Frequently Asked Questions

Capital Now is India’s trusted app-based lending platform catering personal credit facilities. The company leverages technology and big data analytics to deliver innovative credit products to salaried individuals across the country. The app is completely digitally driven, and the entire loan application process can be carried out online. We Provide Unsecured loans for up to Rs 1,50,000/- with easy and affordable instalment options. Visit our Website to learn more.

One app which solves all your financial needs. At Capital Now, Quick credit assessment ensures fast disbursal of a loan at affordable rates and flexible terms, thus providing financial access at a single click!

Capital Now is a sophisticated, User-friendly, Technology platform powered by Anu Colonisers Limited and Goldline Finance Private Limited, an RBI registered NBFC.

Our app is designed to be simple and user-friendly. Here’s how you use it:

• Download the Capital Now app from the Play Store.
• Register yourself through your Facebook, Gmail, or LinkedIn account.
• Fill in basic details to check your eligibility.
• To apply for the loan you are eligible for, fill out your personal information.
• Upload photos of your documents.
• Provide your bank account details.
• Once your loan got verified from our end you’ll get the money directly in your bank account.

Capital Now lends based on the Credibility of the Borrower touch basis on documents provided.

You can access the Terms and Conditions 

You can access the Privacy Policy  

Since our loan process is completely online and paperless, we are able to process your loan much faster and eliminate many of the costs that are incurred at banks and large instantly financial institutions.

Capital Now personal loan can be used to meet the money/financial requirements for any, kind of personal use. Our customers typically use Capital Now for the following occasions: Shopping, Weddings, Gifts, and Medical etc.

Yes, you need to install the Capital Now app on your Android smartphone to apply for a loan or else you can apply the loan from our website.

Download the Capital Now app from the Play Store & register yourself through your Facebook, Gmail or LinkedIn account.

No, an active Facebook, Gmail or LinkedIn account is mandatory for signing up with Capital Now.

The SMS is delivered by your network operator, so network issues can prevent you from receiving the OTP. You can try switching off and restarting your phone. Or else, you can try after some time.

Any Indian citizen residing in India, above the age of 25 with a proof of current employment, earning a monthly salary of ₹30,000 and above, a bank account and a valid identity and address proof can apply.

Our internal team sends out emails to you only if there’s an issue with your document you have upload or for any pending documents. Please go through the email you’ve received for more details on what documents we require from you again. Be sure to follow the upload document instructions clearly provided in app to avoid this situation again. To ensure quick processing, we request you to upload the required documents on our app.

We would not be able to process your application without any current address proof. Please try to arrange an address proof which is listed by us to ensure faster loan approval.

No, once your documents have been successfully verified and your Capital Now profile is confirmed, you need not re-submit your documents. However, you are required to notify us and upload new documents for verification in case there are any changes in your employment, salary, or residence.

KYC is a mandatory requirement in accordance with RBI regulations. We ask for minimal documents for your KYC process. All your personal and financial information are encrypted using SSL protocol. So all your information is completely safe with us.

Ideally, you should have received your documents on your registered email address at the time of loan disbursement. However, in case you haven't received them, you may write to us at support@capitalnow.in and quote your loan account number to receive assistance.

Any Indian citizen residing in India, above the age of 25 with a proof of current employment, earning a monthly salary of ₹30,000 and above, a bank account and a valid identity and address proof can apply.

We're currently unable to process loans for our self-employed customers. We'll update you as soon as we start processing applications.

At this moment, we only give loans to salaried individuals who get their salary via bank transfer – directly from their employer.

Yes, you can apply.

No, you don't need any collateral/security for this loan.

Capital Now is a digital platform and is available across all cities in India.

Yes, our underwriting is based on machined credit process where we check customer’s multiple data points. Loan application can be considered if your profile qualifies our underwriting parameters.

Our system generates the maximum amount you are eligible for based on various parameters like your income, other Data Points etc. You will not be able to borrow a higher amount than this amount for this time. But, if you show consistent repayment record, you could be eligible for a higher amount next time.

Here’s an overview of the application process

• Easy online application form
• Digital document submission
• Track your application in real time using our website or mobile app
• Approval in as little as 3 hours

Capital Now offers loans ranging from ₹2, OOO– ₹1 Lakh, with terms between 65 to 90 days.

Typically, our interest rates start at 3% per month. Start an application here to see what rate you can borrow at.

We need your bank account details to be able to transfer the funds to your bank account post approval of the loan.

Yes, it is possible to get the loan amount transferred to a bank account jointly held by you. However, you should be the primary account holder of the joint account.

No, you can only get the amount transferred to your own bank account.

Usually, the profile verification happens within 10 minutes of registration. However, in rare cases we may require more time to verify the profile. This may happen in case of low clarity documents, user provided details not matching with the documents uploaded, etc.

Once we have been able to verify your profile, you will be notified via SMS. You may also reach out at support@capitalnow.in.

No, you just need to open our app and you can continue from where you left. In case of any other problems feel free to contact us at support@capitalnow.in

In your Android Phone, kindly go to Settings > Apps > Capital Now > Permissions and make sure that you have enabled Capital Now to access the application.

Capital Now requires your permission to access your phone to complete the application process enabling us to provide seamless and efficient financial services.

We use world-class data security and encryption techniques to protect the data you share with us. Capital Now never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not transfer your data or credit profile with third parties.

We decide the eligibility of every borrower based on our own set parameters and algorithms. We will let you know in case your application could not be approved. Also, you may re-apply after 3 months in such cases.

You can easily check the status of your application by logging into your account on https://www.capitalnow.in/ or the Capital Now App.

You can easily check the status of your application by logging into your account on https://www.capitalnow.in/ or the Capital Now App.

Once your loan is disbursed, the money will reach your bank account within few hours. At the time of loan disbursal, the UTR (Unique Transaction Reference) number is shared with you, which you can track conveniently with your bank.

Completing your profile and uploading your documents should not take you more than 15 minutes. If all your documents are provided correctly, and your account is verified, you may receive the approved loan amount in your bank account within minutes.

No, you can avail a loan from Capital Now 24x7x365. Since we operate on a completely digitised platform, you are not restricted by any particular working hours.

You need to upload your e-signature in pdf, jpeg, format towards signing the loan agreement

Entering into an Loan Agreement is a contract which is a legally binding document and states that once a loan is disbursed to you, you are liable to pay back the entire amount withinterest and other charges as applicable within the maturity of the loan. You cannot get a loan without signing the Loan Agreement.

Loan request are usually rejected if the details provided by you fail to meet our credit norms. In some cases, we do share the reason directly to you via SMS and mail and can only advice to reapply post resolving those issues.

Yes, your loan and performance of your loan track will be reported to CIBIL, CRIF and other credit bureaus; as per the RBI guidelines. A good loan repayment ensures building a good credit history and score; at the same time a bad loan repayment with delayed payments and over dues - adversely affect your credit history and score.

Please make sure that your images are:

• Complete
• Adequately zoomed
• Not blurry and
• Taken with good lighting
• Additionally, for bank statements are acceptable in pdf formats only which you receive from bank as monthly statement or which you can download from bank website.

Completing your profile and uploading your documents should not take you more than 15 minutes. If all your documents are provided correctly, and your account is verified, you may receive the approved loan amount in your bank account within minutes.

You can repay your loan by heading over to the Active loan section in the app and making a payment. We accept payments via a payment gateway.

Yes, you have the option to prepay the loan amount earlier than the contracted tenor.

No, you can foreclose your loan without any penalties or charges.

No, As such we don’t have cash payment option.

Timely repayment of the loan amount, interest and other applicable charges is extremely vital.

•    For every day that you default on your payment, you will have to pay a penalty charges 

•    You will automatically be ineligible for availing quicker Personal Loans of a higher value from Capital Now in the future.
•    Your CIBIL score will get affected, which will affect your ability to avail loans from any bank or financial institution in the future. Your profile will also be updated as a defaulter with various credit rating agencies.

Once a loan is approved and disbursed, it cannot be cancelled. Hence, you would need to repay the amount in full in order to close the loan.

No. There is no option for partial payment later after due date.

Yes, you will receive an SMS from Capital Now confirming the repayment, and an email confirming the closure of your Personal Loan with Capital Now.

There can be times when, due to network issues or issues with the payment gateway, money gets debited from your account but it does not get accepted by the payment gateway. In these cases, you should get your money back within 7 working days. If you do not get the money back in your account by this time, please write to us at support@capitalnow.in attaching with screenshots.

No. All our charges are transparent and communicated to the customer upfront

Once you are approved to join the Capital Now platform and successfully complete one loan cycle, future financing is literally at your fingertips. As and when you require funds, apply online within 10 minutes for new loans and receive funds directly in your bank account.

You can login to the Capital Now App and check your existing loan details under 'My Loans' section in the Main menu.

Please make alternate arrangements with help from family / friends to pay for dues on time. In case of any delay payment, please get in touch with relationship manager. Stay in touch & repay within the extended timeline as committed. Commitment should not cross the extended timeline. 

For any questions or queries, you can reach out to us at support@capitalnow.in

It is absolutely safe. All your sensitive information, which are personal, financial or related to employment are encrypted through the Secure Socket Layer (SSL) protocol. Your information is kept absolutely safe. Please refer to our Privacy Policy. We are legally compliant with all data privacy and IT security norms in India.

We take the security of your information very seriously and have taken care to comply with the best practices in the industry. You can be assured that all the data provided is in good hands and the information is handled in a secure manner.

Our business hours are 9AM to 6PM IST, Monday to Friday with the exception of bank holidays. However, our team extend our services 24/7 for all loan disbursals are concerned.

For any questions or queries, you can reach out to us at support@capitalnow.in

It is absolutely safe. All your sensitive information, which are personal, financial or related to employment are encrypted through the Secure Socket Layer (SSL) protocol. Your information is kept absolutely safe. Please refer to our Privacy Policy. We are legally compliant with all data privacy and IT security norms in India.