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CEO Speak
A New look, a New beginning
Dear Customers and Partners,
I am pleased to announce the completion of the merger of IDFC Bank and Capital First, officially combined to form a new enterprise which will be called IDFC FIRST Bank.
The merger is a milestone in the history of the two institutions and marks the beginning of a new journey. It enables both institutions to expand capabilities and reach, to better serve our esteemed customers.
IDFC FIRST Bank represents the common vision that IDFC Bank and Capital First have been pursuing for many years, but on a much broader scale. It is a universal bank, committed to offering a wider range of retail banking solutions, backed by exceptional service, to millions of people across the country.
We are excited to begin at a time when the banking space is changing rapidly, driven by digitisation, a new market of first-time borrowers, customer preferences and a conducive regulatory environment.
We believe an immense opportunity awaits all of us, as IDFC FIRST Bank starts to invest in customer-driven innovation that will create new liability products, new credit markets and new jobs" keeping in view the needs of a new India. IDFC FIRST Bank will also use technology extensively to serve the entire ecosystem of small enterprises, entrepreneurs, consumers and corporates.
We thank all our customers and stakeholders for their continued support.
Wishing you all continued success and growth together with us.
Warm regards,
V. Vaidyanathan.
The merger has been approved by the hon'ble National Company Law Tribunals of Mumbai and Chennai and other regulatory bodies. The merger became effective on 18th December 2018. While the merger has been approved, we are in the process of consolidating all the processes of the two organizations and soon we will have a single window for both Capital First and IDFC Bank customers to transact and strengthen the relationship with the combined entity.
Sequence of Events -
Effective date of merger is 18th December 2018.
Yes, the Honorable National Company Law Tribunals of Mumbai and Chennai have approved the merger of Capital First Ltd. with IDFC Bank Ltd. and with effect from 18th December 2018, Capital First and IDFC Bank will operate as one entity.
With this merger, IDFC FIRST Bank is now one stop solution for all banking needs, be it loans, savings or business banking products. Our customers will now have the benefit of availing an array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.
IDFC FIRST Bank is the board approved name of the new combined entity (subject to requisite approvals). Once the approvals are received, IDFC bank Ltd. will be renamed as IDFC FIRST Bank Ltd.
Capital First Ltd. & Capital Home Finance Ltd. are now merged with IDFC Bank Ltd. and will not operate as separate companies. However, all the customers of Capital First Ltd. and Capital Home Finance Ltd. automatically become IDFC FIRST Bank customers.
The servicing of the products will continue without any hindrances. All the processes, website, mobile app of Capital First will continue to operate as before in the new entity.
We are in the processing of merging the operations of the two organizations, until then Capital First brand may be used in communication
The merged entity is called IDFC FIRST Bank.
Effective Date shall be December 18, 2018 pursuant to filing of both the Orders passed by NCLT respectively with Registrar of Companies.
IDFC Bank Ltd. shall issue 139 (One Hundred and Thirty Nine) Equity Share of the face value of Rs. 10 (Rupees Ten) credited as fully paid-up, for every 10 (Ten) equity shares of the face value of Rs. 10 (Rupees Ten) each fully paid-up held by such Equity Shareholder in the Capital First Ltd.
As per the statutory process, the investors of Capital First will be allotted the shares of IDFC Bank as per swap ratio in proportion to their holding as on Record Date and credited tentatively by second week of January, 2019 by IDFC Bank. The investors will not have to do anything specific and the shares would get automatically credited to their respective Demat account directly by the Bank and allotted physical shares to those holding shares in physical mode. For any clarification, they can reach out to the Company Secretary at bank.info@idfcbank.com
No, the existing IDFC Bank shareholders do not get any shares of Capital First.
Post the effectiveness of amalgamation, the Capital First shareholders can contact the Registrar and Share Transfer Agents of IDFC Bank:
Karvy Fintech Private Limited [Unit: IDFC Bank Ltd.],
Karvy Selenium Tower B, Plot 31-32,
Gachibowli, Financial District, Nanakramguda,
Serilingampally, Hyderabad - 500 032
Email: einward.ris@karvy.com
Contact: +91 40 67161500 and Toll Free No.: 1800 345 4001
The trading for Capital First shares will be suspended on 28th December 2018, one day before the record date i.e. December 31, 2018. The corporate action for crediting the converted shares to the respective shareholders of Capital First would take approximately two weeks.
As per the last reported results as of September 30th, 2018, Capital First has 37 lacs live customers who primarily reside in the urban cities. As of same period, IDFC Bank has 5 lacs urban customers and 30 lacs rural customers.
As per the last reported results as of September 30th, 2018, IDFC Bank has have 203 bank branches, 129 ATMs, 454 rural centers (including BC setups). As per the last reported results as of September 30th, 2018, Capital First has 97 branches which are primarily administrative local offices engaged in the lending business. In due course, most of these offices would be converted into banking outlets or bank ranches depending on the feasibility.
As per the last reported results of the two entities as of September 30th, 2018, the combined entity would have on-book loan assets of Rs. 1,02,683 Cr including the PSL buyout and stressed assets. The retail loan book would be contributing 32.5% of the overall loan book.
As per the last reported results of the two entities as of September 30th, 2018, the combined entity would have CASA of Rs. 6,426 Cr and CASA ratio of 13.3%.
As per the last reported results of the two entities as of September 30th, 2018, the combined entity would have a retail deposit base of Rs. 9,413 Cr, out of which retail CASA would be Rs. 2,609 Cr and retail deposit of Rs. 6,804 Cr.
As per the last reported results of the two entities as of September 30th, 2018, the combined entity would have a combined networth of Rs. 17,508 Cr, on a pro forma basis.
As per the last reported results of the two entities as of September 30th, 2018, the combined entity book value per share would be Rs. 36.62.
While we are in the process of consolidating the functioning of the two organizations, our customers will continue to get seamless servicing of the loans and can continue to reach out to us at customer.care@capitalfirst.com or call us on our helpline 18605009900.
Shortly, the operations of the two companies will merge and will offer better experience through an integrated mobile app, website, customer contact center and the branch network.
For any servicing query or a new product requirement, you can continue to reach out to us at customer.care@capitalfirst.com or call us on our helpline 18605009900.
All our existing branches will continue to operate as is and we are in the process of merging the branch network with that of IDFC Bank Ltd. to be able to provide higher reach to our customers.
If there is any change in the branch locations, we will duly update our customers and also notify the same on our websites, www.capitalfirst.com / www.idfcfirstbank.com
At present there will be no change in the customer's branch location, however as we merge our branch network, the reachability will increase and any change or enhancement in the branch will be duly communicated to our customers.
At present both the loan facilities will continue as per the terms and conditions at the time of availing the loan. Once we merge the operations of the two organizations, both the loans will be serviced through a single window enhancing the customer experience.
For the loans with Capital First Ltd., the loan facility along with all the underlying security interest(s), if any, and all other rights, benefits and privileges of Company under the Loan Agreement and other related Security and financing documents executed with Capital First Ltd./Capital First Home Finance Ltd. on and from 18th December 2018, stand transferred to vest exclusively in and for the benefit of IDFC Bank Ltd.
All the products of Capital First will continue to operate as is and there will be no impact on the Easy Buy Card and Other Co-branded credit card customers. For any queries or concerns, customers can continue to reach out to us at customer.care@capitalfirst.com or call us on our helpline 18605009900.
No, Customers do not need to register their mobile number and email IDs again. The SMS alerts and documents will continue to reach to the customers at the details updated with Capital First.
At present, Capital First mobile app will continue to function. Once we merge the operations of the two companies, a more comprehensive app will be available for the customers which will certainly enhance the customer experience.
Customers will also be able to choose from an array of offerings from IDFC FIRST Bank which will be including but not limited to Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.
No, Customers are not required to change the existing ECS mandates or Post Dated Cheques. All the previous documents will apply and there will be no hindrance in the loan operations.
Yes, customers can continue to pay the EMIs through the Capital First Website and Mobile Application. Customers can also use the other array of payment options (Available on: https://capitalfirst.com/repayment-options). Any change and enhancements in the payment options will be duly communicated to the customers and updated on our website www.capitalfirst.com / www.idfcfirstbank.com
All the existing loan applications will be processed as is and there will be no impact on the same. If there are any concerns or queries, you can reach out to us at customer.care@capitalfirst.com or call us on our helpline 18605009900
At present there will be no change to the customer's loan account number. However as we merge the processes of the 2 organizations, if there is a need to change the loan account numbers, it will be duly communicated to the customer through SMS/Emails/Website.
No, presently, a customer does not need to re-submit the KYC documents. However, as we merge and if a need arises for the new KYC documents, we will reach out to the customers and ensure a seamless experience in the updating process.
Our existing customer service helpline number 1860 500 9900 will continue to operate. As we progress with the merger, any change will be duly communicated to our customers and will also be updated on the website www.capitalfirst.com / www.idfcfirstbank.com.
If you are an existing IDFC bank customer, the merger will have no effect on the terms and conditions or operations of your product holdings.
With this merger, IDFC FIRST Bank is now one stop solution for all banking needs, be it loans, savings or business banking products. Our customers will now have the benefit of availing an array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.
Yes, as a customer of IDFC bank, you can now apply for all products of the combined entity IDFC FIRST Bank Limited. The array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.
Yes, the servicing of your products for both Capital First and IDFC bank customers will be seamless. IDFC customers can continue to reach out to us on 1800 419 4332 or visit www.idfcfirstbank.com for any concerns or queries.
As we merge, we are working on a single window for servicing which will certainly enhance the customer experience.
IDFC Bank mobile app will continue to function as is. Once we merge the operations of the two organizations, a more comprehensive app will be available for the customers which will certainly enhance the customer experience.
Customers will also be able to choose from an array of offerings from IDFC FIRST Bank which will be including but not limited to Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more
All our branches will continue to operate as is and there will be no change in the opening of the branches. We are in the process of merging the branch network with that of Capital First branches to be able to provide higher reach to our customers. Any changes or additions in the branches will be duly communicated to our customers through our website www.idfcfirstbank.com / www.capitalfirst.com
At present, there is no change in the operational hours of our branches. Any changes in the operational hours will be duly communicated to the customers.
If you are an existing IDFC bank customer, the merger will have no effect on the terms and conditions or operations of your product holdings.
With this merger, IDFC FIRST Bank is now one stop solution for all banking needs, be it loans, savings or business banking products. Our customers will now have the benefit of availing an array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.
Yes, as a customer of IDFC bank, you can now apply for all products of the combined entity IDFC FIRST Bank Limited. The array of products include Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more.
Yes, the servicing of your products for both Capital First and IDFC bank customers will be seamless. IDFC customers can continue to reach out to us on 1800 419 4332 or visit www.idfcbank.com for any concerns or queries.
As we merge, we are working on a single window for servicing which will certainly enhance the customer experience.
IDFC Bank mobile app will continue to function as is. Once we merge the operations of the two organizations, a more comprehensive app will be available for the customers which will certainly enhance the customer experience.
Customers will also be able to choose from an array of offerings from IDFC FIRST Bank which will be including but not limited to Consumer Durable Loans, Personal Loans, Two Wheeler Loans, Business Loans and Mortgage Loans along with unparalleled Fixed Deposit rates, Savings Account with top-of-the-line debit card, customized Wealth Management solutions and much more
All our branches will continue to operate as is and there will be no change in the opening of the branches. We are in the process of merging the branch network with that of Capital First branches to be able to provide higher reach to our customers. Any changes or additions in the branches will be duly communicated to our customers through our website www.idfcfirstbank.com / www.capitalfirst.com
At present, there is no change in the operational hours of our branches. Any changes in the operational hours will be duly communicated to the customers.