Capital Small Finance Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      Capital Small Finance Bank Personal Loan Key Features Jan 2021

      Eligibility Criteria Details
      Age 21-58 years
      CIBIL Score 750 and above
      Capital Small Finance Bank Personal Loan Interest Rate 9.99% p.a.
      Lowest EMI per lakh
      Tenure 6- 84 months
      Capital Small Finance Bank Personal Loan Processing Fee 1% of the loan amount
      Prepayment Charges As per the bank’s decision
      Part Payment Charges As per the bank’s decision
      Minimum Loan Amount 1 lakh
      Maximum Loan Amount 50 lakhs

      Capital Small Finance Bank Personal Loan Eligibility Criteria

      Eligibility criteria for a personal loan:

      CIBIL score Criteria 750 and above
      Age Criteria 21-58 years
      Min Income Criteria 25,000/-
      Occupation Criteria salaried/self-employed

      Capital Small Finance Bank Personal Loan Documents Required

      Form Duly filled application form
      Proof of Identity Passport copy, copy of your driving license, Aadhar card, and voter ID card
      Proof of Address Rental agreement (should be staying in that place for at least 1 year), copy of the utility bills, passport copy (to show the proof of permanent residence), and ration card.
      Proof of Income Income tax return after the two assessment years, the salary slip of the past 6 months, and the bank statement of the last 3 months.

       Capital Small Finance Bank Personal Loan EMI Calculator Jan 2021

      Capital Small Finance Bank Personal Loan Compared to Other Banks

      Particulars Capital Small Finance Bank HDFC Bank Bajaj Finserv Axis Bank Citibank Capital Small Bank finance
      Interest Rate 9.99% 11.25% to 21.50% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
      Tenure 6 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
      Loan amount Up to Rs.50 lakhs Up to Rs. 40 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh
      Processing Fee 1%-2% Up to 2.50% of the loan amount Up to 3.99% of the loan amount Up to 2% of the loan amount Up to 3% of the loan amount Up to 2.25% of the loan amount

      Other Loan Products from Capital Small Finance Bank

      • Home loans
      • Auto loans
      • Kisan Credit Card
      • Loan against rentals
      • Mortgage loans against property
      • Gold Loan

      Why should you apply for Capital Small Finance Bank Personal Loan with Dialabank?

      Dialabank helps you in choosing the best of banks by giving you the updated market contrast of other banks so that you can make the right decision. At Dialabank we have assisted thousands of borrowers to take the loan that they want without any hassle and look forward to doing so. Apply today to get special offers and deals on Capital Small Finance Bank personal loans.

      You can call us on 9878981166 to get a Capital Small Finance Bank personal loan.

      How to Calculate EMIs for Capital Small Finance Bank  Personal Loan

      These are information that is required to calculate your Capital Small Finance Bank personal loan EMI: The amount of the loan, the rate of interest, and the loan period.

      Enter these values in the calculator below to find your monthly EMIs.

      Capital Small Finance Bank  Personal Loan Processing Time

      Processing time would tell you how long it would take to process an application under normal situations. It usually starts on the day we receive the application from the bank and ends when we make the decision regarding what loan we want and the amount to get credited.

      Capital Small Finance Bank Personal Loan Preclosure Charges

      This depends on the bank and the amount borrowed by the borrower.

      Pre Calculated EMI for Personal Loan

      Rate
      5 Yrs
      4 Yrs
      3 Yrs
      10.50%
      2149
      2560
      3250
      11.00%
      2174
      2584
      3273
      11.50%
      2199
      2608
      3297
      12.00%
      2224
      2633
      3321
      12.50%
      2249
      2658
      3345
      13.00%
      2275
      2682
      3369
      13.50%
      2300
      2707
      3393
      14.00%
      2326
      2732
      3417
      14.50%
      2352
      2757
      3442
      15.00%
      2378
      2783
      3466

      Different Offers For Capital Small Finance Bank Personal Loans

      Capital Small Finance Bank Home Loan

      Capital Small Finance Bank offers personal loan for a home:

      • Your minimum age should be 21 yrs
      • and Maximum Age should be 60 yrs
      • Regular Income applicants are a must for this loan
      • Earn more than the required monthly income

      Capital Small Finance Bank Personal Loan for Government Employees

      Capital Small Finance Bank offers personal loans to all the Govt. employees. The loan amount depends on the Company in which you are working.

      Capital Small Finance Bank Education Loan

      • For studying in India Capital Small Finance Bank provide Rs. 10 lakh
      • For studying in Abroad Capital Small Finance Bank provide Rs. 20 Lakh

      Capital Small Finance Bank Personal Loan for Pensioners

      • Processing charge can be asked from the bank by contacting their customer care
      • Very Affordable Interest Rate

      Capital Small Finance Bank Personal Loan Balance Transfer

      A personal loan balance transfer is a process in which the borrower transfers the outstanding principal of the personal loan from one lender to another in order to gain from the better terms such as a lower interest rate on the outstanding loans.

      Capital Small Finance Bank Personal Loan Overdraft Scheme

      Capital Small Finance Bank Offers an Overdraft Scheme. With this, you are provided a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Personal Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Capital Small Finance Bank Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

      Capital Small Finance Bank Personal Loan Top Up

      The top-up loan is only given to customers who already have an existing relationship/account with the bank, the eligibility criteria are quite basic for the top-up plan. A customer who has taken a loan from the bank, irrespective of the type of the loan is taken, is eligible for a top-up loan.

      Capital Small Finance Bank Personal Loan Status

      You can track the status of your Capital Small Finance Bank personal loan by using the following methods :

      • You could visit the nearest loan branch and ask the bankers for the same.
      • Log In to the bank’s net banking portal, click on the loans from the top icon and click on enquire to monitor the status of your personal loan.
      • Search for ‘personal loan status’ on google, click on the first link which will guide you to the loan status tracker webpage of Capital Small Finance Bank, and fill the required information to track the status of your loan.

      Types of Capital Small Bank finance Personal Loan

      Home renovation loan

      Capital Small Bank finance offers home redesign credit for people who wish to get their home revamped. This individual credit can support necessary fixes or help the candidate get new fittings, installations and furniture for their home. Some vital highlights of Capital Small Bank finance Home Renovation Loan are:

      • The financing cost for Capital Small Bank finance’s Home Renovation Loan begins at as low as 11.25%.
      • People might be qualified for an advance sum up to Rs. 20 Lakh to get their home remodelled
      • Home remodel credit from Capital Small Bank finance requires negligible documentation, making the whole advance cycle bother free.
      • The advance sum ordinarily gets credited into the record inside 72 hours once the bank favours your application.

      Holiday Loan

      Capital Small Bank finance’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Capital Small Bank finance can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth Key highlights of Capital Small Bank finance’s Holiday Loan are:

      • Financing costs for Holiday Loans start at 11.25% p.a.
      • You can do without much of a stretch profit a measure of up to Rs 20 Lakh, so your fantasy excursion won’t be spoilt because of a monetary crunch.
      • Streamlined and Minimal documentation guarantees that financing your get-away is basic and straightforward.
      • Brisk preparing and disbursal of advance which is attributed straightforwardly to your record

      Fresher Funding

      A dominant part of unstable individual credits is focused at people with a customary pay anyway Capital Small Bank finance’s Fresher Funding is extraordinary. This credit alternative from Capital Small Bank finance is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Capital Small Bank finance Fresher Funding individual credit are as per the following:

      • Credit sum up to Rs 1.5 lakh
      • Candidate must be at any rate 21 years of age.
      • The pace of interest for Fresher Funding relies upon the profile of the advance candidate, the financial record/score, age and area of the candidate.

      NRI Personal Loan

      Understanding the necessities and dreams of NRIs, Capital Small Bank finance offers an individual advance explicitly for NRIs. The essential advance candidate should be an Indian inhabitant, and the co-candidate NRI must be a nearby family member. Individual Loan for NRIs incorporates the accompanying highlights.

      • Capital Small Bank finance offers NRIs individual advances up to Rs. 10 lakh with adaptable end-use
      • The financing costs for NRI Personal Loan start at 15.49% p.a.
      • The credit includes a residency of as long as three years.

      How to Apply for Capital Small Finance Bank Personal Loan?

      Getting a personal loan is quite simple; you would just have to:

      Capital Small Finance Bank Personal Loan

      1. Visit our website and fill in the application form.
      2. You would then get a call from us.
      3. Our experts will then guide you throughout the process and give you the details about the loan.

       Capital Small Finance Bank Personal Loan verification process

      Coming up next are essential strides of the individual credit check measure after online accommodation of your advance application on Dialabank.

      Step1. Dialabank will advance your advance application to your picked bank and generally inside 48 hours, and you will get a call from the moneylender’s agent.

      Step2. The imminent loan specialist will plan a pickup of your KYC, pay, and so forth reports or give a choice to transfer them on the web. These reports will be utilized to confirm your application.

      Step3. When the moneylender’s check is finished, and your advance is endorsed, you will get another call to confirm the credit offer and request your permission for disbursal.

      Step4. After credit endorsement and fruitful check, the advance is generally dispensed inside 48 hours.

      Note: The above-mentioned turnaround time for personal loan verification/disbursal may vary based on the lender’s internal demands as well as other criteria.

      Check your bank Capital Small Bank finance Personal Loan Application Status

      To check the status of your Capital Small Bank finance Personal Loan, you can:

      • Visit the bank branch personally where you had applied for the loan and give the loan officer your loan application details
      • Visit the website of Capital Small Bank finance and fill in your loan details.
      • Send your loan details to the bank via email.
      • Through the I-mobile app of the bank
      • These methods enable you to track your loan status easily.

      How to login in Capital Small Bank finance portal

      • Visit the official website of Capital Small Bank finance.
      • On the top right corner of the page click on ‘Login’.
      • Log in using your User ID and Password or your recorded mobile number

      How to Check Your Loan Statement

      Clients can download the bank’s very own credit proclamation by following the means given beneath:

      • Visit the official site of the bank.
      • Click on ‘Connect’ and select ‘Administration Requests’ starting from the drop list.
      • On the following page that opens, under the ‘Advances’ menu, select ‘Individual Loan Related’.
      • Next, click on ‘Solicitation for Statement of Loan Account’.
      • Login utilizing your User ID and the secret word or utilizing your enlisted versatile number and OTP to benefit the bank’s very own credit explanation.

      Capital Small Bank finance Personal Loan Restructuring (COVID-19)

      The cross country lockdown because of the COVID-19 pandemic has affected numerous borrowers antagonistically and to moderate its effect on a specific degree, a multi-month ban on different term advances was declared. After fruition of the half-year ban, Capital Small Bank finance had reported the RBI-commanded one-time advantage of Capital Small Bank finance individual credit rebuilding. This instrument is intended to give proceeded with alleviation to those borrowers who are as yet unfit to begin reimbursement of their normal EMI due on-going money related difficulty coming about because of the pandemic.

      The credit goal system presented by Capital Small Bank finance offers extra ban of as long as two years or an augmentation on the current reimbursement time frame to diminish the month to month EMI instalments. It is imperative to shoulder as a main priority that rebuilding of your Capital Small Bank finance individual credit will bring about extra premium charges well beyond those of the first advance. Consequently, this alleviation instrument should just be utilized if all else fails with the goal that you don’t wind up defaulting on your great credit.

      Capital Small Bank finance Customer Care

      Customers can contact the Capital Small Bank finance customer care via any of the following means:

      • By Phone: You can call Capital Small Bank finance on 1860 500 9900 (toll-free)
      • Callback Request: You can also request a call back by visiting the bank’s website
      • Online Chatbot: You can also get your queries answered by the iPal chatbot online
      • Branch Visit: You can visit the nearby Capital Small Bank finance branch to get your queries.

      Benefits of Applying for Personal Loan on Dialabank

      There are different points of interest in applying for a personal advance on the Dialabank site. Some of them are given beneath: 

      • 24 x 7 Accessibility: You can get to the Dialabank site whenever and anyplace and in this manner, apply for an individual advance whenever from the solace of your home or office. 
      • Different moneylenders on a solitary stage: com empowers you to get to individual credit offers from various planned loan specialists on a solitary stage and accordingly kills the need to visit numerous bank sites or branches. 
      • Know EMI in a split second: With the individual advance EMI calculator, you can check the EMIs you would be paying on an individual credit even before you apply for one. It will assist you with acquiring the suitable sum that you can without much of a stretch reimburse and have a helpful reimbursement plan. 
      • Liberated from cost: Additionally, you are not needed to pay any charges when you apply for an individual advance on Dialabank.com 

      Important Aspects

      Given underneath are some significant angles that you should consider while applying for an individual credit with Capital Small Bank finance:

      • While applying for a personal advance, it is in every case great to check your financial assessment. A decent credit assessment builds the odds of endorsement of your credit and can empower you to benefit an individual advance on more great terms.
      • Before settling upon a specific bank, it is prudent to think about the expense of an individual credit (premium expense and all the reasonable expenses and charges) offered by different moneylenders on Dialabank.com
      • Acquire as per your need and reimbursement capacity. Try not to acquire just because you are qualified to get a higher sum. It will just add to your advantage cost and not have many advantages over the long haul.
      • Try not to apply for individual advances with various moneylenders simultaneously. It shows you to be eager for credit and expands the number of challenging requests for your credit report, which may antagonistically influence your Credit rating.

      FAQs About Capital Small Bank finance Personal Loan

      ✅ What is the Interest Rate for Capital Small Bank finance Personal Loan?

      The interest rate for Capital Small Bank finance personal loans is 9.99% p.a.

      ✅ What is the minimum age for getting a Personal Loan from Capital Small Bank finance?

      The minimum age for getting a personal loan from Capital Small Bank finance is 21 years.

      ✅ What is the maximum age for getting a Personal Loan from Capital Small Bank finance?

      The maximum age for getting a personal loan from Capital Small Bank finance is 58 years.

      ✅ What is the minimum loan amount for Capital Small Bank finance Personal Loan?

      The minimum loan amount for Capital Small Bank finance personal loan is 1 lakh.

      ✅ What is the maximum loan amount for Capital Small Bank finance Personal Loan?

      The maximum loan amount for Capital Small Bank finance personal loan is 50 lakhs.

      ✅ What are the documents required for Capital Small Bank finance  Personal Loan?

      The documents required for Capital Small Bank finance personal loan is proof of identity, address proof, and income proof along with 2 passports sized photographs.

      ✅ What is the Processing Fee for Capital Small Bank finance Personal Loan?

      The bank charges 1% of the loan amount as a processing fee.

      ✅ What is the Capital Small Finance Bank Gold Loan closure procedure?

      • Just go to the bank with the documents.
      • Write a letter for pre-closure of the Capital Small Finance Bank Personal loan account.
      • Pay the pre-closure charges as per Capital Small Finance Bank Personal Loan.

      ✅ What is the Capital Small Finance Bank Gold Loan preclosure charges?

      Capital Small Finance Bank Gold Loan preclosure charges are up Nil.

      ✅ What is the Capital Small Finance Bank Personal Loan overdraft scheme?

      For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Capital Small Finance bank is provided, it gives you an online way to get your own overdraft, also known as Smartdraft – Overdraft Against Salary. You do not need to visit bank branches and go through a boring process. Just log in to the Indian online banking portal and from there you can fill out a simple form and get an overdraft under your name.

      ✅ What is the Capital Small Finance Bank Personal Loan maximum tenure?

      The Capital Small Finance Bank Personal loan’s maximum tenure is 48 months.

      ✅ What is the Capital Small Finance Bank Personal Loan minimum tenure?

      The Capital Small Finance Bank Personal Loan minimum tenure is 6 months.

      ✅ What is Capital Small Finance Bank Personal Loan customer care number?

      You can Avail Capital Small Finance Personal Bank by calling on 9878981166.

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