Capital Gold – Fast, Secure & RBI-Compliant Gold Lending
About Capital Gold Loans
Capital Gold Loans is a finance app developed by Capital Trust Ltd..
Download Statistics
Capital Gold Loans has been downloaded 640 times. In the last 30 days, the app was downloaded 140 times.
User Ratings
The app has no ratings yet.
App Information
Capital Gold Loans is FREE to download. The APK download size is 52.10 MB. The latest version available is 18.0. The last update was on June 2, 2026.
Technical Requirements
The app has a content rating of Everyone. The app has been available on Google Play November 2025.
Description
Capital Gold – Fast, Secure & RBI-Compliant Gold Lending
Get quick, transparent, and RBI-aligned gold loans with Capital Gold, powered by Capital Trust Limited (CTL), a 40-year-old, publicly listed NBFC registered with the Reserve Bank of India (Registration No. B-12.03203).
Capital Gold offers a branch-led, secured gold loan journey — simple, transparent, and paper-light.
Gold valuation, pledge, sanction, and disbursal are conducted only at authorized CTL branches.
🌟 Why Choose Capital Gold 🏦 RBI-Compliant Gold Lending
Operations follow applicable RBI guidelines for NBFC gold lending, including KYC/AML norms, LTV limits, valuation standards, margin call processes, and transparent customer communication practices.
💬 Real Customer Support
Access in-app assistance and phone support. Receive timely reminders for interest payments, renewals, releases, and important loan updates.
🔗 Branch-Led, Tech-Enabled
Upload documents, complete preliminary KYC, e-sign agreements (where applicable), and schedule branch visits — all within one secure app.
💸 Transparent Charges
No hidden fees. Interest rates, processing charges, taxes, and repayment details are clearly disclosed in the Key Fact Statement (KFS) before confirmation.
🔒 Safe Gold Custody
• Standardized gold assay and valuation • CCTV-monitored branch processing • Dual-control vault storage • Insured custody with full audit trails
📱 What You Can Do
✔ Apply for a gold loan ✔ Complete digital KYC and book branch appointments ✔ Track loan status from valuation to disbursal ✔ View sanctioned gold value and eligible LTV (post branch assessment) ✔ Pay interest or part-pay anytime via UPI/net banking ✔ Request renewal or release (as per policy) ✔ Download loan statements and receipts ✔ Use calculators to estimate repayment
👥 Who Can Use This App
For individuals, families, traders, shopkeepers, and MSMEs seeking short-term liquidity through secured gold loans.
Loan eligibility and approval are subject to due diligence, branch policy, and applicable RBI regulations.
Total Interest (12 months at 14%): ₹42,000 Total Repayable: ₹3,42,531
Actual interest rate, APR, tenure, and fees depend on product variant, branch policy, and borrower profile. Final terms are disclosed in the sanction letter and KFS before acceptance.
🛡️ RBI-First Compliance
• Digital KYC & AML verification • Sanctions within RBI-prescribed LTV norms • Structured margin-call communication • Transparent auction procedures (if applicable) • In-app grievance redressal access
🔐 Security & Privacy
Customer data is encrypted and handled in compliance with regulatory requirements. Gold is stored under insured dual-control custody. Capital Trust Limited does not share personal data except as required by law.
Important Disclosure
Capital Gold is a branch-based gold loan facilitation application. Physical gold pledge at authorized branches is mandatory for loan sanction and disbursal.
This app does not provide unsecured or instant digital loans.
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Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
