⍟  Lowest Interest Rate of 0.79% p.m.
⍟  Highest Rate Per Gram ₹ 5,121
⍟  No Melting of Your Gold
⍟  Get Loan in 1 Visit Only
⍟  100% Safety of Your Gold (kept in Bank Locker)

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Future Capital Gold Loan

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Future Capital Gold Loan Key Features – Apply Now

Future Capital Gold Loan Interest Rate 7.0% per annum
Future Capital Gold Loan Rate Per Gram
The rate Per Gram is ₹ 5,121
Future Capital Gold Loan Processing Fee
1.0% of the Principal Loan Amount
Loan Amount
Up to Rs. 1 Crore (With Income Proof)
Future Capital Gold Loan Prepayment Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Future Capital Gold Loan Repayment Tenure
Up to 12 Months
Future Capital Gold Loan Repayment Scheme
Bullet Payment Scheme, Overdraft Scheme

Advantages of Future Capital Gold Loan

Advantages of Future Capital Gold Loan via Dialabank

  • Flexible loan amount: An individual can avail of loans up to Rs. 10 lacs with Future Capital.
  • Customized repayment options are available such as EMI installments and Bullet Payments, allowing the borrower to choose the right deal for himself.
  • Flexible tenure: The borrower can avail of the loan for a period of up to 12 months. Upon request, the tenure can be extended to 36 months.
  • Fast Disbursal: The loan gets disbursed right into your account within a few hours of applying for the loan online.
  • Foreclosure: Future Capital Bank empowers a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

How Much Gold Loan Can I Get Through Future Capital Gold Loan?

According to the latest gold prices, Future Capital Bank is offering gold loans per gram is Rs. 5121. The highest Future Capital Bank gold loan rate per gram today is ₹ 5,121 for 24-carat jewelry calculated at a maximum LTV of 75% and average gold loan prices of the last 30 days in 2020 are ₹ 5,121 of 22 carats.

Future Capital Bank Gold Loan Per Gram-Update January 2021

Updated - Gold Loan Per Gram Rate w.e.f 1st Jan 2021

Gold Weight Gold Purity
24 Carat
Gold Purity
22 Carat
Gold Purity
20 Carat
Gold Purity
18 Carat
1 gram 4680 4290 3900 3510
10 gram 46800 42900 39000 35100
20 gram 93600 85800 78000 70200
30 gram 140400 128700 117000 105300
40 gram 187200 171600 156000 140400
50 gram 234000 214500 195000 175500
100 gram 468000 429000 390000 351000
200 gram 936000 858000 780000 702000
300 gram 1404000 1287000 1170000 1053000
400 gram 1872000 1716000 1560000 1404000
500 gram 2340000 2145000 1950000 1755000

All about Future Capital Gold Loan

Future Capital Gold Loan

Future Capital Bank is a provider of various services and products in the financial market. It is an NBFC that has a record of consistent profitability and growth. The company is fast becoming the leader in the market for providing loans to the people. It provides an Instant Loan against Gold. Gold Loan is basically taken to overcome the short term requirements of a person.

  • Future Capital Gold Loan Interest Rate is 7.0% per annum
  • Future Capital Gold Loan Rate Per Gram Rate is ₹ 5,121
  • Future Capital Bank Gold Loan Tenure: Up to 12 months
  • Future Capital Bank Gold Loan Processing Fee is Up to 1.0% of the Loan Amount + GST
What is a Gold loan?

Gold is the most expensive and precious metal in India. Its importance in our lives cannot be ignored because every person is attached to it emotionally. However, what is the purpose of gripping your gold in a secret drawer when it can serve you in times of difficulty? Taking a Gold loan can support you to defeat any extreme circumstances. Gold Loan is the most reliable way to get cash in the short-term.

Future Capital Gold Loan Eligibility

The eligibility criteria to avail of a loan against gold with Future Capital is as follows:

Age For Salaried Individuals: 21 – 60 years
For Self Employed Individuals: 21 – 75 years
 Carat Range of Gold 18 – 24
Tenure of the loan 6 months to 12 months
EMI Option Loan Duration can be extended to 36 months

Future Capital Gold Loan Documents Required
The documents required to avail of a loan against gold with Future Capital are as follows:

Identity Proof Aadhar Card/Pan Card/ Passport/ Voter ID
Residence Proof  Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card.
Agriculture Proof ( only if applicable) Agriculture Land Ownership Proof
Photographs 2 Passport sized colored

Future Capital Gold Loan Interest Rate, Fees, and Charges

Future Capital Bank Gold Loan Interest Rate 7.0% per annum
Processing Fee
1.0% of the Principal Loan Amount
Prepayment/Foreclosure Charges
2%+GST (Within 3 Months), 0 (After 3 months)
Valuation Fee
Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs
Late Repayment Charges
2% p.a. + Applicable rate of interest.
Renewal Processing Fees
Rs 350 + GST

Types of Future Capital Gold Loan Repayments

  • EMI Facility: The most widely used repayment technique is the EMI option in which a part of the principal amount and interest rates are paid every month by the borrower using various modes like demand drafts, cheques, etc.
  • Bullet Repayment: Unlike the EMI option, in bullet repayment, the borrower is required to pay only the interest rates every month while the principal amount is paid at the end of the tenure.

Future Capital Gold Loan Apply Online

The process to apply online is easy with DialaBank. Just follow the easy steps mentioned below to get an instant loan against gold:

  • Visit DialaBank website
  • Fill the form available with your personal details and your loan requirements.
  • Click on Request a Quote.
  • Wait as our relationship manager will soon get in touch with you over your provided contact number.


gold loan at 7%

हिंदी में पढ़े | தமிழில் படியுங்கள்

Future Capital Gold Loan EMI Calculator

Rate of Interest 6 months 1 Yr 2 Yrs 3 Yrs
7.00% 17008 8652 4477 3088
8.00% 17058 8699 4523 3134
8.50% 17082 8722 4546 3157
9.00% 17107 8745 4568 3180
9.50% 17131 8678 4591 3203
10.00% 17156 8791 4614 3227
10.50% 17181 8815 4637 3250
11.00% 17205 8838 4661 3274
11.50% 17230 8861 4684 3298
12.00% 17254 8885 4707 3321
12.50% 17279 8908 4731 3345
13.00% 17304 8932 4754 3369
13.50% 17329 8955 4778 3393
14.00% 17354 8979 4801 3418
14.50% 17378 9002 4825 3442
15.00% 17403 9026 4845 3466

How to pay Future Capital Gold Loan EMI

Your HDFC Bank gold advance can be reimbursed in the following three different ways.

  1. Standing Instruction (SI): is a technique to favor the existing customers of Future Capita who already have an account with it. In such cases, the loan amount can be debited every month automatically from the bank account.
  2. Electronic Clearing Service (ECS): In case the borrower does not have an account with the Future Capital he/she may avail the ECS system.

Future Capital Gold Loan Contact Number

For any assistance regarding a loan against gold with Future Capital, you may contact our relationship manager on the number 9878981144.

Gold Ornaments accepted by Future Capital Gold Loan

Future Capital accepts only the following gold ornaments:

  • Gold jewelry of 18 carats to 22 carats.
  • Minted coins are not accepted by the Future Capital.
  • The applicant should have a minimum of 10 grams of Gold to get a loan against gold.

Use of Future Capital Gold Loan

  1. Faster processing – Gold loans get instant approval and disbursal owing to the fact that they are secured loans and thus do not require any harsh eligibility criteria requirements and documentation.
  2. Lower interest rate – As your gold ornaments are already held with the banks the rate of interest for gold loans is comparatively very low.
  3. Multipurpose – The loan amount availed against gold ornaments can be used for numerous purposes like funding a vacation, covering marriage expenses, paying off medical bills, etc.
  4. Business Purpose- You can also use the Future Capital Bank gold loan for all your business needs, such as buying raw material, expanding business, etc.

Future Capital Agricultural Jewel Loan Scheme

Scheme Future Capital Agricultural Jewel Loan Scheme
Interest Rate  Starting from 7% (depends on the sum of the loan 
Least amount of Loan Depends on the value of  jewel which is being kept as security 
Loan period Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits of Future Capital Agricultural Jewel Loan Scheme

  • There is no planning cost is proper up to ₹ 25,000
  • 0.30% of the credit entirety, Minimum of ₹ 300 charge is material to the total going from above ₹  25,000 – not actually ₹ 5 lakh
  • 0.28% of the credit total, subject to at any rate Rs.1,500 is appropriate to the aggregate more than Rs.5 lakh in any case under Rs.1 crore

Future Capital Gold Loan Overdraft Scheme

Future Capital offers an Overdraft Scheme. With this, you are given a development aggregate as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at whatever point wherever. The overall development entirety will have a Credit/Loan Limit. In the Future Capital Gold Loan Overdraft office, the bank charges income simply on the total you pull out/use.

FAQs for Future Capital Gold Loan

✅ What is Future Capital Gold Loan?

Future Capital Gold Loan is a loan product that allows you to get a loan by submitting your Gold as collateral security with the bank. Depending on the ornament’s purity and weight the ultimate loan amount is disbursed.

How Can I Get Gold Loan From Future Capital?

Just fill a form online on the Dialabank website and request a quote. Our relationship manager will help you get the best offers with the Future Capital at high LTV. 

How much Gold Loan Can I get per gram from Future Capital?

Future Capital offers Gold Loan on gold ornaments with a purity between 18K and 24K.  The per gram gold loan amount in Future Capital is ₹5,121.

✅ How Does Future Capital Gold Loan work?

Provided that you have the necessary documents and gold ornaments you can directly visit the branch near you to avail gold loan of any value between ₹10000 and ₹10 lakhs instantly. The bank will keep your ornaments as collateral.

✅ What is the Gold Loan interest rate in Future Capital?

The Gold Loan interest rates in Future Capital start at 7.0% per annum. This rate varies depending on several factors such as loan amount, customer relationship, etc.

How to check gold loan status in Future Capital?

To check the gold loan status in Future Capital, you can either call up the bank, visit its branch, or log in to its website. Once you fill up your details, you can track your gold loan application.

How to calculate gold loan interest in Future Capital?

You can calculate the gold loan interest in the Future Capital rate by subtracting the principal (which you applied for) from the amount (which you have to repay).

What is the maximum gold loan amount I can avail of on a gold loan from Future Capital?

You can avail of a maximum gold loan amount of Rs 10 lakhs from Future Capital and up to 70% of the gold jewelery’s value. This percentage may increase if you have a very good CIBIL score.

✅ What is the Future Capital gold loan tenure?

The loan tenure of Future Capital gold loan is 12 months, post which renewal can be opted for. For renewal, you will have to provide your application details to the bank and then pay a small renewal fee.

How much processing fee is applicable to the Future Capital Gold loan?

The standard processing fee applicable to the Future Capital gold loan is around 1% of the loan amount. Banks take processing fees to process your loan and disburse it as soon as possible.

✅ What are the charges for pre-payment in the Future Capital gold loan?

The charges of prepayment in the Future Capital gold loan is around 1% of the loan amount. When you pay a part of your outstanding loan amount before the tenure ends, it is known as prepayment.

How to renew Future Capital Gold Loan online?

You can contact our relationship manager and can renew your Future Capital gold loan anytime. For renewal, you will have to pay a small fee and fill a form. Your gold will be valued again, and your loan details may vary on the basis of the prices.

How to pay Future Capital Gold loan interest online?

Future Capital provides convenient online payment options for your Gold Loan repayment. You can simply visit their online portal and make your loan payments through various modes like net banking, debit cards, or through the i-mobile app.

What if I can’t pay the interest on the Future Capital Gold loan for 3 months?

If you can’t pay the interest on Future Capital for as long as three months, you will be charged a penalty and served a legal notice from the bank. After that, your ornaments will be surrendered and you might be included in the CIBIL defaulter’s list.

How can I apply for the EMI moratorium on the Future Capital Gold loan?

You can apply for a moratorium through the i-mobile app or by visiting the bank branch personally. You have the option to apply only 5 days before you have to pay your EMI.

How to pay the Future Capital Gold loan through credit card?

You can’t pay Future Capital Gold Loan through a credit card. You can do so through a debit card, demand drafts, cash, cheques, online transactions, or even PayTM.

What is an overdraft scheme for Future Capital Gold Loan?

Future Capital offers an Overdraft Scheme. With this, you are given a development aggregate as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at whatever point wherever. The overall development entirety will have a Credit/Loan Limit. In the Future Capital Gold Loan Overdraft office, the bank charges income simply on the total you pull out/use.

What is the customer care number for Future Capital Gold Loan?

 Call at 9878981144 for any query.

What is the foreclosure procedure for Future Capital Gold Loan?

Future Capital Bank empowers a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

✅ What is Future Capital Gold Loan Preclosure charges?

The Bank preclosure charges are 2%+GST (Within 3 Months) and 0 (After 3 months)

 What is the maximum gold loan tenure?

The maximum gold loan tenure is 36 months

✅ What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months

 

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