Future Capital Gold Loan

Future Capital Gold Loan Key Features – Apply Now

Future Capital Gold Loan Interest Rate	7.25% per annum
Future Capital Gold Loan Rate Per Gram	The rate Per Gram is ₹ 3,800 to ₹ 4,350
Future Capital Gold Loan Processing Fee	1.0% of the Principal Loan Amount
Future Capital Gold Loan Amount	Up to Rs. 1 Crore (With Income Proof)
Future Capital Gold Loan Prepayment Charges	2%+GST (Within 3 Months), 0 (After 3 months)
Future Capital Gold Loan Repayment Tenure	Up to 12 Months
Future Capital Gold Loan Repayment Scheme	Bullet Payment Scheme, Overdraft Scheme

Future Capital Bank issues a Gold Loan per gram rate of ₹ 3,800 to ₹ 4,350 in line with the current gold rate. The best Future Bank Gold Loan Rate per gram is ₹ 3,800 to ₹ 4,350 for 22 Carat gold, measured at a maximum 75% loan to value, and the average gold price for the last one month for 22-carat is ₹ 3,800 to ₹ 4,350.

Future Capital Gold Loan Explanation

Future Capital gold credit can be profited to meet an earnest requirement for money by vowing one’s gold adornments or gold coins as security. A Gold credit is one of the snappiest and simplest methods of acquiring cash and can be profited by any current client of the Future Capital just as new borrowers. With Future Capital, you won’t just profit from the gold advance effectively however it will likewise be at a serious loan cost.

Future Capital Bank Comparison With Other Banks

Particulars	Future Capital Bank	SBI	HDFC Bank
Interest Rate	7.25% per annum	7.50% – 7.50%	9.90% – 17.55%
Processing Fees	Up to 0.85% of the loan amount	0.50% of the loan amount	1.50% of the loan amount
Loan Tenure	3 months to 60 months	3 months to 36 months	3 months to 24 months
Loan Amount	Up to Rs. 1 Crore	₹ 20,000 to ₹ 20 Lakh	₹ 25,000 to ₹ 50 Lakh
Foreclosure Charges	Up to 0.05% of the outstanding amount	Nil	Nil after 3 months
Repayment Options	Y	Y	Y
Lowest EMI Per Lakh	₹ 2,801 to ₹ 3,424	₹ 3,111 per lakh	₹ 4,610 per lakh

Tips To Get Gold Loan From Future Capital Bank Fast

• Future Capital perceives both hallmarked and non-hallmarked embellishments for getting a gold turn of events. In any case, you can get the most raised gold credit per gram for brand name designs, as it lessens the odds of under-valuation by the valuer. In, several banks charge lower arranging costs on hallmarked gold jewels.
• Future Capital changes the cost of 22-carat gold for the flawlessness of gold. In this manner, dependably attempt to get against higher nobility enrichments as it will present to you the most raised aggregate for the gold turn of events.
• Future Capital will enlist the net pile of pearls to find the extent of advance against the gold you can get. Continually, attempt to pick embellishments that have the least pearls and stones. A gigantic piece of the banks will decrease the generosity of pearls and stones from an all-out store of embellishments. Future Capital Bank will depend upon the report of its gold valuer to calculate the net weight.
• Higher the generosity of pearls and stones in improvements, cut down the net weight and appraisal of jewels which accomplishes the lower extent of jewel advance you can get Further, Future Capital won’t perceive diamond gems if the gold utilized is under 18-carat impeccability. By a long shot the vast majority of the significant stone beautifications are made in 16 carats to 18-carat gold and subsequently, will accomplish low gold advancement per gram.
• Steadily attempt to get the best LTV on the appraisal of gold. Future Capital is permitted by RBI to charge a most unbelievable LTV of up to 85% to deal with the extent of gold credit you are prepared for.

Advantages Of Future Capital Gold Loan

• Flexible loan amount: An individual can avail of loans up to Rs. 10 lacs with Future Capital.
• Customized repayment options are available such as EMI instalments and Bullet Payments, allowing the borrower to choose the right deal for himself.
• Flexible tenure: The borrower can avail of the loan for a period of up to 12 months. Upon request, the tenure can be extended to 36 months.
• Fast Disbursal: The loan gets disbursed right into your account within a few hours of applying for the loan online.
• Foreclosure: Future Capital Bank empowers a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

How Much Gold Loan Can I Get Through Future Capital Gold Loan?

According to the latest gold prices, Future Capital Bank is offering gold loans per gram is Rs. 4,621. The highest Future Capital Bank gold loan rate per gram today is ₹ 3,800 to ₹ 4,350 for 24-carat jewellery calculated at a maximum LTV of 75% and average gold loan prices of the last 30 days in 2021 are ₹ 5,121 of 22 carats.

Future Capital Bank Gold Loan Per Gram– Dec 21 2024

Updated - Gold Loan Per Gram Rate w.e.f Dec 21 2024
Gold Weight	Gold Purity 24 Carat	Gold Purity 22 Carat	Gold Purity 20 Carat	Gold Purity 18 Carat
1 gram	4621	4290	3900	3510
10 gram	46210	42900	39000	35100
20 gram	93600	85800	78000	70200
30 gram	140400	128700	117000	105300
40 gram	187200	171600	156000	140400
50 gram	234000	214500	195000	175500
100 gram	468000	429000	390000	351000
200 gram	936000	858000	780000	702000
300 gram	1404000	1287000	1170000	1053000
400 gram	1872000	1716000	1560000	1404000
500 gram	2340000	2145000	1950000	1755000

All About Future Capital Gold Loan

Future Capital Bank is a provider of various services and products in the financial market. It is an NBFC that has a record of consistent profitability and growth. The company is fast becoming the leader in the market for providing loans to the people. It provides an Instant Loan against Gold. Gold Loan is basically taken to overcome the short term requirements of a person.

• Future Capital Gold Loan Interest Rate is 7.25% per annum
• Future Capital Gold Loan Rate Per Gram Rate is ₹ 3,800 to ₹ 4,350
• Future Capital Bank Gold Loan Tenure: Up to 12 months
• Future Capital Bank Gold Loan Processing Fee is Up to 1.0% of the Loan Amount + GST

What Is A Gold loan?

Gold is the most expensive and precious metal in India. Its importance in our lives cannot be ignored because every person is attached to it emotionally. However, what is the purpose of gripping your gold in a secret drawer when it can serve you in times of difficulty? Taking a Gold loan can support you to defeat any extreme circumstances. Gold Loan is the most reliable way to get cash in the short term.

Future Capital Gold Loan Eligibility

The eligibility criteria to avail of a loan against gold with Future Capital is as follows:

Age	For Salaried Individuals: 21 – 60 years For Self Employed Individuals: 21 – 75 years
Carat Range of Gold	18 – 24
Tenure of the loan	6 months to 12 months
EMI Option	Loan Duration can be extended to 36 months

Future Capital Bank Gold Loan At Home

With the changing requirements of the times, Future Capital Bank has devised a simple yet effective solution that will simplify your life. Just as you can get groceries, clothes, and other necessities delivered to your door, you can now acquire a gold loan from the comfort of your own home.

Future Capital Gold Loan At Home is a one-step option if you are in urgent need of finances, are too busy to visit a bank, or prefer social distancing. The procedure is simple to follow. To apply for a gold loan, you must first contact us by phone. Our executive from the nearest branch will pay you a visit as soon as possible.

Following are some of the benefits of Future Capital Gold Loan At Home:

• Faster processing
• Attractive interest rates
• Maximum value of gold
• Flexible repay tenures
• Easy payment options
• No additional charges
• 24*7 customer support
• Full security of the gold
• No hidden fees
• Service at your doorstep within 30 minutes

Future Capital Gold Loan Documents Required

The documents required to avail of a loan against gold with Future Capital are as follows:

Identity Proof	Aadhar Card/Pan Card/ Passport/ Voter ID
Residence Proof	Aadhar Card /Pan Card/ Ration Card/ Utility Bills on the name of the applicant/ Rental Agreement of applicant/ Voter ID card.
Agriculture Proof ( only if applicable)	Agriculture Land Ownership Proof
Photographs	2 Passport sized coloured

Future Capital Gold Loan Interest Rate, Fees, and Charges

Future Capital Bank Gold Loan Interest Rate	7.25% per annum
Processing Fee	1.0% of the Principal Loan Amount
Prepayment/Foreclosure Charges	2%+GST (Within 3 Months), 0 (After 3 months)
Valuation Fee	Rs 250 for a loan up to Rs 1.5 lacs and Rs 500 for a loan over and above Rs 1.5 lacs
Late Repayment Charges	2% p.a. + Applicable rate of interest.
Renewal Processing Fees	Rs 350 + GST

Types Of Future Capital Gold Loan Repayments

• EMI Facility: The most widely used repayment technique is the EMI option in which a part of the principal amount and interest rates are paid every month by the borrower using various modes like demand drafts, cheques, etc.
• Bullet Repayment: Unlike the EMI option, in bullet repayment, the borrower is required to pay only the interest rates every month while the principal amount is paid at the end of the tenure.

Future Capital Gold Loan Apply Online

The process to apply online is easy with Dialabank. Just follow the easy steps mentioned below to get an instant loan against gold:

• Visit Dialabank website.
• Fill the form available with your personal details and your loan requirements.
• Click on Request a Quote.
• Wait as our relationship manager will soon get in touch with you over your provided contact number.

Future Capital Gold Loan EMI Calculator

Rate of Interest	6 months	1 Yr	2 Yrs	3 Yrs
7.00%	17008	8652	4477	3088
8.00%	17058	8699	4523	3134
8.50%	17082	8722	4546	3157
9.00%	17107	8745	4568	3180
9.50%	17131	8678	4591	3203
10.00%	17156	8791	4614	3227
10.50%	17181	8815	4637	3250
11.00%	17205	8838	4661	3274
11.50%	17230	8861	4684	3298
12.00%	17254	8885	4707	3321
12.50%	17279	8908	4731	3345
13.00%	17304	8932	4754	3369
13.50%	17329	8955	4778	3393
14.00%	17354	8979	4801	3418
14.50%	17378	9002	4825	3442
15.00%	17403	9026	4845	3466

How To Pay Future Capital Gold Loan EMI

Your HDFC Bank gold advance can be reimbursed in the following three different ways.

1. Standing Instruction (SI): This is a technique to favour the existing customers of Future Capita who already have an account with it. In such cases, the loan amount can be debited every month automatically from the bank account.
2. Electronic Clearing Service (ECS): In case the borrower does not have an account with Future Capital he/she may avail of the ECS system.

Future Capital Gold Loan Contact Number

For any assistance regarding a loan against gold with Future Capital, you may contact our relationship manager on the number 9878981144.

Gold Ornaments Accepted By Future Capital Gold Loan

Future Capital accepts only the following gold ornaments:

• Gold jewellery of 18 carats to 22 carats.
• Minted coins are not accepted by Future Capital.
• The applicant should have a minimum of 10 grams of Gold to get a loan against gold.

Use Of Future Capital Gold Loan

1. Faster processing – Gold loans get instant approval and disbursal owing to the fact that they are secured loans and thus do not require any harsh eligibility criteria requirements and documentation.
2. Lower interest rate – As your gold ornaments are already held with the banks the rate of interest for gold loans is comparatively very low.
3. Multipurpose – The loan amount availed against gold ornaments can be used for numerous purposes like funding a vacation, covering marriage expenses, paying off medical bills, etc.
4. Business Purpose- You can also use the Future Capital Bank gold loan for all your business needs, such as buying raw materials, expanding business, etc.

Future Capital Agricultural Jewel Loan Scheme

Scheme	Future Capital Agricultural Jewel Loan Scheme
Interest Rate	Starting from 7.25% per annum (depends on the sum of the loan
Least amount of Loan	Depends on the value of  jewel which is being kept as security
Loan period	Adjustment of advance sum inside 2 months from the date of reap of yields

Benefits Of Future Capital Agricultural Jewel Loan Scheme

• There is no planning cost is proper up to ₹ 25,000.
• 0.30% of the credit entirety, Minimum of ₹ 300 charge is material to the total going from above ₹  25,000 – not actually ₹ 5 lakh.
• 0.28% of the credit total, subject to at any rate Rs.1,500 is appropriate to the aggregate more than Rs.5 lakh in any case under Rs.1 crore.

Future Capital Gold Loan Overdraft Scheme

Future Capital offers an Overdraft Scheme. With this, you are given a development aggregate as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at whatever point wherever. The overall development entirety will have a Credit/Loan Limit. In the Future Capital Gold Loan Overdraft office, the bank charges income simply on the total you pull out/use.

Future Capital Bank Gold Loan Highlights

Age	18 – 70 years
Minimum Loan Amount	Rs. 1000
Maximum Loan Amount	Rs. 1 Crore
Future Capital Bank Gold Loan Interest Rate	7.25% per annum
Loan Tenure	From 3 months to 60 months
Gold Items accepted	Jewelry and gold coins sold by banks
Future Capital Bank Gold Loan Processing Charges	0.85% of the loan amount

How Does Future Capital Bank Work, Here’s An Example

The suitability of the loan is determined on the basis of the purity of gold, LTV, and the weight of gold. Suppose Mr A and his two friends Mr B and Mr C have different gold values ​​for different purity. Mr A has 50 grams of gold per 22-carat purity. Mr B has 60 grams of gold in 20 carats of purity and Mr C has 70 grams of gold in purity or 22 carats. They approached the Future Capital Bank to get a gold loan. The price used to calculate the suitability of their gold loan according to the high 85% LTV will vary with the purity of the gold and therefore, will lead to the validity of the gold loan.

FAQs For Future Capital Gold Loan

✅ What is Future Capital Gold Loan?

Future Capital Gold Loan is a loan product that allows you to get a loan by submitting your Gold as collateral security with the bank. Depending on the ornament’s purity and weight the ultimate loan amount is disbursed.

✅ How Can I Get Gold Loan From Future Capital?

Just fill a form online on the Dialabank website and request a quote. Our relationship manager will help you get the best offers with Future Capital at high LTV. 

✅How much Gold Loan Can I get per gram from Future Capital?

Future Capital offers Gold Loan on gold ornaments with a purity between 18K and 24K.  The per gram gold loan amount in Future Capital is₹ 3,800 to ₹ 4,350.

✅ How Does Future Capital Gold Loan work?

Provided that you have the necessary documents and gold ornaments you can directly visit the branch near you to avail gold loan of any value between ₹10000 and ₹10 lakhs instantly. The bank will keep your ornaments as collateral.

✅ What is the Gold Loan interest rate in Future Capital?

Today’s Gold Loan interest rates in Future Capital start at 7.25% per annum. This rate varies depending on several factors such as loan amount, customer relationship, etc.

✅ How to check gold loan status in Future Capital?

To check the gold loan status in Future Capital, you can either call up the bank, visit its branch, or log in to its website. Once you fill up your details, you can track your gold loan application.

✅ How to calculate gold loan interest in Future Capital?

You can calculate the gold loan interest in the Future Capital rate by subtracting the principal (which you applied for) from the amount (which you have to repay).

✅ What is the maximum gold loan amount I can avail of on a gold loan from Future Capital?

You can avail of a maximum gold loan amount of Rs 10 lakhs from Future Capital and up to 70% of the gold jewelry’s value. This percentage may increase if you have a very good CIBIL score.

✅ What is the Future Capital gold loan tenure?

The loan tenure of Future Capital gold loan is 12 months, post which renewal can be opted for. For renewal, you will have to provide your application details to the bank and then pay a small renewal fee.

✅How much processing fee is applicable to the Future Capital Gold loan?

The standard processing fee applicable to the Future Capital gold loan is around 1% of the loan amount. Banks take processing fees to process your loan and disburse it as soon as possible.

✅ What are the charges for pre-payment in the Future Capital gold loan?

The charges of prepayment in the Future Capital gold loan is around 1% of the loan amount. When you pay a part of your outstanding loan amount before the tenure ends, it is known as prepayment.

✅ How to renew Future Capital Gold Loan online?

You can contact our relationship manager and can renew your Future Capital gold loan online anytime. For renewal, you will have to pay a small fee and fill a form. Your gold will be valued again, and your loan details may vary on the basis of the prices.

✅ How to pay Future Capital Gold loan interest online?

Future Capital provides convenient online payment options for your Gold Loan repayment. You can simply visit their online portal and make your loan payments through various modes like net banking, debit cards, or through the i-mobile app.

✅ What if I can’t pay the interest on the Future Capital Gold loan for 3 months?

If you can’t pay the interest on Future Capital for as long as three months, you will be charged a penalty and served a legal notice from the bank. After that, your ornaments will be surrendered and you might be included in the CIBIL defaulter’s list.

✅ How can I apply for the EMI moratorium on the Future Capital Gold loan?

You can apply for a moratorium through the i-mobile app or by visiting the bank branch personally. You have the option to apply only 5 days before you have to pay your EMI.

✅ How to pay the Future Capital Gold loan through a credit card?

You can’t pay Future Capital Gold Loan through a credit card. You can do so through a debit card, demand drafts, cash, cheques, online transactions, or even PayTM.

✅ What is an overdraft scheme for Future Capital Gold Loan?

Future Capital offers an Overdraft Scheme. With this, you are given a development aggregate as an overdraft office. It works like a Credit Card, where you can spend your Gold Loan Amount as you need at whatever point wherever. The overall development entirety will have a Credit/Loan Limit. In the Future Capital Gold Loan Overdraft office, the bank charges income simply on the total you pull out/use.

✅ What is the customer care number for Future Capital Gold Loan?

 Call at 9878981144 for any query.

✅ What is the foreclosure procedure for Future Capital Gold Loan?

Future Capital Bank empowers a borrower to .50% on the key excellent if there should be an event of a Gold Loan Foreclosure.

✅ What are Future Capital Gold Loan Preclosure charges?

The Bank preclosure charges are 2%+GST (Within 3 Months) and 0 (After 3 months).

✅ What is the maximum gold loan tenure?

The maximum gold loan tenure is 36 months.

✅ What is the minimum gold loan tenure?

The minimum gold loan tenure is 6 months.

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