Capital Small Finance Bank Personal Loan

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Rates as low as 10.99%*
Loans Up to 30 Lacs
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About Capital Small Finance Bank Personal Loan

Capital Small Finance Bank Personal Loan

All of us have plans for our lives, but unfortunately life does not always go the way we want it to. Don’t let any crisis hamper your plans. A Personal Loan is a savior when you are in need of finances. Capital Small Finance Bank Personal Loan is an instant finance option which helps you with whatever you need, be it going on a vacation with your family and friends or paying off your previous financial debts. A personal loan has got your back in the time of need.

A personal loan comes under unsecured loans, so you do not have to pledge any of your assets as collateral with the bank. The borrower can use the loan for any of his purpose, be it personal or business, it is irrelevant to the bank. A personal loan is a hassle free loan and you get quick disbursal of the finances, so that you don’t have to wait long for your work to begin.

Why Should You Apply for Capital Small Finance Bank Personal Loan ?

Capital Small Finance Bank is one of the most trusted and leading small finance banks in the country. It has many benefits. It helps you in fulfilling your desires by providing you the capital you require. The bank has many repayment options for the borrower, which the borrower can choose according to his/her ease and convenience. Reasons to apply for a personal loan are.

  1. To use it for your personal expenses.
  2. To pay off your previous financial debts.
  3. For using it in your business.
  4. Capital Small Finance Bank Personal Loan helps you in improving your credit score.
  5. Capital Small Finance Bank Personal Loan  has provisions of online banking like net banking.

Capital Small Finance Bank Personal Loan Eligibility

There are a few eligibility criteria that the applicant needs to fulfill to avail a Personal Loan such as credit score, monthly income, your previously availed loans, repayment capability, etc. There are two categories of applicants.

  1. Salaried Applicant
  2. Self-Employed Applicant

There are different eligibility criteria for both.

Salaried Applicant

  1. The applicant’s minimum age should be 21 years and maximum of 60 years.
  2. The applicant should have a work experience of minimum three years, and the salary should get deposited in their bank account only.
  3. If the applicant lives in a metropolitan city, then they should have a minimum income of Rs 18,000 and if the person lives in a non-metropolitan city, then a minimum salary of Rs 12,000.
  4. The applicant should have a good CIBIL score, and it should be greater than 700.
  5. Furthermore, the applicant has to submit their bank statement of the last three months and the salary slip of the last six months.

Click to know more about Salaried Applicant

Self-Employed Applicant

  1. Firstly, the applicant’s minimum age should be 25 years and maximum of 65 years.
  2. The ITR filed by the applicant should be minimum of Rs 2.5 lakhs per annum.
  3. The credit score of the applicant must be good, and no previous financial debt should be left due.
  4. The applicant should have filed the ITR for the last three consecutive years.

Click to know more about Self-employed Applicant

Capital Small Finance Bank Personal Loan Documents

Documentation for Capital Small Finance Bank Personal Loan varies according to the customer’s profile. Before issuing the loan, banks ensure the repayment capacity of the customer. The personal loan documents are different for salaried and self-employed applicants. Before applying for a personal loan, please check the eligibility and documentation.

  1. Identity proof (Passport/Id Card/Voter Card/Driving License/Aadhar Card) any one of these is required.
  2. Residence proof (Passport/Id Card/Voter Card/Driving License/Ration Card/Aadhar Card). If the applicant lives in a rented apartment, then he has to submit his rental agreement, electricity bill which has to be in the name of the applicant and the address of the owner. The applicant has to submit his PAN card which is very essential document under the KYC norms.
  3. And, if the applicant is self-employed then he has to submit ITR of the last three consecutive years and the business should be registered.
  4. If the applicant is a salaried one, then he has to submit his salary slip of the last three consecutive months and the bank statements of the last six months.
  5. Two passport size colored photos.

Salaried Individual

Self Employed People

Last 3 months salary slips & last 6 months bank statement

 ITR of minimum 2.5 lakhs for last 3 years

Identity Proof: Aadhar Card/Pan Card/Voter Id/ Driving License/ Passport

Address Proof: Aadhar Card/Pan Card/Voter Id /Passport/Driver License and if the person is living in a rented apartment then rental agreement, electricity & water bill and owner’s address

 Two colored photographs

 PAN Card photocopy

Capital Small Finance Bank Personal Loan Interest Rates

A personal loan is a financial help provided by the bank to the customers. The borrower can avail a personal loan from any lending institution, be it private sector or public sector bank. The interest rates varies from banks to banks and according to the customer’s profile. Some banks provide special offers to its internal customers like affordable interest rates, low processing fee, affordable EMIs and long tenure period.

Click to know more about Interest Rates on Personal Loan

Capital Small Finance Bank Personal Loan Tenure

The tenure of the personal loan varies from 1 year to 5 years. The customer can opt for any duration according to their comfort.

Click to know more about EMI Calculator

Features of Capital Small Finance Bank Personal Loan

  1. Firstly, the loan is disbursed without pledging any collateral from the customer. A personal loan comes under unsecured loans, the banks don’t ask for any asset as collateral.
  2. A personal loan can be used for various purposes like, paying previous bills, house renovation etc.
  3. The loan is directly given to the customer without the involvement of any third party. It is a relationship between the borrower and the lender.
  4. Getting a personal loan is a hassle-free process. Online portals have made it even more convenient to apply for the customers. You can get the loan amount in your account without having to step out of your place.
  5. There is minimal documentation.
  6. It is easily sanctioned within 24-48 hours without any hassle.

Capital Small Finance Bank Personal Loan Benefits

  1. Firstly, the Capital Small Finance Bank Personal Loan is easily accessible. You can apply online for the loan from anywhere in India.
  2. Secondly, the rate of interest in Capital Small Finance Bank personal loan is very reasonable; a person can easily afford it.
  3. You can use the loan amount according to your requirements.
  4. The documentation process is very simple in the Capital Small Finance Bank personal loan.
  5. The most important thing is that a personal loan is an unsecured loan, so there is no need for any collateral.
  6. The bank is well known in the country, you can easily trust the bank and its terms and conditions.
  7. If you are eligible, your loan gets sanctioned within a day.
  8. After the approval of your loan, the process of loan disbursal is very quick.
  9. Lastly, there is no need of any guarantor.

How to Apply for Capital Small Finance Bank Personal Loan ?

  1. Firstly, you have to visit www.dialabank.com
  2. Then, go to the loan section and click on the personal loan link.
  3. The applicant will get the details of Personal Loan where they can understand more about the loan.

Why Dialabank?

  1. We don’t charge any extra fee from our customers.
  2. Get advice and guidance from our experts.
  3. The process is time saving if you apply through dialabank.
  4. The Loan gets disbursed in no time at all.

About Capital Small Finance Bank

Capital Small Finance Bank is one of the most trusted NBFC of the country. It is India’s 1st Small Finance Bank. It got converted from Capital Local Area Bank. It is one of the most reliable capital provider in India. It has a very large customer base. Capital Small Finance Bank has good reputation among the people.

FAQs About Capital Small Finance Bank Personal Loan

What is Capital Small Finance Bank Personal Loan?

A Personal Loan is a loaning scheme that can be availed to meet your urgent financial needs without the need to submit security with the bank. You can easily apply for a Capital Small Finance Bank Personal Loan to finance your expenses.

What is the Personal Loan rate of interest in Capital Small Finance Bank?

Capital Small Finance Bank Personal Loan rates start from 10.75% per annum. The rate of interest depends on the borrower’s profile. If you have a good CIBIL Score you can expect a lower rate of interest.

How can I get Capital Small Finance Bank Personal Loan?

You can get a Personal Loan from Capital Small Finance Bank by visiting the nearest branch with your documents and duly signed application form. You can also visit Dialabank’s digital platform to compare offers of different banks and financial companies.

How to apply for Personal Loan in Capital Small Finance Bank?

You can apply for a Personal Loan with Capital Small Finance Bank by contacting your nearest branch in person or through Dialabank’s online portal for better convenience and to get the best deals and offers.

Why apply for Capital Small Finance Bank Personal Loan?

Personal Loans can be used to finance all your small and big expenses. The long tenures and attractive interest rates make it easy to repay the loan in burden-free EMIs. You can use your Capital Small Finance Bank Personal Loan for all your personal financial needs without having to submit any security.

How much EMI on Capital Small Finance Bank Personal Loan?

Your Personal Loan EMI depends on your loan amount, loan tenure, and rate of interest. You can visit Dialabank and use our EMI Calculator to calculate your Capital Small Finance Bank Personal Loan EMIs.

How much CIBIL score required for Capital Small Finance Bank Personal Loan?

You will need a CIBIL score above 700 for your Loan with Capital Small Finance Bank. Banks require a high CIBIL score for unsecured Personal Loans because it helps calculate the risk of default.

Minimum credit score needed for Capital Small Finance Bank Personal Loan?

A minimum credit score of 700 is needed for Capital Small Finance Bank Personal Loans. A healthy credit score is a necessity to avail unsecured loans.

How to calculate Capital Small Finance Bank Personal Loan EMI?

You can calculate your Capital Small Finance Bank Personal Loan EMI using the formula, E = P x R x [((1+R)^N)/((1+R)^N)-1]. Here, P is your principal loan amount, R is your rate of interest, and N is the loan tenure. You can also use Dialabank’s EMI calculator.

What can I use Capital Small Finance Bank Personal Loan for?

Your Capital Small Finance Bank Personal Loan can be used to fulfill all your financial needs and meet all your expenses. A wedding, an event, travel, and vacation, buying of consumer goods, payment of bills, etc.

Can I prepay Capital Small Finance Bank Personal Loan?

Yes, you can prepay your Capital Small Finance Bank Personal Loan by contacting your loan branch in person. In some cases, you may be required to pay a small foreclosure charge.

How to prepay Capital Small Finance Bank Personal Loan?

Visit your Capital Small Finance Bank loan branch and apply for a foreclosure on your Loan account.You will need to pay all the pending amount and upon verification of your payments, your loan will be closed.

How to repay Capital Small Finance Bank Personal Loan?

You can repay your Capital Small Finance Bank Personal Loan in easy monthly EMIs that consist of both your principal amount and interest. You can either give a standing instruction or an ECS on your bank account for the monthly deduction of EMIs.

What documents are needed for Capital Small Finance Bank Personal Loan?

You will need your basic KYC documents along with proof of your income to apply for a Personal Loan from Capital Small Finance Bank. These documents are to be submitted along with a duly signed application form with the bank.

How to check Capital Small Finance Bank Personal Loan status?

You can check your Loan status by contacting your Capital Small Finance Bank branch in person or through customer care number.

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