Capital Gold Loans

Capital Gold – Fast, Secure & RBI-Compliant Gold Lending Get quick, transparent, and RBI-aligned gold loans with Capital Gold, powered by Capital Trust Limited (CTL), a 40-year-old, publicly listed NBFC registered with the Reserve Bank of India (Registration No. B-12.03203). Capital Gold offers a branch-led, secured gold loan journey — simple, transparent, and paper-light. Gold valuation, pledge, sanction, and disbursal are conducted only at authorized CTL branches. 🌟 Why Choose Capital Gold 🏦 RBI-Compliant Gold Lending Operations follow applicable RBI guidelines for NBFC gold lending, including KYC/AML norms, LTV limits, valuation standards, margin call processes, and transparent customer communication practices. 💬 Real Customer Support Access in-app assistance and phone support. Receive timely reminders for interest payments, renewals, releases, and important loan updates. 🔗 Branch-Led, Tech-Enabled Upload documents, complete preliminary KYC, e-sign agreements (where applicable), and schedule branch visits — all within one secure app. 💸 Transparent Charges No hidden fees. Interest rates, processing charges, taxes, and repayment details are clearly disclosed in the Key Fact Statement (KFS) before confirmation. 🔒 Safe Gold Custody • Standardized gold assay and valuation • CCTV-monitored branch processing • Dual-control vault storage • Insured custody with full audit trails 📱 What You Can Do ✔ Apply for a gold loan ✔ Complete digital KYC and book branch appointments ✔ Track loan status from valuation to disbursal ✔ View sanctioned gold value and eligible LTV (post branch assessment) ✔ Pay interest or part-pay anytime via UPI/net banking ✔ Request renewal or release (as per policy) ✔ Download loan statements and receipts ✔ Use calculators to estimate repayment 👥 Who Can Use This App For individuals, families, traders, shopkeepers, and MSMEs seeking short-term liquidity through secured gold loans. Loan eligibility and approval are subject to due diligence, branch policy, and applicable RBI regulations. 💰 Illustrative Example (For Understanding Only) Loan Amount: ₹3,00,000 Tenure: 12–36 months Interest Rate Range: 14% – 35.40% per annum Monthly Interest (at 14% p.a.): ₹3,500 Processing Fee (illustrative): ₹531 (incl. GST) Total Interest (12 months at 14%): ₹42,000 Total Repayable: ₹3,42,531 Actual interest rate, APR, tenure, and fees depend on product variant, branch policy, and borrower profile. Final terms are disclosed in the sanction letter and KFS before acceptance. 🛡️ RBI-First Compliance • Digital KYC & AML verification • Sanctions within RBI-prescribed LTV norms • Structured margin-call communication • Transparent auction procedures (if applicable) • In-app grievance redressal access 🔐 Security & Privacy Customer data is encrypted and handled in compliance with regulatory requirements. Gold is stored under insured dual-control custody. Capital Trust Limited does not share personal data except as required by law. Important Disclosure Capital Gold is a branch-based gold loan facilitation application. Physical gold pledge at authorized branches is mandatory for loan sanction and disbursal. This app does not provide unsecured or instant digital loans.