About Capital Small Finance Bank Gold Loan
Capital small finance bank offers loan against gold at contentious interest rates. Capital small finance bank as one of the major Gold Loan providers understand the needs of the applicant and disburse the loan amount in 24 hours.
The pledged gold as security is locked safely in the vault, and the borrower does not have to worry about its safety of gold. The gold rates and all other charges are transparently announced to borrower upfront before sanctioning the Gold loan amount. Hence applicant does not have to worry about the hidden fees on their Gold Loan.
Know More – Gold Loan Interest Rate
Capital Small Finance Bank Gold Loan Key Features
up to 10 Lakhs
|Capital Small Finance Bank Gold Loan Interest Rate||7.0%|
Capital Small Finance Bank Gold Loan Per Gram
|Rate Per Gram Today is Rs. 5,121|
Bullet Payment Scheme, Overdraft Scheme
Capital Small Finance Bank Gold Loan Benefits
- You can get a Gold Loan Online
- High Funding.
- Flexible repayment scheme with multiple options
- No prepayment charges in Capital Small Finance Bank Gold Loan
- Quick disbursals
- Requires minimum documentation for the loan approval
- Safe and secure custody of the Gold
- Low rate of interest
Capital Small Finance Bank Gold Loan Features
- A gold loan application is very convenient, especially when done through Dialabank.
- A gold loan takes just 5 minutes to be approved, and just a few hours for disbursal.
- You don’t need to worry about your jewellery at all. The jewellery is safer in banks than in your houses.
- The interest rates are low.
- Besides that, the Documentation process is very easy and simple.
- Gold loan is helpful for any financial crunch or emergency in life
Know More – Gold Loan: Factors to Remember
How Much Can I Get Through Capital Small Finance Gold Loan
According to the most recent gold costs, Small Finance Bank offers a gold credit for each gram of ₹ 5,121. Most elevated Small Finance Bank gold advance rate per gram today is ₹ 5,121 for 22-carat gems determined at the greatest LTV of 75% and normal gold advance costs of most recent 30 days in 2020 is ₹ 5,121 of 22 carat
Capital Small Finance Bank Gold Loan Per Gram
|Updated - Gold Loan Per Gram Rate|
|Gold Weight||Gold Purity
Uses of Capital Small Finance Bank Gold Loan
A Capital small Finance Bank gold loan gives you a chance to fund many important moments of your life from personal to business to agricultural ones. These loans can be availed by almost everyone. Housewives can use it for any personal expense, while a businessman can avail of it for expansion, while at the same time a farmer can use it to buy agricultural implements. Parents or students can use it for higher education.
Who can get a gold loan?
Anyone who is an Indian and not a minor can get a gold loan e.g. earning people, housewives, farmers, students, etc.
Form of Gold Accepted for Capital Small Finance Bank Gold Loan
- Capital Small Finance Bank accepts any form of gold jewellery. The only requirement is that the weight of the gold in the jewellery should be a minimum of 10 grams and the purity should be 18 to 22 carats.
- Capital Small finance bank does not accept forged coins. Minted coins can be submitted for a maximum weight of 50 grams.
- Capital Small Finance Bank does not accept raw gold.
- Capital Small Finance bank does not accept gold bars.
Know More – Gold Loan Per Gram
Documents Required for Capital Small Finance Bank Gold Loan
|Photographs||2 Passport Size, clear, latest, colored|
Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)
Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)
|Agricultural Land Proof||
Required only if the Loan is taken for Agricultural Purpose
Note: Capital Small Finance Bank can ask for additional documents as per the needs and requirements.
Capital Small Finance Bank Gold Loan Eligibility
|Age||18-70 years of age|
|Gold Quality, Quantity||
Minimum 18 Carats, minimum 10 grams
Gold ornaments (18-22 carats)
|CIBIL score||Above 500|
Capital Small Finance Bank Gold Loan Interest Rates
In general loan on gold, the credit is available at a low-interest rate. The reason behind this is that the gold loan is a fully secured loan.
|Gold Loan Interest Rate||7.0%|
Bullet Repayment Scheme, Overdraft Scheme
|Gold Valuation Charges||variable|
Note: The interest rate mentioned here is updated with the rate expected to change.
Capital Small Finance Bank Gold Loan EMI Calculator
Rate of Interest
|6 months||1 Yr||2 Yrs||3 Yrs|
How to apply for Capital Small Finance Bank Gold Loan?
- Visit Dialabank. You will see many loan options on the menu.
- Fill the Gold Loan form. Make sure you fill in your phone number.
- Wait for a call from us. We will guide you through the entire process.
FAQs About Capital Small Finance Bank Gold Loan
✅ What is Capital Small Finance Bank Gold Loan?
Capital Small Finance Bank gold loan is provided to individuals to fulfill their monetary requirement for business or personal consumption purposes but nor for speculative purposes. You can get these loans at attractive and competitive interest rates for a tenure of your choosing. The bank gives easy repayment options with an overdraft facility as well.
✅ How Can I Get Gold Loan From Capital Small Finance Bank?
Getting a Gold loan from Capital Small Finance Bank is easy and burdensome. You can start applying for the advance online as well as offline. You can visit the bank’s branch and fill a form to apply for the loan or you can also apply online through Dialabank’s digital platform to get a special rate of interest on your gold loans. Contact us at 9878981144 for the best assistance.
✅How much Gold Loan Can I get per gram from Capital Small Finance Bank?
Capital Small Finance Bank Gold Loan Rate Per Gram is Rs. 5,121.
✅ How Does Capital Small Finance Bank Gold Loan work?
Working with the Capital Small Finance Bank Gold Loan is very facile depending upon whether you are eligible for the loan or not. You need id proof, address proof, income proof along with gold jewellery as collateral to be eligible for the loan. You get quick disbursal if you’re eligible and the loan is given at interest rates starting from 7.0% depending upon the amount of your loan.
✅ What is the Gold Loan interest rate in Capital Small Finance Bank?
The Capital Small Finance Bank gold loan interest rate starts from 7.0% per annum depending upon the amount of the loan that is to be taken.
✅ How to check gold loan status in Capital Small Finance Bank?
You can check the Capital Small Finance Bank gold loan status by emailing the bank’s executive and asking them about your application or by visiting the branch and meeting the loan officer. Usually, the disbursal of the amount is done on the same day of the approval of the application.
✅ How to calculate gold loan interest in the Capital Small Finance Bank?
To calculate the Capital Small Finance Bank gold loan interest which you are expected to pay, deduct the loan principal from the loan amount.
✅What is the maximum gold loan amount I can avail of on a gold loan from Capital Small Finance Bank?
You can avail of a maximum Capital Small Finance Bank gold loan amount of Rs. 10 lakhs. The amount you can apply for in a gold loan can be a maximum of 70% of the value of your gold collateral.
✅ What is the loan tenure of the Capital Small Finance Bank gold loan?
The tenure of a Capital Small Finance Bank gold loan ranges from 6 months to 5 years. You can get it renewed after paying a small fee.
✅How much processing fee is applicable to the Capital Small Finance Bank Gold loan?
The processing fee for a Capital Small Finance bank gold loan is around 1% of the loan amount. Thus, it is very cheap to avail of this loan.
✅ What are the charges for pre-payment in the Capital Small Finance Bank gold loan?
Capital Small Finance Bank gold loan prepayment fee is nil. The bank allows the borrowers to prepay their loans for free.
✅How to renew Capital Small Finance Bank Gold Loan online?
Renewal of the Capita Small Finance Bank Gold Loan can be done by visiting the branch along with all the loan documents or by applying for it online on the bank’s official website. The gold is released and revalued based on new market rates and new terms are agreed upon for the renewal of the loan.
✅ How to pay Capital Small Finance Bank Gold loan interest online?
The Capital Small Finance Bank gold loan gives you easy online interest repayment options which include paying the EMI or the servicing interest of the loan through a Standing Instruction on your account or an ECS on your other bank account. For more information, you can visit the nearest branch.
✅What if I can’t pay the interest on the Capital Small Finance Bank Gold loan for 3 months?
If someone is unable to pay the Capital Small Finance bank gold loan amount due at the end of the tenure then the bank charges a penalty fee on the amount due and then auctions off the gold kept as security to recover the amount of the defaults are continued.
✅How can I apply for the EMI moratorium on the Capital Small Finance Bank Gold loan?
You can apply for a Capital Small Finance Bank gold loan EMI moratorium by providing the bank with your loan details online or in-person by visiting the bank branch. This option can only be availed of until 5 days before the decided EMI payment date.
✅How to pay the Capital Small Finance Bank Gold loan through credit card?
A credit card cannot be used to pay a Capital Small Finance Bank gold loan. The borrowers can repay their loans using debit cards, cash, cheques, demand drafts, and net banking apps like Paytm.