Looking for a Small Business Loan from Capital Small Finance Bank?

This page contains all the information you need to make a sensible and sound decision.

MSME Loans from Capital Small Finance Bank (CSFB)

Being one of the popular small banks in India, Capital Small Finance Bank offers a range of financial products to different segments of its customer base. As of now, the bank offers two loans, each suitable for different types of MSME entities. In addition to MSME loans, the bank also offers other financial schemes to its retail and corporate customers.

The MSME loans from Capital Small Finance Bank are:

  1. Loan Scheme for SME
  2. Financing to Commission Agents

We give you a brief introduction to the MSME loans below.

Capital Small Finance Bank Loan Scheme for SMEs

This loan is designed to help businesses in the SME sector meet their working capital and capital expenditure needs. All businesses that fit in the SME definition in the trading, services and manufacturing sector are eligible for this loan.

Featured of Capital Small Finance Bank Loan Scheme for SMEs

Why this Loan?

  • The Capital Small Finance Bank Loan Scheme for SMEs is the perfect SME loan to help small businesses in the trading, manufacturing and services sector meet their working capital and capital expenditure needs
  • The maximum amount sanctioned under this loan is subject to the needs and repayment capacity of the borrower
  • This is a secured loan

Capital Small Finance Bank Financing to Commission Agents

This loan is designed to help commission agents engaged in the supply or distribution of fertilisers, seeds, pesticides, etc. to the farmers get access to funds for their business needs. This is a secured loan.


Featured of Capital Small Finance Bank Financing to Commission Agents

Why this Loan?

  • The Capital Small Finance Bank Financing to Commission Agents is the perfect loan scheme to help commission agents in the agriculture sector meet their working capital and capital expenditure needs
  • The maximum amount sanctioned under this loan is subject to the needs and repayment capacity of the borrower

Important Note: Even though the bank’s website has information available for fewer MSME loan schemes at this time, there is a possibility that the bank may offer more loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for Capital Small Finance Bank Business Loans


  • The interest rate for the Capital Small Finance Bank MSME loans is defined as the sum of one-year Marginal Cost of Funds-based Lending Rate (MCLR) and Product Spread. Product Spread depends on various factors such as quantum of loan, type of business, risk rating, nature of project, repayment period, structure of debt, etc.

Documents Needed for Individuals

  • 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 Issue 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: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Reference Facts

  • Capital Small Finance Bank Website: www.capitalbank.co.in
  • Headquarters: Jalandhar, Punjab
  • Phone Number: +91 181 5051111, +91 181 5052222
  • Email: [email protected]