Capital Small Finance Bank Ltd, previously Capital Local Area Bank, began in 2016. With over 165 branches in states like Rajasthan, Haryana, and Himachal Pradesh, it offers diverse products including deposits, loans, and digital banking, serving customer needs comprehensively.
Different Types of Products and Services Provided by Capital Small Finance Bank
Capital Small Finance Bank Ltd provides the following products and services
- Capital Finance Bank Deposits
- Capital Finance Bank Loans
- Capital Finance Banking Services
- Capital Finance Bank Insurance
- Capital Finance Bank Cards
Capital Small Finance Bank Deposit Accounts
You can open various types of deposit accounts at Capital Small Finance Bank as per your needs.
Savings Account
A savings account is one of the basic accounts you can open with the bank. Savings accounts are meant for the safekeeping of your funds. You can withdraw the funds whenever you need. Otherwise, it is safe with the bank.
| Type of Account | Specific Features | Common Features |
| Normal Savings Account | Minimum balance: Rs. 100 without cheque book and Rs. 300 with cheque book at rural areas. Rs. 300 without cheque book and Rs 500 with cheque book in Semi-urban/Urban areasCash withdrawal and deposit up to Rs. 25000 per day permitted at other branches other than base branch | Individuals over 18 years, parents/guardians on behalf of minors, Societies and Charitable Institutions that comply with KYC norms can open an account. Cheque book facility availableRuPay Debit card for POS and online transactions will be issuedCapital Finance Bank Net Banking Capital Finance Net Banking, Mobile Banking and SMS Banking will be providedInterest at 3.50% will be appliedRemittance through NEFT/RTGS |
| Capital Savings Account | Minimum balance: Rs. 1000. Senior citizens with an overall deposit of Rs. 2.50 lacs are exemptedFree cash withdrawal and deposit at any CSFB branch other than the parent branch up to Rs. 1.00 lac | |
| Capital Saver Savings Account | Minimum balance: Rs. 1000. Senior citizens with an overall deposit of Rs. 2.50 lacs are exemptedFree cash withdrawal and deposit at any CSFB branch other than the parent branch up to Rs. 2.00 lacPersonal accident insurance cover for the first holder for the first year up to Rs. 1.00 lac | |
| Capital Super Saver Savings Account | Minimum balance: Rs. 1000. Senior citizens with an overall deposit of Rs. 2.50 lacs are exemptedFree cash withdrawal and deposit at any CSFB branch other than the parent branch up to Rs. 5.00 lacsPersonal accident insurance cover for the first holder for the first year up to Rs. 1.00 lacNo charges for stop payment request | |
| Basic Savings Bank Account | Reduced KYC normsZero-balance accountNo folio chargesNo other benefits | |
| NRE Account | ATM debit cards providedSMS BankingPayable at par cheque facilityCash deposits and withdrawals up to Rs. 100000/- per day permitted at branches other than the parent branch without any chargeFunds transfer through NEFT/RTGS and SwiftThe minimum balance stipulated is Rs. 1000 | |
| NRO Account | ||
Current Accounts
Current Accounts can be opened by resident individuals, Hindu Undivided Families, Sole Proprietorship and Partnership Firms, Public/Private Limited Companies, Trust, Associations, Clubs, and Societies. The different types of accounts under this category are:
| Type of Account | Specific Features | Common Features |
| Normal Current Account | Internet BankingFree NEFT/RTGS facilityMinimum Balance: Rs. 10000 in rural areas and Rs. 2000 in Urban/Semi Urban areasFree Cash withdrawal and deposits up to Rs. 25000/- per day in all CSFB branches other than parent branch | NA |
| Capital Current Account | Free cash withdrawal and deposits up to Rs. 1.00 lac /- per day in all CSFB branches other than parent branchQuarterly Average Balance: Rs. 7500 in rural areas and Rs. 10000/- in semi-urban and urban areas | Capital Finance Net Banking and SMS BankingRuPay Debit Card providedFunds transfer through NEFT/RTGS |
| Capital Plus Current Account | Minimum Quarterly Average Balance: Rs. 50000No folio chargesFree cash withdrawal and deposits up to Rs. 2.00 lacs- in all CSFB branches other than parent branch | |
| Capital Premium Current Account | Minimum Quarterly Average Balance: Rs. 1.00 lacPayable at par cheque book facilityNo cheque book chargesNo stop payment chargesNo folio charges | |
| Flexi Current Account | Minimum Quarterly Average Balance: Rs. 50000No folio chargesAuto Sweep to Fixed Deposit beyond threshold limit of Rs. 75000. FD period 90 daysAmount withdrawn from Fixed Deposit when requiredTax deducted at sourceFree cash withdrawal and deposits up to Rs. 2.00 lacs- in all CSFB branches other than parent branch | |
| NRE Current Account | For NRIs onlyPayable at par Cheque bookMinimum Balance: Rs. 2000Free cash withdrawal and deposits up to Rs. 25000 per day lacs- in all CSFB branches other than parent branch | NA |
| NRO Current Account | ||
| NRE Capital Current Account | For NRIs onlyMinimum QAB: Rs. 10,000Payable at par cheque bookSMS and Internet BankingFree cash withdrawal and deposits up to Rs. 100 lacs per day- in all CSFB branches other than parent branch | NA |
| NRO Capital Current Account | NA |
Capital Small Finance Bank Cards
The Capital Small Finance Bank provides RuPay Debit Cards that can be used to withdraw cash at ATMs and for POS transactions as well as online transactions. The bank issues credit cards under the General Credit Card Scheme. Individuals who have a regular income source will be provided with a credit card with a purchase limit of Rs. 25,000/- provided they have the repayment capacity
Capital Small Finance Bank Loans
The bank has a dedicated loan scheme for the various requirements of its customers. They are as mentioned in the list given below:
| Type of Loan | Features |
| Housing Loan | For the purchase/construction of a house, the purchase of flats, extension and renovation of the existing propertyLoan Amount: Depends on project cost and repayment capacitySecurity: EMT of asset created |
| Auto Loans | For the purchase of two-wheelers and four-wheelersSecurity: Hypothecation of the vehicleAmount: Depends on the value of purchase and repayment capacity |
| SME loans | For traders/manufacturers/service enterprises under SME category with a good financial backgroundAmount: Need-based |
| Kisan Credit Card | For short-term requirements of farmers owning agricultural landAmount: Depends on cropping pattern, landholding, and security value |
| Mortgage loans | For any personal or business requirement except speculationAmount: Maximum 50% of the market value of the property |
| Pre-owned vehicles | For refinance of old/pre-owned vehicles not older than 5 yearsAmount: 50% of the market value of the vehicle |
| Gold Loans | Against pledge of gold ornamentsAmount: 70% of the prevailing gold value or Rs. 10.00 lacs whichever is lower |
Bank Investment Options
The investment option you have in Capital Small Finance Bank is opening Term Deposits which will be for a fixed period and earning better returns.
Term Deposits
The bank provides option to invest in various term deposit schemes as given below:
| Type of Deposit | Specific Features | Common Features |
| Cumulative Deposit | Period: 12 months to120 monthsInterest on quarterly compounding basis | Individuals, Firms, Corporates, Clubs, and groups of individuals can open these accounts. No TDS deduction on submission of 15H form0.50% additional interest for Senior CitizensNomination facility availableLoan against deposit up to 92.5% except Tax Saver FDPremature withdrawal permitted with penalty |
| Short-term deposits | Period: 15 days to 120 months | |
| QIDS (Quarterly Interest Deposit Scheme) | Period:12 months to 120 monthsQuarterly interest payout permitted | |
| MIDS(Monthly Interest Deposit Scheme) | Period: 12 months to 120 monthsMonthly interest payout permitted | |
| Tax Saver FD | To claim deduction under 80C of the Income Tax Act 1961Period: 5 yearsMaximum deposit: Rs. 1.50 lacsNo loan will be granted against the deposit | |
| Recurring Deposit | Investment in monthly instalments of fixed amountPeriod: 12 months to120 monthsPassbook provided |
Capital Small Finance Bank Banking Services
The other banking services provided by the bank are:
- Internet Banking and Mobile banking to conduct various financial and non-financial transactions online without the hassle of visiting the branch. You can access these services at any time and from anywhere.
- Locker facility for the safekeeping of important documents and valuables.
Capital Small Finance Bank Customer Care
For any queries, you can reach out to the Customer Care helpline of the bank by calling the Capital Finance Bank Customer Care Number 91-181-5051111 or 5052222. You can also forward your queries through email to their email ID customerrelations@capitalbank.co.in
