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Capital SFB

Gold Loan

Features of Gold Loan

Competitive interest rates and hassle-free paperwork

Quick approval and disbursal against your gold assets

Multiple repayment options

About Gold loan

Capital SFB Gold Loan is designed to help you tap the potential of your gold assets lying idle. You can get a convenient, hassle-free loan against your gold assets to meet various expenses such as agricultural/allied activities, medical, educational, marriage expenses, and other unforeseen expenses.


Personal Purpose - 30% on Term Loan, 50% on bullet payment

Agriculture Purpose - 30% on Term Loan (EMI based), 40% on HY instalment and bullet payment

Security Norms

Pledge of the gold jewellery/ornaments duly valued by approved valuer

Guarantee Norms

Third-party guarantee of substantial means

Maximum Credit Limit

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


Individuals or group of individuals who are 18 years of age or older

Salaried employees, Professionals and Self-employed

Documents Required

Income proof

Identity proof

Residential proof

Proof of ownership and cultivation of land, if applicable

Other documents as per applicable rules

How to apply for Gold Loan?

Visit your nearest branch: To begin the process, bring your KYC documents and passport-sized photographs to your nearest branch. You can fill out the application form at the branch to get started.

Customer Care: Call us at 1800 120 1600, one of our representatives will get in touch with you.

Email: Mail us as at lead@capitalbank.co.in with your Name, Contact Number, Address & Message. One of our representatives will get in touch with you.


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Benefits of Gold Loan

  • Hassle-free disbursal: The loan disbursal process is quick and hassle-free, allowing borrowers to access the funds they need quickly.
  • Widely accessible across India: You can apply for the loan through any Capital SFB branch
  • No hidden charges: The process is completely transparent and does not include any hidden charges.


Gold Loans have secured loans where you can pledge your 18 to 24 carats of gold ornaments as collateral to borrow money. You can use the loan amount for personal or business needs. The loan amount is to be capped at 70% of the gold value and the loan tenure is between 6 to 36 months. Gold Loans have competitive interest rates compared to other loans.

The gold loan can be availed in the range of Rs.20.00 thousand to 10.00 lacs and same can be utilised for Household, business and agricultural purpose by the customers.

The Individuals can avail the loan under Gold loan scheme of the bank and the same can be availed against self-owned gold jewellery by the applicants.

Gold Loans are generally for short-term funding and have a 6 to 36 months repayment tenure, as per the requirement of customer.

The Gold Loans up to 1.00 can be repaid in 12 months , while loans exceeding 1.00 lac and up to 10.00 lac can be repaid up to a tenor of 36 months.

Gold Loans are loans where you pledge your gold ornaments as collateral. The lender determines the weight and purity of the gold to assess its market value. After verifying the documents, the loan terms, including the interest rate, are finalized. The gold ornaments remain with the lender until the loan is repaid.

 RTGS/NEFT/IMPS/NACH payments received by the Bank in loan accounts after 9:00 p.m.,
will be considered as credit in next day for overdue calculation.