit mandate set up at disbursal. For any payment query, contact our customer care team or visit your nearest branch and they will guide you.
Does Recapita check my credit score?
Yes, as part of responsible lending we work with TransUnion CIBIL, Experian, Equifax and CRIF High Mark. Repaying your Recapita loan on time helps build your credit history.
How do I raise a complaint?
Use the Complaint page linked in the footer or call us at +91 9109915411 — we take grievance redressal seriously as an RBI-registered NBFC.
Ready to conquer your next milestone?
Apply online and our team will get in touch - or call us directly at +91 9109915411.