Capital Magic is a multi-utility personal loan offered by Capital Trust through its mobile application Capital Magic. It may be used for business expansion, supporting education, wedding expenditure, medical emergencies, advance against salary, buying a 2 wheeler or consumer durable, or anything other unaccounted expense. The app is an integrated platform that offers customized credit products through its real time credit scoring models and alternate data. It enables clients to receive loans within few hours of origination through a paperless process. However, the product is branch aligned so that clients have the comfort and convenience of touch and feel of traditional banking.