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Future Capital Gold Loan

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    Future Capital Gold Loan Features

    Future Capital Gold Loan Loan Amount Up to Rs. 1 Crore (With Income Proof)
    Future Capital Gold Loan Interest Rate 7.25% per annum
    Future Capital Gold Loan Per Gram Rate Per Gram Today is ₹ 5,219
    Future Capital Gold Loan Processing Fee 1.50% of the Principal Loan Amount
    Future Capital Gold Loan Prepayment Charges 2%+GST (Within 3 Months), 0 (After 3 months)
    Future Capital Gold Loan Repayment Tenure 3 Months to 24 Months
    Future Capital Gold Loan Repayment Scheme Bullet Payment Scheme, Overdraft Scheme

    Advantages of Future Capital Gold Loan

    • Fast Procedure: You can now easily take the loan without any hurdles. The Bank approved the loan in just an hour.
    • Fewer Documents: The documentation process is fast, and they need minimum documents.
    • Transparent System: there are no hidden charges in Future Capital, and they offer clear transparency to their clients.
    • Amount of Loan: The minimum amount that Future Capital can provide to their client is Rs. 15,000. And for rural areas, it is less than Rs. 10,000
    • Protection of Jewellery: Future Capital takes complete accountability for the protection of your gold. Afterwards, they keep the client’s gold ornaments in fire-proof safety.
    • Loan Tenure: The time-period for the Gold loan can be from 3 months to 2 years.
    • Profits for Ranchers: Future Capital offers a minimum Gold Loan interest rate for agronomic purposes. The Bank also offers different deals to farmers.
    • No Debt Issue: There can be a point of time in which the applicant is not able to repay the amount of loan, in that case, the applicant will not be under any debts as the Bank will only seize the applicant’s ornaments.
    • No Income borders: There are no restrictions on the salary or income of the applicant. Anyone with any salary margin can apply for a gold loan in the Future Capital.

    How Much Gold Loan can I Get through Future Capital Gold Loan?

    Future Capital Gold Loan Per Gram – Updated September 2020

    Updated - Gold Loan Per Gram Rate

    Gold Weight

    Gold Purity

    Gold Purity

    Gold Purity

    Gold Purity

    24 Carat

    22 Carat

    20 Carat

    18 Carat

    1 gram

    4680 4290 3900 3510

    10 gram

    46800 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


    Future Capital Gold Loan Eligibility


    18-70 years of age



    Employment Status

    Salaried, Self-Employed

    Gold Quality

    Minimum 18 Carats


    Future Capital Gold Loan Documents Required


    2 Passport Size

    Identity Proof

    Aadhar Card, Passport, PAN Card, etc. (Only 1 is required)

    Residence Proof

    Aadhar Card, Driving License, Ration Card, etc. In the case of Rented House then the rent agreement or water/electricity bills for the last three months can be considered. (Only 1 is required)


    Future Capital Gold Loan Interest Rate, Fees and Charges

    HDFC Gold Loan Interest Rate

    7.00% per annum

    Processing Fee

    1.50% 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


    About Future Capital Gold Loan

    Life is full of worries and fears, and for that, you may need cash to cope up with financial problems in your life. In that situation, you can get a Gold Loan from Future Capital to fight with the economic emergency. After that, the people with reduced CIBIL score can also apply for these services. Although there is a lot of economic Banking and non-Banking organizations that can provide you with the gold loan, even the transactions are very safe.

    • Future Capital Gold Loan Interest Rate is 7.25% per annum.
    • Future Capital Gold Loan Per Gram is ₹ 5,219
    • Future Capital Gold Loan Tenure: Up to 24 months
    • Future Capital Gold Loan Processing Fee is Up to 1.50% of the principal Loan Amount + GST.

    Types of Future Capital Gold Loan

    Future Capital provides some plans allied to the Gold Loan item which are listed below:

    • Loan Against Gold – The gold credit is made sure about the type of loans, and then, the bank has no problem in giving the loan to the applicant, so it is given at a slower step of best when linked with various kinds of loan items.
    • Loan Against Gold for the Agriculture industry – Future Capital, gives multiple offers with less interest rate to farmers for the agricultural purposes and for that farmers need to give land proof as evidence to the bank.

    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 Your Future Capital Gold Loan EMI?

    • Standing Instruction (SI): If you are currently an account holder with Future Capital, Standing Instruction is an extremely dependable procedure to pay. Your EMI entirety will be credited automatically on the way to the month’s to month time frame from Future Capital account you show.
    • Electronic Clearing Service (ECS): This program can be useful for those who have a non – Future Capital and may need their EMIs to be charged hence close to the extreme limit of the month to month cycle from this record.
    • Post-Dated Checks (PDC): You can show post-dated EMI enquires from a non-Future Capital account at your nearest Future Capital Loan Centre. Another method of PDCs should be available in an accurate way. It will be great in the manifestation if you note Post Dated Checks will be collected non-ECS states usually speaking.

    Future Capital Gold Loan Contact Number

    Call 9878981144 And get immediate help, and you can get an instant approval for your Future Capital Gold Loan. You can now know the premium deals and offers on Gold Loan obtainable from all Future Capital Branches in all over the country, according to your needs.

    Gold Ornaments Accepted by Future Capital

    • Gold Jewellery – Gold Bangles, Gold rings, Gold anklets, Gold necklaces, etc. all of these are allowed by Future Capital for a Gold Loan.
    • Quality – The purity of gold jewellery must be in between of 18 Carat to 22 Carat. Any gold ornament, which is of 24 Carat, can’t be used to take a gold loan.

    Use of Future Capital Gold Loan

    The assets stable by availing Future Capital Gold Loan service which can be used for purposes like:

    • To invest in any exact hoards like marriage, climbing, instalment of higher education fee, etc.
    • For all the marketing purposes, such as buying new supplies, developing marketing, etc., loan services are available.
    • People can also apply for Gold Loan for farming ideas. The Bank provides minimum charges of interest for Gold Loans that are used for farming or related plans.

    FAQs About Future Capital Gold Loan

    • What is Future Capital Gold Loan?

    In Future Capital, you can easily apply for urgent financial help by keeping your gold safe, and the best part in the Future Capital is that the payment time for gold loan in this bank is less than 60 minutes.

    • How can I get the Gold Loan from the Future Capital?

    You can effortlessly get the gold loan by visiting the nearest branch of Future Capital, or you can apply online with Loannow from anywhere in the country.

    • What is Gold Loan Interest Rate in Future Capital?

    The Interest Rate for Gold Loan in Future Capital is 7.25% per annum.

    • How much Gold Loan can I get per gram in Future Capital?

    You can get up to Rs. 5,219 per gram in Future Capital and the purity of candidate’s gold should be 18 to 22 carats.

    • How to check Gold Loan status in Future Capital?

    To check the gold loan status, you can visit the web page of Future Capital Gold Loan status Tracker and see all the updates there.

    • How to calculate Gold Loan Interest in Future Capital?

    You can calculate the Gold Loan interest rate of Future Capital by using Loannow EMI Calculator.

    • How to Pay Future Capital Bank Gold Loan Interest Online?

    You Can pay the Future Capital loan interest through net banking by using the official webpage of Future Capital, and you can also pay the interest by using Paytm.

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

    If you do not pay the interest for three months, then you can face the trouble from the Bank. First, they will send you the legal notice to remind you to clear all the due payments, and if you ignore the notice then the Bank will seize your ornaments, and it will also lead to declining of your credit score. After that, you will be entirely responsible for legal actions.

    • How can I apply for EMI Moratorium on Future Capital Gold Loan?

    You can apply now for an EMI Moratorium on Future Capital Gold Loan between 1st March and 31st August 2020, and it can only be done by visiting the nearest branch of Future Capital.