Capital Gold Loans

Capital Trust Ltd.

About this app

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.