Gold Loan Schemes

Scheme Slab Periods Rate of Interest

*Please understand the amount of interest is only suggestive. it depends upon the purity and quality of gold

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GOLD LOAN schemes

  • Ideal for: Customers who want maximum loan value and wish to earn discounts by timely payment of monthly interest.
  • Rate of interest is 24% p.a. with 2% rebate if 100% interest is paid monthly (30Days).
  • Limits: Avail Minimum Loan of Rs.1500 & No Maximum amount.
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
  • Special scheme exclusive to Women customers offered at our South India branches only.
  • Limits: Avail Minimum Loan of Rs.1500 & Maximum Loan up to Rs. 50,000.
  • Highly discounted rate of 12% p.a. to encourage women customers.
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  • Ideal for: Customers who want maximum loan value and wish to earn discounts by timely payment of monthly interest.
  • Limits:Avail Minimum Loan of Rs.1500 & Maximum Loan less than Rs.99900.
  • Rate of interest is 23.5% p.a. with 2% rebate if 100% interest is paid monthly (30Days).
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Ideal for: Customers who want maximum loan value with reasonal rate of interest.
  • Limits: Minimum Loan of Rs. 1 Lacs and no maximum limit.
  • Rate of interest is 23.5% p.a. with 3% rebate if 100% interest is paid monthly (30 Days) & 2% rebate if 100% interest is paid quarterly.
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Ideal for: Customers wanting to benefit from both - A fairly good per gram rate & an attractive interest rate.
  • Limits: Minimum Loan of Rs. 1500 and Maximum Loan up to Rs. 5 Lacs.
  • Offered at all Branches across North, East & West India.
  • Attractive interest rate of only 18% p.a.
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Ideal for: Customers from Business community, traders, property dealers, builders, shop owners etc. who wish to avail loans for a longer period.
  • Limits: Minimum Loan of Rs. 3 Lacs and no maximum limit.
  • One of our best selling product with interest rate as on date as low as 16% p.a. & Maximum Loan Value offered
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Specially designed scheme for Businessmen, traders, petrol pump owners, pharmacists, shopkeepers etc.
  • Limits: Minimum Loan of Rs. 2 Lacs and Maximum Loan of Rs. 50 Lacs.
  • Ideal as an “ADDITIONAL BANK LIMIT” to attend immediate funding requirements to grow your business. Pay interest only for the amount used.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
  • Online Gold Loan (OGL) facility available to use limit online on your sanctioned MOS scheme.
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  • Ideal for: Professionals & salaried class customers who prefer paying easy instalments (EMI payments) instead of lump sum or bullet payments.
  • Limits: Minimum Loan of Rs. 20,000 & no maximum limit.
  • Option to choose loan tenure from 6, 12, 18, 24, 30 and 36 months with no penalty on premature closures.
  • Attractive 21% rate of interest (diminishing balance) with Maximum Value Loan offered
  • 3 days grace period for late payment of EMI & freedom to pay one or more EMIs based on your convenience.
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  • Ideal for: Customers who want lower amount of loan with lower rate of interest.
  • Limits: Avail Minimum Loan of Rs.1500 & Maximum limit is Rs. 50000/-
  • Scheme with Lowest Rate of Interest of 12% p.a. if 100% interest is paid monthly (30Days).
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Ideal for: Customers who want loan upto 2 Lacs with lower rate of interest.
  • Limits: Avail Minimum Loan of Rs.1500 & Maximum limit is Rs. 2 Lacs.
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Ideal for: Customers from Business community, traders, property dealers, builders, shop owners, etc. who are looking for low interest Gold Loan.
  • One of our best selling product with interest rate as low as 12% p.a. & Maximum Loan Value offered
  • Limits: Minimum Loan of Rs. 10 Lacs and no maximum limit.
  • Online Gold Loan (OGL) facility available.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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  • Gold ATM offers cashless delivery of loans with flexibility in drawing money through Muthoot Finance DCB Visa Card. This amount can subsequently be utilized for cash drawls (from ATM) and making online payment.
  • Pay interest only for the amount utilized from the loan limit.
  • Loan Limits: Minimum Loan of Rs.1000 and Maximum Loan of Rs. 5 Lacs.
  • The customer can draw the amount from loan limit in tranches and load the same to his/her Muthoot Finance DCB Visa Card by simply making a call to dedicated Toll Free Number from his/her registered mobile number.
  • Tenure of loan is 12 months with Free Insurance for pledged Gold Ornaments.
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why us

We are the largest Gold Financing Company in India in terms of loan portfolio, according to the 2015 update to the IMaCS Research & Analytics Industry Reports, Gold Loans Market in India, 2015 ("IMaCS Industry Report, (2015 Update)"). We provide personal and business loans secured by gold jewellery, or Gold Loans, primarily to individuals who possess gold jewellery but could not access formal credit within a reasonable time-frame, or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements.

  • 25000

    Employees

  • 4300+

    Branches spread over 21 states and 4 Union Territories

  • 6 million

    Customers in our portfolio

  • 130 year

    Existence

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