Why Capital Small Finance Bank is a Solid Choice for Home Loans?
Capital Small Finance Bank home loan interest rate gives you the best of both
worlds: the speed and tech of a modern lender, and the personal touch you want when getting a
loan. What makes them good? They have reasonable fixed and flexible interest rates, minimum
paperwork, and are honest about their fees—no hidden charges policy. They make getting a home
loan fast and easy. Local experts know what people in your area need, offer support throughout
the process, and have options whether you are salaried or self-employed. Plus, women get even
better rates, showing they are serious about fair lending.
Capital Small Finance Bank Home Loans
We have got a multiple bunch of home loan options to help you out, no matter what stage you are
at:
Home Purchase Loan: Get funds to buy a new or used property.
Home Construction Loan: Loans to construct a home on your own
land.
Home Renovation/Repair: Money for home improvement projects.
Balance Transfer: Move your current home loan to us for better
deals.
Top-Up Loan: Borrow extra money on top of your existing Capital
Small Finance Bank home loan.
You can get loan terms for up to 30 years, and amounts will depend on the property
value and what you can pay back.
Capital Small Finance Bank Home Loan Interest Rates
| Applicant & Loan Slab |
Interest Rate (p.a.) |
Processing Fee |
Max Tenure |
| Salaried—up to ₹25L |
9.25% p.a. upwards |
0.5% of the loan amount |
Up to 30 years |
| Salaried—₹25L–75L |
9.25–12.0% p.a. |
0.5% of the loan amount |
Up to 30 years |
| Salaried—above ₹75L |
Starts at 9.25%+ |
0.5% of the loan amount |
Up to 30 years |
| Self-employed |
Slightly higher rates |
0.5% of the loan amount |
Up to 30 years |
Home loan rates at Capital Small Finance Bank property loan for start at 8.40–9.25% for
top-tier salaried folks, but the exact rate depends on your situation, loan size, and credit
score. Women and first-time buyers might get even better deals. Keep in mind that the rates can
change monthly since they are floating.
Good news - you can pay off your floating-rate loan early without any extra charges. Plus, you
can stretch your loan up to 30 years to keep your monthly payments manageable. The bank will
also tell you about all the fees upfront, like processing and paperwork costs, so there are no
surprises.
Processing Fees and Eligibility Criteria
Processing Fees
It's 0.5% of the loan. This is a one-time charge when your loan is approved. No
hidden fees! We will clearly spell out the costs for paperwork, legal stuff, and property
checks. Stamp duty and registration are based on whatever the state says.
Who's Eligible -
Age: You need to be between 21 and 65 (when the loan ends).
Income: If you are employed, you need to make at least ₹25,000 a
month. If you are self-employed, it's ₹25,000 per year.
Credit Score: We like to see 600 or higher, but 750+ is even
better.
Job situation: If you have a salary, we need at least a year of
experience. If you are running your own business, it should have been going for at least 3
years.
Co-applicants: Think about adding someone to your application
(like a spouse, or family who depends on you). It could improve the odds of getting approved.
Loan-to-Value: We can loan up to 75% of what the property is
worth.
What you need to apply as a Capital small finance bank Home Loan Partner?
- Completed application with photos.
- ID: Aadhaar, PAN, Passport, or Voter ID.
- Address Proof: Bank statement, Aadhaar, or a utility bill.
Income Information -
Salaried: Last 3 months of pay slips, Form 16, recent bank
statements, and your job offer letter.
Self-Employed: Income tax returns for the last 3 years, balance
sheets, profit/loss statements, and business registration.
Property Info: Title deed, approved building plan/map, sale
agreement, and property tax records.
Other things: Bank statement (last year) and a credit report.
Tip: Having all your paperwork in order makes the approval
process quick and easy.
Getting a Capital Small Finance Bank Home Loan Through TyTil :
Simple Steps
Applying for a Capital Small Finance Bank home loan is super easy with TyTil . Here's
how:
Go to TyTil : Choose Capital Small Finance Bank from the list of loan
providers.
Check Out Loan Options: Quickly see rates, what each loan offers, and
how long approval takes.
Apply Online: Fill in your info and what you're looking for in a loan
on the online form.
Upload Docs: Safely upload all the necessary documents.
Get Personalized Guidance: TyTil advisors help you understand if you
qualify, what paperwork you need, and chat with the bank.
Track Your Application: Get updates as things move along. No need to
call the bank!
Benefits: Things move faster, it’s all online, better comparisons,
expert advice, and sometimes there are special deals or faster processing just for TyTil users.
Capital Small Finance Bank Home Loan Features and Benefits :
- Great rates, especially for women.
- Pay it off over up to 30 years – makes payments easy.
- No fees to pay your loan off early (if your rate changes with the market).
- We will help you every step of the way, from beginning to end.
- No hidden fees – what you see is what you get.
- Real people nearby ready to help, not just paperwork pushers.
- Open to employees, professionals, and self-employed people.
- Easy online process with TyTil saves you time and stress.
- Need more credit or want to refinance? We have got options.