A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session41dd8eb5cc83268238bfe34a6ff150b072230c10): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session2eb78e21f395652b39750f7b29aa18b2fca10a96): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessiona188aa8a9b26e2276a7bba2910b4b5fc845628d5): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session2ee1f70869f4f5bc250b28703b1a3ffecdcfe4c1): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session907b6aad7f1f8b9d486ffa2f7d00aab9a814fd22): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session629fab670ad8b5622185268af97c8227da9ccfaa): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionff5bdf21995ddc71402e8fce7812a3142aae6bb6): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessiond2f8c1fbc168ede10f624217f11439b9374a2dd8): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session35ee5b8565e80ff6dd965faa5761703841de88df): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessione92cf6840fca15ab29e97064a65860b4a7d1add7): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session8dfcf13a3afc055b2e065ec015a8c987665ae136): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionb64a7c897d0634c1592a137f1096e48874249efb): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session9eb1d25690eff672517bff5d73b4ef3cd45db500): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessioneebeb702afeb547cd95990c89bd528ab136e48bb): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session3a74180441802c240de23e71ea4407b125ddfdb1): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session15fe43ac94431a92be6353e708a94b66fa93b8c0): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessiondaa2f056c2887c36308c9a956c87bbe9d9108d53): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session756ac8ed1a1d7e4e5f182af0698deaeb2ec59f13): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session41f581ae88a8bfc59500c5a89bd42b73121bd772): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessiond8c78eb258a942e21bdf26b10bd8a6764a00b403): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session47452340261f7f602d3238569278c408bc4a5c25): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionab4b9e95ae6de399c7950228f9899689ab5a4e6b): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session9bbc0a75c869330dfc4d141a985e127adaa67a34): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session6fb7661d912ad88eedb230f2aa3ec78b279d8abd): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionce6ec98b45c14e8109d4048e6b499aed419baabd): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionaae483daaf4b82eb4acf83cfcbde67553cbb83a4): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session0046d3f50272b271fad66b84281d711bdb71a7d3): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionf19497a87ae7808c0539885a533cfcb8d80cdbcd): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session26778ff77653509526ef4651970c35e22af9702b): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionbfe469100693d3f78d217cf0c59ad736ac75901a): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session79d515dde8ede4badd3408b396bc018c4d056d03): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session7ee8403251d42d2500f610e6390ed5a7aa1b0215): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session97f56581783a1f09027399c3ffb7c464bae8b279): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session37621f1af2775830e3ffeeffc17917964dbeca73): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session424dc4e3a97cb8a84008e60edbca26c8c8b9fd49): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session254f03cd3b0988a634a4e8574d2c1cd70d5366ed): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessione2c195daa700bf768ac73369a5533e55e4c5532a): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionb31f30e36f461321b5be3a35da97932dcf978b47): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessione93c4783b9bfa93452d82d4d03f3f2574c7cab3f): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session8be4c7cc33998216c4927a671ee03acafed7527d): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessione39b1ed5a61c219d97fd2b2e772e8fdd8722bb68): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session1f7325d05b9989f04f4e0a0d263eb3a800ba759d): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session1967eb0029f65018244f2e9cc33ee5b324bb2add): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session017b94217a01aa04f2657ff3f97d3df42411a8e7): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionba4fa0d8c39844b22a8980a63f2dba65452d926f): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session7ae151998f55f88c72301df82510fe852a8d39d7): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessione055f9f35f8cc55281aefd5f3ab92afe18a0c342): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session3af2a1286110e3304d59e2bc1b94e516399d87bc): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessiond334b5021e1a6d06fcdfecce64c25fd8b279ff0b): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session7c9c9a689a4ab8232e6d576c9252733caf940983): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session7f874aa64b54ab9e5831bb0353fa8e868b239249): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session186f7c4de80ee57382a1c096d7dd17ed20b120ca): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_sessionf41e75ed79102029e14b98cfacf043db3734aaa6): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session5459cfacd655ab8e611e7016351e32ea931e9723): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session2c695ae9e177dbd40378d85764750742ded5cb04): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session87f45db52d7807c472099a754ba47d9afe65638c): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session8d5fd55cdee7a602a5bf03c5ceaf456ed6d97971): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

A PHP Error was encountered

Severity: Warning

Message: unlink(/tmp/ci_session4f517f6d4142b005db10078293b2ed4e0980a2f2): Operation not permitted

Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/mutfin/public_html/application/controllers/Product_services.php
Line: 29
Function: library

File: /home/mutfin/public_html/index.php
Line: 354
Function: require_once

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 Muthoot Fincorp


Fill Up Fill Up:



What documents do I need to produce?

Original proof of identification. Any of the following are acceptable:

  • Passport
  • Govt of India election ID card with address proof
  • PAN card and address proof
  • Driver's licence
  • Any Govt departmental ID card
  • We are bound by and follow KYC norms as per the regulator's guidelines

Interest Rate structure*

Scheme Default Interest Slab Period/s Kerala Other States
Express Gold loan
-Kerala & Outside Kerala- upto Rs 200000
(Max. Tenor 9 months)
Upto 1 month 22% 22%
>1 upto 3 months 24% 24%
>3 upto 6 months 27% 27%
>6 months 30% 30%
Express Gold loan -
Outside Kerala Abv Rs. 200000/
( Max. Tenor 9 months)
Upto 3 months - 27%
> 3 upto 6 months - 27%
>6 months - 30%
       
Multi Interest Product (MIP)
M14 - 70% of LTV Maximum amount-
Upto Rs 50000
Upto 1 month 14% 14%
>1 upto 3 months 17% 17%
>3 upto 6 months 21% 21%
>6 upto 12 months 24% 24%
> 12 months 27% 27%
Multi Interest Product (MIP ) M18-
80% OF LTV Maximum amount-
Upto Rs 300000/-
Upto 3 months 18% 18%
> 3 upto 6 months 22% 22%
>6 upto 12 months 24% 24%
> 12 months 27% 27%
Multi Interest Product (MIP) M 22 - 90% OF LTV
Maximum amount-As per approval
Upto 5 months 22% 22%
> 5 months upto 12 months 24% 24%
> 12 months 27% 27%
Additional interest @ 12% p.a. on defaulted interest will be charged if exceeding 12 months under MIP scheme.
Max. Tenor for all MIP products is 12 months.
Muthoot Special Gold loan (MSGL)-
Minimum- Rs 2,00,000
(Max. Tenor is 6 months)
Upto 3 months 15% 15%
> 3 upto 6 months 17% 17%
>6 months 20% 20%
Processing charges Rs 1000 + Serv Tax      
Special 16-
Minimum-Rs 1,00,000
Maximum- Rs 1,99,999
(Max. Tenor 6 months)
Upto 3 months 16% 16%
  > 3 upto 5 months 20% 20%
  > 5 upto 6 months 22% 22%
In the event of default ,Additional interest at the rate of 3% per month will apply on the defaulted EMI for the defaulted no. of days Pre Closure charges applicable .
Vyapar Mitra -
Minimum -Rs 10000
Maximum- Rs 5,00,000
Upto 1 month 18% 18%
>1 upto 2 months 22% 22%
>2 upto 3 months 24% 24%
>3 upto 6 months 27% 27%
> 6 months 30% 30%
Processing fee 0.05% of loan amount subject to a maximum of Rs 100/-
(charged only for the first pledge)
Traders Flexi Gold loan (TFL) 0-30 days 22% 22%
31-90 days 24% 24%
91-180days 27% 27%
Minimum Amount Rs.50000
(Max. Tenor 6 months)
Abv180 days 30% 30%
       
1. Interest is charged on Monthly compounding basis for Express Gold loan & Special 16. For others it will be on ab initio basis from the beginning.
2. In all cases interest slab will shift back to original rate at which the loan was availed if interest is paid up to date along with additional charges if any from the date of clearance of default
3. Service Taxes as applicable will be collected extra along with processing fee.
       
MSME loans
SME Loan- (Hypothecation of Stock )
Minimum : Rs 5,000
Maximum : Rs 50,000
24%p.a Repayment through daily installment (EDI) collected in 104 business days.
Customer will be charged a default rate of 3%per month on the defaulted EDI amount for delayed number of days, if the EDI is not paid every day.
Processing charges : Rs.300+Serv Tax.
Collection cum Service Charge: 1% of loan amount
or Rs.150 whichever is higher.
Suvidha Loan- ( Short term business loan)
Minimum : Rs 5,000
Maximum: Rs 15,000
24%p.a Repayment through daily installment (EDI) collected in 104 business days.
Customer will be charged a default rate of 3%per month on the defaulted EDI amount for delayed number of days, if the EDI is not paid every day.
Processing charges :Rs.150/- Serv. Tax
Collection cum Service Charge: 1% of loan amount or Rs.150 whichever is lower.

Processing charges :Rs.150/- Serv. Tax
Collection cum Service Charge: 1% of loan amount or Rs.150 whichever is lower.

* All interest rates mentioned are p.a only

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FAQs

What is the Muthoot Fincorp Express Gold Loan scheme?

It is a loan given against the security of Gold with a bullet repayment option

How is the loan amount calculated?

The loan amount is calculated based on the weight of gold. We disburse upto 60% of the value of gold pledged under the normal scheme.

Is there any scheme wherein I can get 100% of value of gold as loan?

No

Will the loan amount be given to me in cash immediately?

Yes. The loan amount will be paid in cash across the counter.

What is the percentage of interest charged and are there any service charges that I have to pay?

The current rate is 24% per annum on diminishing balance. 22% p.a on a daily diminishing balance available in select states.Service charges are: applicable at following rates in all states (Not applicable in Kerala)

Service charges are:-  
UptoRs 5000/- Rs 6/-
Rs 5001/ to Rs 10000/- Rs 11/-
Rs 10001/- to Rs 20000/- Rs 22/-
Rs 20001/- to Rs 50000/- Rs 45/-
Rs 50000/- to Rs 200000/- Rs 84/-
Above Rs 200000/- Rs 112/-

Are there any additional charges for repayment in cash for gold loan?

Yes, for cash remittances above Rs 25000/- towards gold loan repayment, service charge at rate of 0.25% plus applicable service tax @ 12.36% will be levied.

Is it a flat rate of interest that I have to pay?

No, it is not flat rate but daily diminishing rate .The interest is charged on the outstanding balance of the loan.

Do I get an account number?

Yes. We will be giving a loyalty number which you can produce each time you avail a loan; thereby you are exempted from paying the service charges every time.

What is the amount received if I pledge 1 gram of gold?

The minimum weight accepted for pledging is 2 grams and the rate applicable as per the LTV norms for the day will be disbursed. The minimum loan amount is Rs 500/-

Can I pledge ornaments studded with stones?

Yes you can. The weight of the stone will be reduced while arriving at the amount of loan.

Is there any ceiling on the maximum amount that I can avail at a time?

There is no ceiling on the maximum amount that can be availed.

Can I pledge more than once in a day?

Yes you can pledge any number of times in a day.

What is the loan amount if I pledge 24 carat gold bar/coin?

You are not eligible to avail loan by pledging 24 carat gold bar as per latest RBI regulations.

How is the repayment of loan done? Is there an EMI calculated?

There is no fixed EMI and therefore you can remit any amount at any time to reduce your interest burden.

If I wish to release gold pledged by me in the morning today itself will I be charged interest?

Yes. The minimum interest payable is for 7 days irrespective of how soon it is released by you.

What are the documents to be submitted by me for availing the loan?

Customer has to bring a valid identity proof and address proof at the first time.

Can the amount be remitted daily?

Yes. Repayments can be made in any mode i.edaily, weekly or monthly as per customer convenience, however it should be ensured than interest needs to be remitted within 3 months

If I am unable to pay interest on time, what are the penal charges?

If interest is not remitted for 3 months, the interest rate applicable will be 27%. If interest is not remitted for 6 months, the interest rate applicable will be 30%. If no interest is received even after 6 months penal interest at the rate of 6% on the interest due will be charged from the 7th month. The penal interest rate will progress by 1% in the coming months, if no interest is paid.

Will I be informed if my loan becomes overdue?

Yes .You will be informed of the same by notice sent by post to the address given.

Is part release of Gold pledged possible?

Yes. Part release of gold pledged is possible to the extent of amount paid with upto date interest.

What procedure if I misplace the receipt of the gold pledged?

For amount less than Rs 5000/- an indemnity bond by customer on plain paper is to be submitted at the time of release of gold. For amount higher than Rs 5000/-an indemnity bond on an Rs 50 stamp paper has to be submitted by customer.

If I am unable to service the interest what is the time limit before which the gold will be auctioned?

Notices to the customers are sent after 3, 6 and 11 months. Gold is auctioned after 13 months after exhausting all means of recovery.

Can a third party remit the outstanding amount for closure of my loan?

Yes. The amount can be remitted by a person other than the borrower. However, in the event of closure of loan, the ornaments will be handed over only if the borrower comes in person to collect the same or else an authorization letter has to be produced

Express Gold Loan ONE PLUS GOLD LOAN Muthoot Gold Loan

Muthoot Fincorp
Muthoot Fincorp
Muthoot Fincorp

Target Customers

  • Interest sensitive customers with medium fund requirement.
  • All retail customers looking out for best option of lower interest combined with higher LTV.

Benefit to the customers

  • Primary benefit of Rs.1/- per month interest for Rs.100
  • Prepaid interest product at lowest interest of 12%
    1. No headache of remembering due dates for interest payment
  • Maximum loan to value
  • Part payment of Principal allowed

KEY FEATURES

  • Loan Amount: Min. Rs.50000/- and Max. Rs.99999/
  • Lowest interest rate of 12% p. a.
  • Maximum permissible LTV of 75%
  • Tenure of loan – 6 months
  • Minimum KYC procedures.
  • Part payment of principal is possible
  • Processing fee of 0.6% of the loan amount.
  • Two loans simultaneously under a loyalty not permitted.

INTEREST RATE

  • Interest rate applicable for the whole tenure is 12% p.a; (1% per month)
  • In other words, it can be said as Rs.1/- interest for Rs.100 loan amount.
  • The interest amount for the whole tenure is to be paid in advance by the borrower at the time of disbursal of loan amount.
  • Applicable ROI on Pre-Closure: 20% p.a. ab initio
  • The pre-closure penalty of 20% ROI will not be applicable if the customer pre-closes the loan on or after 177th day till 180th day of the loan tenure.
  • Applicable ROI after maturity date: 22% p.a. from date of completion of loan tenure
  • Interest charged for minimum period of 7 days if pre-closed before 7 days.
  • Mode of interest calculation is simple interest.

PROCESSING CHARGES

A processing fee of 0.6% of the loan amount will be charged at the time of disbursal. Service taxes at the rate of 18% will be charged additionally on the total processing fee.

DEFAULT SCENARIO

  • In case the loan is not repaid within the stipulated tenure of 180 days, then gold ornaments pledged will be auctioned at the Company’s discretion.
  • On completion of the stipulated loan tenure, the applicable interest rate will become 22% p.a. ab initio from the date of completion of loan tenure.
  • Auction reminder notice will be sent on 5th month of the loan tenure and will be charged as per the existing slabs in Muthoot Special Gold Loan.
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