Capital Small Finance Bank Great Place To Work

12:56 PM Saturday, 23 September 2017

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* 10:00 AM to 5:00 PM

1800 120 1600

Housing Loans*

We have dedicated team of experts, in-depth knowledge, customized relationship, management support and a complete package to meet all your housing finance needs. We at CSFB help you to own a home of your dreams.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
A scheme for your dream home Individuals or Groups of individuals No ceiling for Construction / Acquisition / Purchase / Expansion of existing structure and for Repair / up-gradation of existing units Rs.10.00 Lac subject to repayment capacity Income Proof, Identity Proof, Residential Proof and rest of documents upon project details 25% in case of Purchase / Construction and 50% on Repair / Renovation Mortgage of house property Third party guarantee of substantial means.

Auto Loans*

Getting to drive your dream vehicle can make life seem so much better. Turn your dream into reality. Own that new car you have always desired. CSFB offers Auto Loans for your dream vehicle. Our Auto loans are easy and quick to avail and we make sure you to take on the roads faster with our quick processing of the loan. Rush to book your dream car or bike, while we take care of your loan requirement.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
Scheme for financing of two wheelers and four wheelers like scooters and motor cycles, cars etc Individuals , Traders, Professionals, Self-employed , Agriculturists, Firms, Companies, Societies and Associations No ceiling subject to repayment capacity Income Proof, Identity Proof, Residential Proof and rest of documents required as per applicable rules As per scheme Hypothecation of vehicles purchased Third party guarantee of substantial means.

Kisan Credit Card*

To provide timely and adequate credit to farmers to meet their production credit needs (cultivation expenses) besides meeting contingency expenses and expenses related to ancillary activities through simplified procedure facilitating availment of the loans as and when needed.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
To meet short term credit requirements of the farmers All famers owning agriculture land. No ceiling subject to cropping pattern, land holding and value of security Income proof, Identity proof, Residential proof, Proof of ownership and cultivation of land. Further rest of the documents required as per applicable rules No Margin Standing crops and mortgage of agriculture land as per the scheme Third party guarantee of substantial means.

Scheme for SME*

SME constitutes an important sector of the economy and trader is a key component of supply/distribution system. CSFB extends credit to the traders, manufacturers and service enterprises on attractive terms to meet their requirements for financing of stocks / book debts and creation of assets required for smooth running / expansion of their business.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
To cover Traders / Manufacturers, Service Enterprises having satisfactory financial background. Individuals / Firms / Private / Public Limited Companies No ceiling subject to business needs and repayment capacity Income proof, Identity proof , Residential proof, Financial statements and security details 25% normally Charge on stock, Debtors with adequate Collateral Security are eligible Third party guarantee of substantial means.

Financing to Commision Agents*

CSFB has formulated the scheme for financing the commission agents/artiyas, which is one of the thrust areas of dispensation of credit. The scheme has been made after considering to the input requirements and other needs of the commission agents.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
A) To provide finance to commission agents/ artiyas against the receivables in the shape of advances to farmers.
B) To provide financial assistance against the security of stock / debtors also where the commission agents are engaged in supply / distribution of inputs like fertilizers, seeds, pesticides etc to the farmers.
Individuals / Firms/ Companies / Commission agents / Artiyas No ceiling subject to business needs and repayment capacity Income proof, Identity proof, Residential proof. Further rest of the documents will be required as per applicable rules 1. Margin 25% against stock.
2. 40% against advances to farmers.
Stock, trade debtors and receivables in the shape of advances to farmers Third party guarantee of substantial means.

Personal Loans*

Need financial assistance for marriage-related expenses, urgent educational / hospitalization expenses or travel abroad. CSFB Personal Loan is your one-stop-shop for fulfilling all your financial aspirations.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
A scheme to meet personal expenses e.g. marriage, family function, medical expenses, educational expenses, tour & travel etc. Professional ∓ Self employed, Employees and Business community. Rs.1.00 Lac to Rs.5.00 Lac for qualified professionals, MBBS/BDS Doctors subject to repayment capacity Income Proof, Identity Proof, Residential Proof and rest of documents as per scheme Nil Personal obligation and Post Dated Cheque’s. Third party guarantee of substantial means.

Loan Against Rentals*

CSFB help its clients to realize the true value of their property which is given on rent. One can unlock the liquidity in future expected rentals of the property through our customer friendly “Loans against Rent Receivables scheme”. Loan Against Future Rent Receivables has been developed considering the growth potential in the real estate in various metros and urban centers, where many commercial properties / shopping malls are being developed and the owners approach banks for loans against assignment of future rent receivables from such properties.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
Financing the owners of commercial properties against future rent receivables Owners of the properties may be Individuals / Partnerships / Corporate / Trusts / HUFs. Further the lessee shall be reputed companies in the Private / Public category, Multinationaland Public Sector Undertakings or Banks 60% of the future monthly rent for the period not exceeding 84 months. Subject to repayment capacity Income Proof, Identity Proof, Residential Proof, Proof of Ownership of Property, Rent Details and rest of documents as per scheme 40% Loan shall be secured by way of assignment of rent and mortgage of the property given on rent. Third party guarantee of substantial means.

Mortgage Loans Against Property*

This scheme has been framed with an objective to provide credit for viable economic activities as well as to meet the domestic needs. This is aimed to unleash the power of property to execute your dreams.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
Setting up of new business or expansion of existing business or domestic needs Individuals / Firms / Private / Public Limited Companies No ceiling subject to credit needs and repayment capacity/ Rs 25.00 Lac for general purpose. Income Proof, Identity Proof, Residential Proof 50% Margin of Security Realizable value not less than 200% of the loan amount Third party guarantee of substantial means.

Preowned Vehicle*

Bank has formulated scheme for refinancing of old / pre-owned vehicles possessed by Individuals and Transport fleet owners so as to enable them to raise loan for their personal use against their existing vehicles.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
To refinance of old / pre owned vehicles. Individuals, Group of Individuals & Corporates / Non Corporate. Amount of loan shall not be more than 50% of the market value of the vehicle. The repayment cannot be extended beyond 3 years. Subject to repayment capacity. Income Proof, Identity Proof, Residential Proof and rest of documents as per scheme 50% (Minimum) Hypothecation of vehicle to be refinanced should not be older than 5 years. Third party guarantee of substantial means.

Gold Loan*

Now tap the potential of your gold assets lying idle with CSFB Loan against Gold, You can get a convenient, hassle free loan against your gold assets. Advance is available for productive purposes such as agricultural / allied and other activities as well as to meet the medical, educational, marriage expenses and other unforeseen expenses.

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
Scheme for consumption / domestic / medical purposes (but not for speculative purposes) Individuals A) Term Loan -Maximum Loan amount Rs.10.00 lac subject to the maximum of 70% of the valuation of Gold Ornaments as per the approved Valuer
B) OD Limit : Rs.5.00 lac. Subject to repayment capacity
Income Proof, Identity Proof, Residential Proof and rest of documents as per scheme A)Term Loan : 30 %
B) Overdraft Limit : 40%
Pledge of the gold jewellery/ornaments duly valued by approved valuer. Third party guarantee of substantial means.

General Credit Card Scheme*

Credit cards are now being extensively used by individuals to make purchase of goods and services on credit and also for cash withdrawals. Considering the demand for such credit requirements from individuals in rural and semi urban areas, the bank introduced a hassle free general credit card (GCC).

PurposeEligibilityMaximum AmountDocuments RequiredMarginSecurity NormsGuarantee Norms
To provide hassle-free credit to bank’s customers. Individuals having regular source of income. Limit amount should not exceed Rs.25,000/-. Subject to repayment capacity. Identity Proof, Residential Proof and rest of documents as per scheme No Margin Personal obligations Third party guarantee of substantial means.

For Interest Rate Range of Contracted Loans, Click Here

*Subject to terms and conditions of the relative scheme.

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