Capital Gold Loans

Capital Trust Ltd.

About this app

Capital Gold Loans – Fast, Transparent & RBI-Compliant Gold Finance

Unlock quick, transparent, and RBI-aligned gold finance with Capital Gold Loans — powered by Capital Trust Limited (CTL), a 40-year-old, publicly listed NBFC.
Pledge and manage your gold loans easily, securely, and paper-light through our digital-first platform.

🌟 Why Choose Capital Gold Loans

🏦 RBI-Aligned from Day One
Complies with RBI Gold Loan Directions (2025) and KYC/AML norms.
LTV, valuation, auction, and margin-call practices follow RBI guidelines.

💬 Real Support
Get in-app chat & phone assistance, with proactive reminders for interest, releases, and margin calls.

🔗 Branch-Led, Tech-Enabled
Digitally upload documents, e-sign agreements, and schedule visits — all in one app.

💸 Transparent Pricing
No hidden fees. See all rates, charges, and due dates before you confirm.

🔒 Safe Gold Handling
Dual-control vaults, CCTV, insured custody, and complete audit trails for your peace of mind.

📱 What You Can Do

Apply for a gold loan in a few taps

Complete digital KYC and book branch visits

Track loan status from application to disbursal

View valuation & LTV instantly (as per RBI norms)

Pay interest or part-payments anytime via UPI/net banking

Manage releases, renewals, and top-ups

Download statements & tax proofs anytime

Use calculators to estimate interest and repayment options

👥 For Individuals & MSMEs

Perfect for shopkeepers, traders, and households seeking short-term liquidity or working capital.
Many loans qualify as MSME/priority-sector where applicable.

⚙️ Key Highlights

Ticket Sizes: From small-value to high-value (branch-specific)

Tenure: Short, easily renewable durations

Repayment: Monthly interest with part-payment flexibility

Processing: Transparent fees and taxes upfront

🛡️ RBI-First Compliance

KYC/AML: Digital, privacy-respecting, traceable

Valuation: Standardized with CCTV & dual checks

LTV & Margin Calls: Strictly within RBI norms

Auction & Release: Transparent, policy-based communication

Grievance Redressal: In-app escalation to CTL’s Nodal Officer

💰 Illustrative Example

Loan: ₹3,00,000
Tenure: 12 to 36 months
Rate of Interest: 14% – 35.40% p.a.
Interest per month: ₹3,500
Processing Fee: ₹531 (incl. GST)
Total Interest (12 months): ₹42,000 
Total Repayable: ₹3,42,531

(Illustrative only; actual rates and fees vary by product and profile. All terms are shown in-app before confirmation.)

🔐 Security & Privacy

Your data is encrypted, and your gold is stored under dual control and insured custody.
CTL never shares your information except as required by law or RBI regulation.

📲 Download Capital Gold Loans Now

Get compliant, transparent, and swift gold finance from Capital Trust Limited — a trusted NBFC serving India for over four decades.

Disclaimer: Loan approval, valuation, LTV, tenure, and pricing depend on CTL policies and RBI regulations. Features may vary by branch/location and are subject to change. Please refer to the in-app Key Fact Statement (KFS) and sanction letter for final terms.