Capital Small Finance Bank Personal Loan

Thinking of availing a Personal Loan to pay off your debts?

Take a look at Capital Small Finance Bank Personal Loan

Capital Small Finance Bank Personal Loan Scheme

This loan is specifically designed for salaried employees of govt. organisations and reputed private organisations as well as self-employed individuals to help them get funds to meet their urgent financial needs. This personal loan can also be repurposed into a consolidation loan to pay off their high-interest credit card debts and loans.

Features of Capital Small Finance Bank Personal Loan

Why this Loan?

  • The Capital Small Finance Bank Personal Loan is meant for salaried employees of government units/institutions or reputed private organisations and self-employed professionals/non-professionals who need funds to meet their personal needs. This loan can also be used to pay off high-interest debts, thereby consolidating debt
  • This is a collateral-free loan

Loan Amount

  • The maximum loan amount offered under this loan scheme is Rs. 5 lakh


  • 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% and Spread factor is 6.00% bringing the effective interest rate at 16.05%


  • At the time of writing, the repayment period for this loan is not mentioned on the bank’s website. Please talk to a bank representative for details


  • The borrower must be an Indian resident
  • Salaried employees of Public Sector Undertakings, Central Government or State Government units, reputed corporate entities, etc. are eligible for this loan
  • Self-employed professionals and self-employed non-professionals with a regular source of income are eligible for this loan

Security Needed

  • This is a collateral-free loan
  • The bank asks for third-party guarantee to secure this loan

Processing Charges

  • The bank charges up to 1.00% of the loan amount with a minimum of Rs. 500 for processing this loan

Documents Needed

  • 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/Self-employed 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.

Reference Facts

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