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OUR SERVICES

Comprehensive Loan Solutions

Providing specialized financial assistance for India's top professionals with competitive rates and fast approval times.

Business Loans

Business Loans

FUEL YOUR GROWTH

Amount:Up to ₹1 Cr
Rate:14% onwards
Key Feature:48-Hour Approval

Working capital, equipment finance, and overdraft facilities. Minimal documentation required.

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Home Loans

Home Loans

YOUR DREAM HOME

Amount:Up to ₹20 Cr
Rate:7.3% onwards
Key Feature:0% Processing Fee

Flexible documentation for private practice income. Balance transfer and top-up options available.

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Professional Loans

Professional Loans

FOR YOUR PRACTICE

Amount:Up to ₹75 L
Rate:9.0% onwards
Key Feature:No Collateral

Equipment finance, practice setup, or expansion. Tailored for doctors, CAs, architects.

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Personal Loans

Personal Loans

QUICK CASH ACCESS

Amount:Up to ₹50 L
Rate:10.5% onwards
Key Feature:Same-Day Disbursal

No collateral required. Flexible EMI options. Use for any personal need or emergency.

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Gold Loans

Gold Loans

AGAINST YOUR GOLD

Amount:Up to ₹1 Cr
Rate:7.5% onwards
Key Feature:Instant Approval

Secure loans against your gold jewelry. Flexible repayment tenure. Get funds in 30 minutes.

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Mortgage Loans

Mortgage Loans

PROPERTY AS COLLATERAL

Amount:Up to ₹20 Cr
Rate:10% onwards
Key Feature:Highest LTV

Loan against residential or commercial property. Use funds for any purpose. Competitive rates.

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Education Loans

Education Loans

FUND YOUR FUTURE

Amount:Up to ₹1.5 Cr
Rate:8.5% onwards
Key Feature:100% Financing

Study abroad or in India with flexible EMI options and high unsecured limits for top institutions.

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Vehicle Loans

Vehicle Loans

DRIVE YOUR DREAM

Amount:100% On-Road
Rate:8.75% onwards
Key Feature:Pre-approved Offers

Get the best rates for new or used cars with instant approval and minimal zero-downpayment options.

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Quick Comparison

Compare all our loan products at a glance

LOAN TYPELOAN AMOUNTINTEREST RATEMAX TENUREKEY FEATURE
Business LoansUp to ₹1 Cr14% onwardsUp to 7 years48-Hour Approval
Home LoansUp to ₹20 Cr7.3% onwardsUp to 30 years0% Processing Fee
Professional LoansUp to ₹75 L9.0% onwardsUp to 10 yearsNo Collateral
Personal LoansUp to ₹50 L10.5% onwardsUp to 5 yearsSame-Day Disbursal
Gold LoansUp to ₹1 Cr7.5% onwardsUp to 3 yearsInstant Approval
Mortgage LoansUp to ₹20 Cr10% onwardsUp to 20 yearsHighest LTV
Education LoansUp to ₹1.5 Cr8.5% onwardsUp to 15 years100% Financing
Vehicle Loans100% On-Road8.75% onwardsUp to 7 yearsPre-approved Offers

Home Loans

LOAN AMOUNT
Up to ₹20 Crore
INTEREST RATE
Starting 7.3% p.a.
TENURE
Up to 30 years
PROCESSING FEE
0%

Key Features

  • Balance transfer facility with top-up options
  • Part-prepayment allowed without penalties
  • Flexible EMI options (step-up, step-down)
  • Tax benefits up to ₹3.5 Lakhs under Section 80C & 24
  • Minimal documentation for professionals
  • Quick approval in 72 hours
Apply for Home Loans →

EMI Calculator

₹50.0L
₹1L₹20Cr
15 Years
1 Year30 Years
Interest Rate7.3% p.a.
5%20%

* Interest rate depend upon on your profile

Monthly EMI₹45,784
Total Interest₹32,41,153
Total Amount₹82,41,153
Get Detailed Quote

Business Loans

LOAN AMOUNT
Up to ₹1 Crore
INTEREST RATE
Starting 14% p.a.
TENURE
Up to 7 years
PROCESSING FEE
1%

Key Features

  • Overdraft facility for working capital needs
  • Equipment finance and machinery loans
  • Business expansion and inventory funding
  • Collateral-free loans up to ₹50 Lakhs
  • Flexible repayment based on cash flow
  • 48-hour approval for urgent requirements
Apply for Business Loans →

EMI Calculator

₹50.0L
₹1L₹1Cr
5 Years
1 Year7 Years
Interest Rate14.0% p.a.
8%24%

* Interest rate depend upon on your profile

Monthly EMI₹1,16,341
Total Interest₹19,80,475
Total Amount₹69,80,475
Get Detailed Quote

Personal Loans

LOAN AMOUNT
Up to ₹50 Lakhs
INTEREST RATE
Starting 10.5% p.a.
TENURE
Up to 5 years
PROCESSING FEE
2%

Key Features

  • Same-day disbursal for urgent needs
  • No collateral or guarantor required
  • Use for any personal need (medical, travel, wedding)
  • Flexible EMI options to suit your budget
  • Online application and instant approval
  • Minimal documentation for salaried professionals
Apply for Personal Loans →

EMI Calculator

₹25.0L
₹1L₹50L
3 Years
1 Year5 Years
Interest Rate10.5% p.a.
8%24%

* Interest rate depend upon on your profile

Monthly EMI₹81,256
Total Interest₹4,25,220
Total Amount₹29,25,220
Get Detailed Quote

Eligibility Criteria

Check if you meet our transparent requirements

  • Minimum age: 21 years (at loan application)
  • Maximum age: 65 years (at loan maturity)
  • Co-applicants can extend age limit in some cases
  • Age proof required: Aadhaar, PAN, Passport, or Driving License
  • Salaried: Minimum ₹50,000 monthly income
  • Self-employed: Minimum ₹3 Lakhs annual income
  • Income proof: Last 6 months salary slips / 2 years ITR
  • Bank statements: Last 6 months required
  • Ideal credit score: 750 and above
  • Minimum acceptable: 650 (with higher interest)
  • Score 700-750: Standard interest rates
  • Below 650: Case-by-case evaluation required
  • Salaried: Minimum 2 years total experience
  • Self-employed: Minimum 3 years in business
  • Current employer: At least 1 year (salaried)
  • Business continuity: 2+ years for professionals
  • Valid KYC: Aadhaar Card + PAN Card mandatory
  • Income proof: Salary slips (last 6 months) or ITR (last 2 years)
  • Bank statements: Last 6 months for all accounts
  • Professionals: Degree certificate or practice registration

Not Sure if You Qualify?

Our advisors can help you understand your eligibility and suggest the best loan product for your situation.

Check Your Eligibility

Frequently Asked Questions — Loans

Everything you need to know before applying

We prefer a CIBIL score of 700 or above for the best interest rates. However, applicants with scores between 650-700 may still qualify with slightly higher rates. We evaluate each application holistically.

CapitalFlax offers 72-hour approval for most loan products. For gold loans, approval can happen in as little as 30 minutes. Business loans for urgent needs can be approved within 48 hours.

Home loans for qualified professionals come with 0% processing fee. Business loans carry 1% and personal loans 2%. Gold loans are 0.5%. Professional loans have 0% processing fee.

Standard documents include: Aadhaar Card, PAN Card, last 6 months bank statements, last 2 years ITR (for self-employed), salary slips for the last 3 months (for salaried), and property documents (for secured loans).

Absolutely! CapitalFlax specializes in self-employed professional loans for doctors, CAs, architects, and business owners. We accept flexible income documentation.

CapitalFlax partners with 15+ banks and NBFCs including HDFC, ICICI, SBI, Axis Bank, and Kotak Mahindra, ensuring you get the best rate matched to your profile.

Yes. All your personal and financial data is protected with 256-bit SSL encryption. We never share your information with third parties without your explicit consent.

Home and mortgage loans are available up to ₹20 Crore. Business and gold loans up to ₹1 Crore. Personal loans up to ₹50 Lakhs. Professional loans up to ₹75 Lakhs. Actual amounts depend on income, credit score, and property value.

Ready to Find Your Perfect Loan?

Join 10,000+ professionals who trust Capital Flax for their financial needs. Apply now and get approval in 72 hours.

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