Capital Small Finance Bank Gold Loan

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Unlock the Real Value of your Gold
Rates as low as 1% p.m.
Get Money in 30 Mins
Loan Amount Up to 1 Crore
Loan Tenure Up to 48 Months
Unbiased Experts Advice

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 Highlight

  • 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

Capital Small Finance Bank Gold Loan

  1. Capital Small Finance Bank Gold Loan is very easy to apply. One can apply for the gold loan online within a few minutes.
  2. If a borrower is eligible, the loan can be approved within 5 minutes.
  3. After the approval of the Gold Loan, if the borrower has its complete documents, it can be disbursed quickly.  One can say it can be disbursed within a period of a few hours.
  4. The responsibility of the gold is all at the bank’s end. Borrower’s gold assets will be kept under very tight security.
  5. The rates of interest provided by the bank are quite affordable.
  6. Besides that, the Documentation process is very easy and simple.
  7. Bank will not ask the reason behind the gold loan; one can use this loan amount according to their needs.

Know More – Gold Loan: Factors to Remember

Uses of Capital Small Finance Bank Gold Loan

The borrower can use the amount of loan wherever one wants. Following are some basic reasons given for which one can get the loan on gold.

  • Most people use the loan on gold for the wedding purposes.
  • Sometimes one can prefer to get a gold loan in case of a medical emergency.
  • Education can also be a reason for the usage Gold Loan.
  • One can also boost their business by using the gold loan.
  • The customer can get a gold loan to pay the bills related credit cards.

Who can get a gold loan?

  • Any salaried individual.
  • Any self-employed.
  • Homemakers/homemaker
  • Students (age should more than 18 years)
  • A farmer

Form of Gold Accepted for Capital Small Finance Bank Gold Loan

  • Any jewelry carries with the quality of 18 carats to 22 carats is acceptable.
  • Gold coins weigh less than 50 grams can get a gold loan.
  • Bank does not accept minted/forged gold coins.
  • Bars and bricks are not acceptable.
  • Raw gold is not acceptable.

Know More – Gold Loan Per Gram

Documents Required for Capital Small Finance Bank Gold Loan

  • Identity Proof – Firstly one proof of identity is required. Anyone of the given proofs is valid (Aadhar Card/Voters Card/Driving License/ Passport)
  • Residence Proof – After that, one proof of residence is also required to get a loan on gold. It can be (Aadhar Card/PAN Card/Ration Card/ Electricity Bill of last three months with the name of the applicant/ phone Bill of previous three months with the name of applicant / Passport Copy)
  • Besides, the applicant should have two passports sized colored photographs.

Note: Capital Small Finance Bank can ask for additional documents as per the needs and requirements.

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 is that, the gold loan is a fully secured loan.

  • Gold Loan Interest rate – 10.70%
  • Low processing fee – 0.85%.
  • Pre-closer charges range from 0 – 2 %.
  • Tenure minimum six months; maximum five year

Note: Interest rate mentioned here are update with the rate expected to change.

Know More – Top Reasons why Gold Loan is the best borrowing option

How to apply for Capital Small Finance Bank Gold Loan?

  • Visit Dialabank.com
  • Fill the Gold Loan form
  • Get a call back from our relationship manager.

FAQs About Capital Small Finance Bank Gold Loan

Q. How much Gold Loan can I get per gram in Capital Small Finance Bank?

Capital Small Finance Bank provides Gold Loans at competitive interest rates and the rate of Gold Loan per gram depends upon the quality of the gold and the prices prevailing in the market.

Q. What is Capital Small Finance Bank Gold Loan?

Capital Small Finance Bank provides Laon against Gold to individuals to fulfil their monetary requirement for business or personal consumption purpose but nor for speculative purpose. 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.

Q. What is the Gold Loan interest rate in Capital Small Finance Bank?

The rate of interest charged by the Capital Small Finance Bank ranges from 11.50% to 13.20% per annum depending upon the amount of the loan that is to be taken.

Q. How to pay Capital Small Finance Bank Gold Loan online?

The bank gives you easy 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.

Q. How to apply Gold Loan in Capital Small Finance Bank?

Applying for the advance against gold kept as security by Capital Small Finance Bank is an easy and hassle-free process as you can do it 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.

Q. How to renew Capital Small Finance Bank Gold Loan online?

You have to be physically present in the bank branch for the renewal process as the gold ornaments have to be dealt with in the process. Call on the customer care number to know the exact process.

Q. How to take Gold Loan from Capital Small Finance Bank?

Taking Gold Loan from Capital Small Finance Bank is easy as anybody can avail the loan in possession of gold and who is above 18 years of age in requirement of funds. The bank requires an Income proof to sanction the loan and also a Third-party guarantee of substantial means. Your bank gives you quick disbursal and can be applied for by visiting the nearest branch or through Dialabank’s digital platform.

Q. What is Gold Loan in Capital Small Finance Bank?

Individuals can take a loan by keeping gold ornaments as security with the bank for a maximum of ₹10 lacs and at competitive interest rates for tenure of their choosing fulfilling personal or business need of funds. The bank gives about 70% funding of the total market value of your gold. The bank gives easy repayment options with an overdraft facility of up to ₹5 lacs.

Q. How to get Capital Small Finance Bank Gold Loan?

Getting the Capital Small Finance Bank Gold Loan is an easy process depending upon whether you are eligible for the loan or not. You need id proof, address proof, income proof along with a Third-party guarantee of substantial means to be eligible for the loan. You get quick disbursal if you’re eligible and the loan is given at interest rates starting from 11.50% depending upon the amount of your loan.

Q. How to check Capital Small Finance Bank Gold Loan status?

You can check the 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.

Q. How to close Capital Small Finance Bank Gold Loan?

When you want to close your Gold Loan you shall visit the branch and pay all your pending amount. Upon confirmation, your loan will be closed and your Gold will be returned to you.

Q. How to renew Capital Small Finance Bank Gold Loan?

Renewal of Gold Loan can be done by visiting the branch along with all the loan documents. The gold is released and revalued based on new market rates and new terms are agreed upon for the renewal of the loan.

Q. What happens if someone defaults Capital Small Finance Bank Gold Loan?

If someone is unable to pay the 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 if the defaults are continued.

Q. How many branches of Capital Small Finance Bank Gold Loan?

The total business of Capital Local Area Bank has crossed ₹ 2,760 crores and the bank has 42 branches. 80% of the business is in rural and semi-urban areas of Capital Small Finance Bank.
Other Major Gold Loan Providers

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