FAQs

Card is not provided in Normal Savings account.

Capital Bank Normal Savings Account provides security of funds at a fixed rate of interest and a high degree of liquidity. It aims to provide an all-around banking experience and serve as a highly liquid investment choice.

No, there is no monthly fee. You have to maintain a minimum Daily Balance (MAB) of ₹100 (without cheque book) else ₹300 for rural areas and ₹300 (without cheque book) else ₹500 for semi-urban/urban areas.

Yes. Upon successful opening of your account, you will receive a Platinum Debit Card at the address provided for communication.

No, there is no monthly fee. You have to maintain a minimum Daily Balance of ₹1,000. Senior citizens with a net relationship value of at least ₹2,50,000 are not required to maintain a minimum balance.

Our Capital Savings Account is a convenient and hassle-free way to save money and track your spending. It offers high-interest rates and monthly payouts, giving you a comprehensive banking experience.

No, there is no monthly fee. You have to maintain a Minimum Average Balance of ₹5,000 per quarter.

Yes, Upon successful opening of your account, you will receive a Platinum Debit Card at the address provided for communication.

In addition to the features offered with the Capital Savings Account, this account provides additional benefits if you maintain a slightly higher quarterly average balance.

Upon opening your account successfully, you can request a Classic Debit Card to be sent to the address provided for communication.

No, there is no monthly fee and requirement of minimum balance.

A Suvidha Bachat Account allows for flexible saving and withdrawing with no minimum balance requirement, while still earning interest. It also offers regular savings account features such as IMPS transfers, phone and internet banking access, and free SMS alerts.

It is recommended to open a Normal Current Account for your business. This will help you manage your money safely and wisely. It also has features that make it easy to do business in a fast, secure way.

A Normal Current Account is specifically designed to meet the transactional needs of businesses. It is meant to be used for financial transactions, such as depositing and withdrawing money, paying bills, and transferring funds.

No, GST is not mandatory to open a Normal Current Account, but you do need to provide documents like your entity’s KYC and information about the people who are allowed to sign for the account. This is required to open a Normal Current Account.

We recommend having a Capital Current Account for your business. This will help you manage your money safely and wisely. It also has features that make it easy to do business in a fast, secure way.

No, GST is not required to open a Capital Current Account, but you do need to provide documents like your entity’s KYC and information about the people who are allowed to sign for the account. This is required to open a Capital Current Account.

A Capital Current Account is specifically designed to meet the transactional needs of businesses. It is meant to be used for financial transactions, such as depositing and withdrawing money, paying bills, and transferring funds.

We recommend having a Capital Plus Current Account for your medium-sized business. This will help you manage your money safely and wisely. It also has features that make it easy to do business in a fast, secure way.

No, GST is not required to open a Capital Plus Current Account, but you do need to provide documents like your entity’s KYC and information about the people who are allowed to sign for the account. This is required to open a Capital Current Account.

A Capital Plus Current Account is specifically designed to meet the transactional needs of medium-sized businesses. It is meant to be used for financial transactions, such as depositing and withdrawing money, paying bills, and transferring funds.

This account is available to all persons eligible to open a Current Account who by maintaining a quarterly average balance of ₹50,000 can earn interest on funds lying idle in their account.

No, GST is not required to open a Flexi Current Account, but you do need to provide documents like your entity’s KYC and information about the people who are allowed to sign for the account.

Yes, all individuals eligible to open a Current Account can open a Flexi Current Account.

Cumulative Deposit can be a good option because it offers a safe, long-term investment with a predictable return. It is also relatively easy to open and manage, making it a convenient choice.

No, there is no monthly fee.

Cumulative Deposit offers customers the opportunity to earn a higher return on their savings. This scheme allows customers to deposit a certain amount of money for a fixed period of time for a fixed interest rate.

No, there is no monthly fee.

Capital Bank’s Short Term Deposits can be opened for a minimum period of 15 days.

Short Term Deposit offers a higher interest rate and is a relatively safe, low-risk investment option. It can be a good choice for those looking to save and earn interest for a short period of time.

Capital Bank’s Quarterly Interest Deposit Schemes can be opened for a minimum period of 12 months.

No, there is no monthly fee.

Capital Bank’s Quarterly Interest Deposit Scheme allows customers to earn interest on their savings on a quarterly basis. This deposit can be opened for a minimum period of 12 months and a maximum term of 120 months, without having to worry about the principal being impacted.

No, there is no monthly fee.

Capital Bank’s Monthly Interest Deposit Schemes can be opened for a minimum period of 12 months.

Monthly Interest Deposit Scheme allows you to earn interest on your savings. This deposit can be opened for a minimum period of 12 months and a maximum term of 120 months, providing a convenient option for those looking to save and earn interest over a longer term.

Under Section 80C of the Income Tax Act, it is permissible to obtain a tax exemption on a Tax Saver FD.

If the interest earned from all FD accounts exceeds INR 40,000 in a financial year, the bank is obligated to deduct Tax Deducted at Source (TDS). However, for senior citizens (60 years and above), the limit is increased to INR 50,000.

Investing in FD is a secure option with assured returns, making it a favorable financial instrument. The annual interest rate of 8% is also attractive for investors.

Capital Bank’s Recurring Deposits can be opened for a minimum period of 12 months.

No, there is no monthly fee.

Recurring Deposit allows customers to save money by depositing a fixed amount on a monthly basis. This deposit account can be opened for a minimum period of 12 months and a maximum term of 120 months.

Generally, items such as jewelry, documents, and other valuables are allowed, but items that are illegal, hazardous, or perishable are not allowed.

To access your bank locker, you will simply need to visit the bank during business hours.

You can visit the nearest Capital Bank branch or email to lead@capitalbank.co.in with your Name, Contact Number, Address & Message. One of our representatives will get in touch with you shortly.

Applying for a KCC is simple, visit the nearest Capital Bank branch, bring the required documents, and fill out the application form. Application the process is easy and hassle-free.

Any individual/HUF with a satisfactory credit history and having age less than 70 years, who owns agricultural land and is engaged in crop cultivation can avail Kisan Credit Card Limit. However, If the age of applicant is more than 65 years, co-borrower with age less than 60 years is mandatory.

Yes, up to the card's credit limit and permissible ceiling of cash withdrawal per day.

Yes, Farmers can make online transactions, including e-commerce purchases by using debit card issued with a Kisan Credit Card limit.

The credit limit for a Kisan Credit Card is determined by factors like cropping pattern, land holding, the value of security, farmer’s needs, and repayment capacity.

Kisan Credit Card is a special credit card designed to meet the financial needs of farmers. It allows farmers to access timely and adequate credit to meet their production credit needs, as well as any contingency expenses and expenses related to ancillary activities.

You must provide following documents to apply for a housing loan: Duly filled loan application. Proof of Identity and Address (Aadhar, PAN, Votor’s ID card etc.) Proof of Income (ITRs along with computation, Financial Statements, Form-16(In case of Salaried)) Documents of Title along with approved map and revenue record. Bank Account statement for last one year. Credit Bureau Report.

Yes, the housing loans are eligible for income tax benefits as per Income Tax Law (amended from time to time).

We evaluate your eligibility after considering several variables such as your monthly income, your monthly monetary obligations, the tenor of loan proposed, your age at present and your retirement age (for Salaried).

The amount of loan, the tenor of the loan, and the interest rate are among the specific factors that are considered while calculating the monthly instalment (EMI) of client.

Yes, you can apply for a Capital Bank Housing Loan even if you already have an existing home loan.

You will be required to have a stable income, a good credit history, and meet the bank’s minimum income requirement.

Housing Loan is a financial product offered to help individuals purchase or construct a new home. It provides the necessary funding to buy, build or renovate a house with ease.

You can either visit the nearest Capital Bank branch, bring the required documents and fill out the application form or apply online with an easy process.

Yes, bank provide loan for purchase of old/used vehicles as well as refinance of pre-owned vehicles subject to fulfilment of terms and conditions pertaining to age of vehicle, margin and repayment period.

Yes, you can use a Capital Bank Auto Loan for both new and used vehicles.

In a short while ranging from 1 day to 4-5 days, the bank will approve your loan, if it determines that all of the supporting documentation is legitimate and that you can afford the loan EMIs.

You'll likely need proof of income, residence, identity, quotation of vehicle to be purchased, bank account statement of last 1 year, Credit Bureau Report and other documents as per applicable rules.

The applicant is required to introduce margin ranging between 10%-25% of the Ex-Showroom price of vehicle depending upon credit history, income assessment and type of vehicle to be purchased with bank loan.

Yes, the bank offers loan for purchase of transport vehicles including Passenger transport vehicles, Commercial Carriage Vehicles including Trucks, Tippers and Buses etc. subject to assessment of credentials of the client.

With competitive interest rates and flexible loan terms, Capital Bank Auto Loans are designed to help our customers get behind the wheel of their dream car with ease.

Typically, you will need to provide financial statements, tax returns, existing bank statements, business registration documents, identity proof, address proof, proof of MSME registration and collateral-related documents. Our lending team can guide you through the document submission process.

We offer competitive interest rates across the loan products. The interest rates charged by our bank for MSME loans depend on several factors such as loan amount, repayment tenure, credit score, and collateral. Our lending team can discuss the applicable interest rates and other fees associated with the loan during the application process.

The maximum loan amount may vary depending on various factors such as your business’s financial health, creditworthiness, and repayment capacity. Our bank’s lending experts can guide you better on this.

You may qualify for a loan upto 60% of your future rent receivables.

Yes, the facility can be availed in the shape of term loan or Overdraft limit with reducing DP. The OD limit/term loan under this scheme is repayable within the initial period of the lease or maximum period of 10 years whichever is earlier.

The amount of loan shall be future cash flows of the rental income based on the monthly rent and the lease period of each lease. The amount of financing shall be 60% of the aggregate future rentals (Net of TDS) during the initial tenure of each lease subject to maximum of 120 months lease.

By obtaining a loan against your rental income, you can harness the power of your rental cash flows to your advantage. Whether it’s for personal or professional needs, you can meet your financial requirements by leveraging your rent receivables.

Yes, it is possible to transfer your existing Mortgage Loan against Property to Capital Bank. We offer attractive interest rates and flexible loan options to make the transfer process hassle-free. Contact us today to learn more about the transfer process and how we can help you save on your loan repayments.

At Capital Bank, we offer flexible loan options to suit your needs. You can choose to avail Term Loan repayable in Equated Monthly Installments (EMIs) or Overdraft Limit. You can also choose to prepay the loan anytime.

The loan amount that you can get against your property depends on various factors such as the value of your property, your income, and your credit history. Typically, LAP is upto Rs.25 lacs for rural branches (upto Rs.50 lac for other branches)

The loan against property can be availed for 10 years, however in deserving cases, the tenor can be extended up to a period of 12 years with permission of competent authority.

The maximum permissible loan amount is Rs. 50.00 lacs for Semi Urban, Urban and Metro Branches, while the ceiling is Rs. 25.00 lacs for Rural Branches.

The mortgage loan against property is a general-purpose loan that can be utilised by the client for any purpose including Education, Household needs as well as business needs.

The Gold Loans up to 1.00 can be repaid in 12 months , while loans exceeding 1.00 lac and up to 10.00 lac can be repaid up to a tenor of 36 months.

Gold Loans are generally for short-term funding and have a 6 to 36 months repayment tenure, as per the requirement of customer.

The Individuals can avail the loan under Gold loan scheme of the bank and the same can be availed against self-owned gold jewellery by the applicants.

The gold loan can be availed in the range of Rs.20.00 thousand to 10.00 lacs and same can be utilised for Household, business and agricultural purpose by the customers.

The margin requirements for gold loan are as under:- Purpose Repayment Terms Margin General Purpose In Monthly instalments 30% In Bullet payment 50% Agriculture Purpose In Monthly instalments 30%

Gold Loans have secured loans where you can pledge your 18 to 24 carats of gold ornaments as collateral to borrow money. You can use the loan amount for personal or business needs. The loan amount is to be capped at 70% of the gold value and the loan tenure is between 6 to 36 months. Gold Loans have competitive interest rates compared to other loans.

The personal loan can be repaid in 36 monthly instalments. The loan can be availed up to Rs. 1.00 lac by businessman and Self-employed, while ceiling for Salaried and Professionals ((CA’s, CS, Architects, valuers, Engineers, Business Consultants etc.) with minimum gross monthly income of Rs.20,000/-is Rs. 2.00 lacs. The Doctors (MBBS/BDS) can avail personal loan up to Rs. 5.00 lacs, subject to maximum 10 times of monthly income.

The eligibility criteria for a Personal Loan are to have a stable income, a good credit history, and meet the bank’s minimum income requirement.

Yes you can use Capital Bank personal loans for any of your personal requirements.

All Individuals such as Salaried, Self Employed, Businessman, Professionals having regular source of income and age below 65 years can avail personal loan facility from bank.

A Personal Loan is a financial product to help individuals meet various expenses such as marriage-related expenses, urgent educational or hospitalization expenses, or travel abroad. It’s a one-stop shop for fulfilling all your financial aspirations.

In India, income tax is an annual direct tax that is mandatory for every individual, firm, or company to pay to the government based on their net annual income. The income tax slab rates follow an incremental model, where higher income earners have to pay more tax. As of March 2021, individuals earning up to INR 2.5 lakh per annum are exempt from paying income tax.

After making an online tax payment using our gateway, a printable acknowledgment containing the Challan Identification number will be provided to you. You can track the status of your e-tax payment by visiting the ‘Challan Status Inquiry’ section on the NSDL e-Gov TIN website after one week from the date of payment.

To claim input tax credit, the GST law mandates that the supplier must deposit the GST and file GST returns. In essence, buyers of goods/services need to ensure that all their vendors fulfill their GST payment and return filing obligations to be eligible for input tax credit.

Taxpayers have multiple payment options, including Online (Net Banking), RTGS/NEFT, and Over the Counter (Branch).

GST is payable based on the 'transaction value.' The transaction value refers to the actual price paid or payable for the supply of goods and/or services between unrelated parties. It includes all related expenses such as packaging and commissions.

Yes, customers can make Direct Tax payments through any CSFB Branch, as all branches are equipped to accept challan submissions.

Once payment has been successfully processed, no modifications or rectifications can be made to the transaction details or challans.

It is recommended to open a Normal Current Account for your business. This will help you manage your money safely and wisely. It also has features that make it easy to do business in a fast, secure way.

No, GST is not required to open a Normal Current Account, but you do need to provide documents like your entity’s KYC and information about the people who are allowed to sign for the account. This is required to open a Normal Current Account.

A Normal Current Account is specifically designed to meet the transactional needs of businesses. It is meant to be used for financial transactions, such as depositing and withdrawing money, paying bills, and transferring funds.

We recommend having a Capital Current Account for your business. This will help you manage your money safely and wisely. It also has features that make it easy to do business in a fast, secure way.

No, GST is not required to open a Capital Current Account, but you do need to provide documents like your entity’s KYC and information about the people who are allowed to sign for the account. This is required to open a Capital Current Account.

A Capital Current Account is specifically designed to meet the transactional needs of businesses. It is meant to be used for financial transactions, such as depositing and withdrawing money, paying bills, and transferring funds.

You can avail various facilities such as free ATM withdrawals, internet banking, mobile banking, cheque books, and much more.

Yes, the eligibility criteria may vary depending on the bank’s policies. Generally, you need to be a business entity such as a partnership, limited liability company, or sole proprietorship.

You can apply for the account by visiting any of the bank’s branches or through their online banking portal. You need to provide all the required documents such as identity proof, address proof, and business registration documents.

Under Section 80C of the Income Tax Act, it is permissible to obtain a tax exemption on a Tax Saver FD.

If the interest earned from all FD accounts exceeds INR 40,000 in a financial year, the bank is obligated to deduct Tax Deducted at Source (TDS). However, for senior citizens (60 years and above), the limit is increased to INR 50,000.

Investing in FD is a secure option with assured returns, making it a favorable financial instrument. The annual interest rate of 8% is also attractive for investors.

The credit limit for a Kisan Credit Card is determined by factors like cropping pattern, land holding, the value of security, farmer’s needs, and repayment capacity.

Applying for a KCC is simple, visit the nearest Capital Bank branch, bring the required documents, and fill out the application form. Application the process is easy and hassle-free.

Kisan Credit Card is a special credit card designed to meet the financial needs of farmers. It allows farmers to access timely and adequate credit to meet their production credit needs, as well as any contingency expenses and expenses related to ancillary activities.

Typically, you will need to provide financial statements, tax returns, existing bank statements, business registration documents, identity proof, address proof, and collateral-related documents. Our lending team can guide you through the document submission process.

The interest rates charged by our bank for corporate loans depend on several factors such as loan amount, repayment tenure, credit score, and collateral. Our lending team can discuss the applicable interest rates and other fees associated with the loan during the application process.

The maximum loan amount may vary depending on various factors such as your business's financial health, creditworthiness, and repayment capacity. Our bank's lending experts can guide you better on this.

In India, income tax is an annual direct tax that is mandatory for every individual, firm, or company to pay to the government based on their net annual income. The income tax slab rates follow an incremental model, where higher income earners have to pay more tax. As of March 2021, individuals earning up to INR 2.5 lakh per annum are exempt from paying income tax.

After making an online tax payment using our gateway, a printable acknowledgment containing the Challan Identification number will be provided to you. You can track the status of your e-tax payment by visiting the ‘Challan Status Inquiry’ section on the NSDL e-Gov TIN website after one week from the date of payment.

Yes. Upon successful opening of your account, you will receive a Platinum Debit Card at the address provided for communication.

No, there is no monthly fee. You have to maintain a Minimum Average Balance of ₹10,000 per quarter.

In addition to the features offered with the Capital Savings Account, this account provides additional benefits if you maintain a slightly higher quarterly average balance.

The startup capital for a PoS business varies based on its nature, scale, and projected sales volume. For precise details on the financial outlay necessary to begin a PoS business, please reach out to us for further information.

POS systems are built with security in mind, safeguarding cardholder data with encryption and other security features.

The complexity of the system and the size of the company determine how long it takes to set up a point-of-sale system. While a more sophisticated method, which includes staff training, can take several days to set up, a basic system can be completed in a few hours.

Retail shops, restaurant chains, pharmacies, forecourts, and service-oriented businesses can all profit from implementing POS systems since they handle transactions and inventory.

Yes, a PoS can be profitable in several ways. It offers fast, safe payments and helps avoid losses. With more people liking to pay digitally, it can lead to more sales and help your business grow.

The customer pays for purchases using their payment card during a point-of-sale transaction. After the sale is authorized and the money is taken out of the customer's account, the point-of-sale terminal contacts the bank's servers to finalize the transaction.

The Point of Sale (PoS) system facilitates the acceptance of electronic payments by businesses. Transactions are processed through a secure card swipe mechanism within the PoS infrastructure. This system accommodates various card types including debit, credit, and prepaid cards. Transactions are executed swiftly, ensuring complete security and integrity of the payment process

This can be issued in favor of Government Departments, public sector undertakings, corporations, and companies, depending on the needs of the constituents.

It offers faster processing, fewer formalities, and wide acceptance, making it a convenient choice for businesses.

Bank Guarantees can serve as a one-stop solution for working capital needs, ensuring financial support for various business requirements.

A Bank Guarantee is a non-fund-based facility provided by the bank that serves as a financial guarantee on behalf of the bank's constituents.

Generally, one account per project is required unless special approval is obtained from the RERA Authority. This implies that for different phases of the same project, separate RERA accounts are not typically opened unless explicitly permitted.

All the money collected for a real estate project is split daily in a 30:70 ratio. 30% of the funds go to the Operations Account for regular project expenses, and 70% to the RERA Account, which is used for specific project-related expenditures under regulated conditions.

RERA Certificate is provided by RERA Authorities.

All commercial and residential real estate projects where total area to be developed exceeds 500 sq mtr or more than 8 apartments is proposed to be developed in any phase needs to get themselves registered with their respective State’s RERA which aims at protection of stakeholder’s interest and creating strong grievance redressal system.

If you experience any problems or discrepancies with a bill payment, kindly reach out to our bank's customer support for prompt assistance.

Currently, no charges are imposed for bill payments made through BBPS.

BBPS services are accessible 24 hours a day, seven days a week, throughout the year, including all public holidays. However, please note that at AU Small Finance Bank branches, BBPS services are available only during banking hours.

You can access your transaction history by navigating to the "Transaction History" option within the bill payment menu on CSFB Internet Banking or our website.

BBPS offers a comprehensive range of bill categories, including utility bills (electricity, water, gas), telecom bills, DTH and broadband bills, insurance premiums, and more.

BBPS, or the Bharat Bill Payment System, is an RBI-mandated platform that ensures secure, reliable, and unified bill payment services to customers nationwide.

e-Hub reduces overhead by automating fee collection processes, minimizing the need for manual intervention, and optimizing resource utilization.

e-Hub offers customization options to align with the unique fee structures and requirements of individual educational institutions for optimal flexibility.

The Payment Gateway ensures secure online transactions with robust encryption and follows industry standards for data protection.

The e-Hub system provides a Management Information System (MIS) for insights into bounced cheques, ensuring efficient management.

Yes, late fees can be easily deposited at the bank counters of the Parent branch through the e-Hub Education Solutions.

e-Hub is an innovative platform by Capital Small Finance Bank, streamlining fee collection processes for educational institutions.

The MTSS offers benefits like fast turnaround times, same-day credit to the beneficiary’s account upon fund receipt, and seamless transfers due to partnerships with various financial institutions

Under the MTSS, the maximum amount that can be sent or received in a single transaction is USD 2500.

The Money Transfer Service Scheme (MTSS) at Capital Small Finance Bank is a service for seamless inward and outward remittances, offering a fast and secure way to transfer money. It allows individuals to send or receive up to USD 2500 per transaction, primarily for personal purposes.

Yes, CSFB's digital platforms offer 24/7 accessibility, allowing you to transfer money at your convenience anytime, anywhere.

The fund transfer service provides fast, secure, and immediate money transfers using various payment modes, allowing customers to transfer money worldwide with ease and enjoy 24/7 accessibility.

RTGS offers instant, secure fund transfers with real-time precision, making it ideal for high-value and interbank transactions.

Fund transfer is the electronic movement of money from one bank account to another, using services like NEFT, RTGS, IMPS, UPI, or international transfers.

To update your contact details, visit a branch or contact customer support. Valid identification and required forms may be necessary.

If you encounter technical difficulties, clear your browser cache or try an alternative browser. If issues persist, contact our technical support.

CSFB implements robust security measures, including two-factor authentication, encryption, and regular security audits, to safeguard your Net Banking account.

Contact our customer support immediately if you detect unauthorized or suspicious activity on your account. We'll assist in securing your account and conducting an investigation.

Yes, Net Banking is secure. We employ advanced encryption and security measures to safeguard data and transactions. Maintaining the confidentiality of login credentials and updating passwords regularly is essential.

To reset your Net Banking password, select "Forgot Password" or "Reset Password" on the login page. Follow the prompts to enter your account details and complete the password reset process.

Net Banking, or online or Internet banking, enables users to perform various banking tasks online, providing a convenient means to manage accounts, make payments, and conduct financial transactions.

Doorstep Banking is designed to offer a fast turnaround time, ensuring that you have access to your cash in the shortest possible time after making a request.

Doorstep Banking prioritizes the safety and security of transactions by implementing strict security measures for cash delivery, ensuring that you can receive your money risk-free without having to step out of your home.

Nominal Charges are there for Doorstep Banking.

This service is particularly beneficial for individuals over the age of 70, those with disabilities, or anyone who prefers the safety and convenience of having cash delivered directly to them.

Doorstep Banking is a service that delivers cash directly to your home, enabling secure and convenient access to your funds without the need to visit a bank or ATM.

Our Payment Gateway supports Visa, Mastercard, RuPay, NetBanking, and UPI, offering a wide range of options for convenient and flexible online transactions.

Yes, our Payment Gateway is designed for user-friendly integration. It allows you to integrate payment buttons on your site easily for transactions, supporting a seamless purchasing experience for your customers.

Yes, our Payment Gateway offers flexible options for one-click recurring payments, making it easier for businesses to manage subscriptions and other recurring revenue models.

Payment Gateway Services can significantly enhance a business by enabling the acceptance of various payment methods, thereby expanding its customer base and online revenue. They offer a seamless user experience, fast transactions, and reliable uptime, which are essential for business growth in the digital market.

Payment Gateway Services provide a secure and robust framework for businesses to accept payments and manage online transactions. It supports diverse payment channels like Net Banking, Credit/Debit Cards, or UPI, enhancing the ease of online transactions for acquiring and distributing goods and services.