Capital Small Finance Bank Loan Against Property

A Mortgage Loan from Capital Small Finance Bank to meet your personal needs

A perfect loan against property for debt consolidation

Capital Small Finance Bank Loan Against Property

This loan helps borrowers get access to funds by mortgaging their property to meet their urgent financial needs. Many borrowers use loans against property to purchase a new property, pay for renovation or repair of their home while others avail them to meet the expenses such as those for a child’s wedding, dream vacation, medical exigencies, debt consolidation and so on.

Features of Capital Small Finance Bank Loan Against Property

Why this Loan?

  • The Capital Small Finance Bank Loan Against Property is meant for borrowers who want to avail financial assistance by mortgaging their property to the bank to meet their urgent financial needs other than for capital market, business, trading or speculative purposes
  • This loan can also be repurposed into a consolidation loan to pay off high-interest debts

Loan Amount

  • The maximum loan amount to be sanctioned under this loan scheme is Rs. 25 lakh


  • The repayment period of this loan is decided by the bank on a case-to-case basis depending on the loan amount, repayment capacity of the borrower, etc.


  • The applicable interest rate on this loan is defined as the sum of two factors namely, one-year Marginal Cost of Funds based Lending Rate (MCLR) and Spread. As of October 2020, the one-year MCLR of Capital Small Finance Bank is 10.05%. The Spread factor is decided by the bank based on the loan type, quantum of loan, credit score of the borrower, etc.

Margin Money (Borrower’s Contribution to Total Cost)

  • The bank charges up to 50% as margin for this loan


  • The applicants must be above the age of 18 years and residents of India

Security Needed

  • The bank asks for the first charge of equitable/registered mortgage of property

Processing Charges

  • The bank charges up to 1.00% of the loan amount for processing this loan

Documents Needed for Individuals (Salaried and Self-employed)

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card / PAN Card Issuing Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof for Salaried Professionals: Last 3 months’ salary slip, Form 16 or income tax returns
  • Income/Banking Proof for Self-employed Professionals/Non Professionals: Computation of income of last 2 years, Balance Sheet, Profit and Loss Account, Registration Certificate, GST Return, Income Tax Challan / Form 26AS / TDS Certificate, IT Assessment, etc.
  • Property related documents

Reference Facts

  • Capital Small Finance Bank Website:
  • Headquarters: Jalandhar, Punjab
  • Call Centre Number: +181 505 1111