Capital Small Finance Bank

ATM Helpline Toll Free

* 8:00 AM to 8:00 PM

1800 120 1600

Great Place To Work RBI Kehta Hai
MCLR

Rates for Different Maturities

a. Overnight MCLR 9.65
b. One Month MCLR 9.65
c. Three Month MCLR 9.65
d. Six Month MCLR 9.65
e. One Year MCLR 9.65
f. Above One Year MCLR 9.65

 

Base Rate10.20%

 

External Benchmark Rate (EBR)Repo Rate 5.15% at present

Housing Loan

Category Loan Amount Benchmark Product Spread Credit Risk Premium* Remarks Reset Clause
Housing Loans – Salaried Class
(with LTV upto 75%)
Upto Rs.25.00 Lac EBR 3.25 1.75 Floating Quarterly
Above Rs.25.00 Lac to Rs.75.00 Lac EBR 3.25 2.00 Floating Quarterly
Above Rs.75.00 Lac EBR 3.25 2.25 Floating Quarterly
Housing Loans – Non Salaried Class
(with LTV upto 75%)
Upto Rs.25.00 Lac EBR 3.25 1.85 Floating Quarterly
Above Rs.25.00 Lac to Rs.75.00 Lac EBR 3.25 2.10 Floating Quarterly
Above Rs.75.00 Lac EBR 3.25 2.35 Floating Quarterly
Housing Loans – Salaried Class
(with LTV more than 75%)
Upto Rs.25.00 Lac EBR 3.25 2.00 Floating Quarterly
Above Rs.25.00 Lac to Rs.75.00 Lac EBR 3.25 2.25 Floating Quarterly
Above Rs.75.00 Lac EBR 3.25 2.50 Floating Quarterly
Housing Loans – Non Salaried Class
(with LTV more than 75%)
Upto Rs.25.00 Lac EBR 3.25 2.10 Floating Quarterly
Above Rs.25.00 Lac to Rs.75.00 Lac EBR 3.25 2.35 Floating Quarterly
Above Rs.75.00 Lac EBR 3.25 2.60 Floating Quarterly

Effective Rate: EBR + Product Spread + Credit Risk Spread
*Credit Risk Premium may vary client to client.
Processing Fee: 0.50% of the loan amount.

Personal Loan & Consumer Loan

Interest RatesProcessing Fee
Personal Loan : MCLR + 6.00%
Consumer Loan : MCLR + 5.75%
1.00% with minimum Rs.500/-

Auto Loan / Transport Loan

Interest RatesProcessing Fee
Two Wheeler : MCLR + 4.00%
New Four Wheeler (Non-Commercial) : MCLR + 1.25%
Transport Vehicle : MCLR + 3.00%
1.00% with minimum Rs.500/-
0.50% of the Loan Amount
0.50% of the Loan Amount

Pre-Payment Charges

Auto Loans
In case the account is adjusted before 1 year from the scheduled date of expiry or it is taken over by some other bank, premature charges will be levied @ 2%.
Minimum Rs.500/-

Housing Loans (on floating rate): NIL

Term Loans for Rs.1 Cr & above and Project Loans (irrespective of amount)

If Adjusted / Taken Over Within Charges
1 Year of Account Opening 5%
2 Years of Account Opening 4%
3 Years of Account Opening 3%
After 3 Years but before 1 Year of Scheduled Date of Expiry 2%

Other Loans
In case the account is adjusted before 1 year from the scheduled date of expiry, premature charges will be levied @ 1%. In case the account is taken over by some other bank, premature charges will be levied @ 2%.
Minimum Rs.500/- (Charges to be calculated on outstanding balance or Drawing Power, whichever is higher)

As per RBI directives, customers are advised to replace your existing magnetic stripe only debit cards with the EMV card from your branch.

Security Alert !!!
Please beware of Malicious Mobile Apps which can be used for fraudulent transactions. For information, click here

For Current Offers & Cash Backs on Rupay Cards, click here

RBI cautions Public against Fictitious Offers. For details, click here

RBI Kehta Hai – Public Awareness messages from RBI. Click Here
clab_rightnavpic_corporatevideo.jpg