Capital Finstech

Capital Finstech — Personal Loan Up to ₹20 Lakh
✓ RBI Registered NBFC
Instant Personal Loan

Loan Up to
₹20 Lakh
in 2 Minutes

100% digital process. Minimal documents. Interest starting from 7.99% p.a. No hidden charges. No branch visit. Funds in your account within 24 hours.

0 Happy Customers
₹0 Cr+ Loans Disbursed
7.99% Interest From
Apply in 2 Minutes
100% Digital · No Branch Visit · Instant Decision

By submitting you agree to our Privacy Policy & Terms. Loan approval subject to eligibility & credit assessment.

🏦 RBI Registered NBFC
🔒 256-bit SSL Secure
📋 No Hidden Charges
⚡ Instant Approval
📱 100% Paperless
✅ Transparent Terms
Simple Process

How to Get Your Loan

4 simple steps — completely online, zero paperwork, instant decision

📝
Fill Application

Enter basic details — name, mobile, loan amount, employment type. Takes 2 minutes.

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📤
Upload Documents

Upload Aadhaar, PAN, and income proof digitally. No physical visit needed.

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✅
Get Approved

AI-powered credit assessment gives you an approval decision in as little as 2 minutes.

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💰
Get Money

Funds credited directly to your bank account within 24–48 hours after verification.

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Loan Products

Choose Your Loan Type

Competitive rates across every loan category — click to see full details

💳
Personal Loan
Interest from 9% p.a.*

For emergencies, travel, weddings, medical expenses. EMI up to 60 months. Minimal documentation.

Up to ₹20 Lakh
🏢
Business Loan
Interest from 10% p.a.*

Working capital, expansion. For registered businesses & self-employed professionals.

Flexible Tenure
🏠
Home Loan
Interest from 8.5% p.a.*

Purchase, construction, or renovation. Tenure up to 30 years. Balance transfer available.

Up to 30 Years
🏗️
Loan Against Property
Interest from 9% p.a.*

Secured by residential or commercial property. Tenure up to 20 years. Higher eligibility.

Higher Amount
🎓
Education Loan
Interest from 8% p.a.*

Higher studies, professional courses in India & abroad. Moratorium period available.

Study Now Pay Later
🚗
Car Loan
Interest from 9.5% p.a.*

New & used vehicles. EMI up to 7 years. Fast approval, minimal documentation required.

New & Used Cars
Transparent Terms

All Costs Upfront

No surprises. Full disclosure as per RBI Fair Practice Code.

Loan Amount
₹50K–₹20L
Based on eligibility
Interest Rate (APR)
7.99%–12%
Per annum, reducing balance
Repayment Tenure
12–120 Mo
Flexible EMI options
Processing Fee
Up to 2%
Of approved loan amount
⚠ Important Disclosure — Google Ads Compliant

Representative Example: For a personal loan of ₹1,00,000 at an annual interest rate of 10% for 24 months, the monthly EMI would be approximately ₹4,614. Total amount payable: ₹1,10,736 (including processing fee up to 2%). APR: 10%–12%.

Loan approval subject to credit assessment, KYC verification, and eligibility criteria. Interest rates, fees, and terms vary by credit profile, income, and loan amount. Capital Finstech is an RBI-registered NBFC. All loans governed by RBI guidelines and fair practice code. For grievances: support@capitalfinstech.com. Please borrow responsibly — only take loans you can comfortably repay.

EMI Calculator

Plan Your Repayment

Adjust sliders to calculate your monthly EMI instantly

Monthly EMI
₹0
Principal Amount₹0
Total Interest₹0
Processing Fee (2%)₹0
Total Payable₹0
*Indicative figures only. Actual EMI depends on lender approval, CIBIL score, and final terms.
Eligibility

Who Can Apply?

👔
Salaried Individuals
  • ✓ Age 21–58 years
  • ✓ Minimum monthly salary ₹20,000 net
  • ✓ 6+ months with current employer
  • ✓ CIBIL score 700+
  • ✓ Valid Indian KYC documents
View Full Criteria →
🏢
Self-Employed / Business
  • ✓ Age 25–65 years
  • ✓ Business operational 2+ years
  • ✓ ITR for last 2 years
  • ✓ CIBIL score 680+
  • ✓ Business registered in India
View Full Criteria →
Customer Reviews

Trusted by 50,000+ Borrowers

★★★★★

"Got my personal loan of ₹5 lakh approved within 2 hours. The whole process was online, no paperwork, no branch visits. Highly recommend Capital Finstech!"

R
Rajesh Kumar
Delhi, NCR
★★★★★

"I needed a business loan urgently for stock. Capital Finstech processed it quickly with a very competitive interest rate. The team was very supportive throughout."

P
Priya Sharma
Mumbai, Maharashtra
★★★★☆

"Transparent process, no hidden charges. The EMI was affordable and the repayment tenure I chose suited my salary. Would definitely apply again."

A
Amit Verma
Bangalore, Karnataka
FAQ

Common Questions

What is the minimum and maximum personal loan amount? ▾
The minimum loan amount is ₹50,000 and the maximum personal loan amount is ₹20,00,000 (₹20 Lakh). Business and home loans may have different limits based on eligibility.
What is the interest rate and APR? ▾
Personal loan interest rates start from 7.99% p.a. and go up to 12% p.a. The Annual Percentage Rate (APR) ranges from 10%–12% inclusive of processing fee. The final rate depends on your CIBIL score, income, and tenure. All costs are disclosed before disbursal.
Is Capital Finstech an RBI approved company? ▾
Yes. Capital Finstech is a registered Non-Banking Financial Company (NBFC) with the Reserve Bank of India (RBI). We strictly follow all RBI guidelines on lending, fair practices, and ethical recovery.
How long does approval and disbursal take? ▾
Initial approval can happen in as little as 2 minutes for eligible applicants. After document verification, funds are typically credited to your bank account within 24–48 hours.
Are there prepayment or foreclosure charges? ▾
Prepayment and foreclosure charges (if any) are clearly disclosed in the loan agreement before disbursement. Capital Finstech follows RBI fair practice code on all fees and charges. No hidden surprises.
How do I raise a complaint or grievance? ▾
You can write to support@capitalfinstech.com. If not resolved within 30 days, you may escalate to the RBI Banking Ombudsman. Our Grievance Redressal Policy is available on the website.