Fill Up: Documents acceptable as proof of identity and address as per Rule 114 of Income Tax Rules, 1962 Proof of Identity(Copy of Any one of the following)
Proof of Address (Copy of)
Proof of Date of Birth (Copy of)
| 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
From all branches of Muthoot Fincorp Ltd you will get Pan card application forms
Will supply new PAN application forms (Form 49A), assist the application in filling up the form, collect filled form and issue acknowledgement slip. After obtaining PAN from the Income Tax Department, NSDL will print the PAN card and deliver it to the applicant.
PAN application should be made only on Form 49A. PAN application can be made only on new Form 49A A PAN application (Form 49A) obtained from any of the MFL Branches
PAN application should be made only on Form 49A. MFL branches will assist applicants to correctly fill up Form 49A, but shall not receive any incomplete and deficient PAN application.
No, obtaining or possessing more than one PAN is against the law.
All PAN allotted and PAN card issued by the Department will remain valid. All persons who have been allotted a PAN need not apply again. If you have lost your PAN card you can apply for reissue through MFL branches
In order to improve PAN related services the Income Tax department has authorized NSDL Investor Services to set up and manage Service centers (Like MFL branches) in all cities or towns where there is an Income Tax office and National Securities Depository Limited (NSDL) to dispense PAN services from TIN Facilitation Centers.
In case you applied prior to notification of new form 49A on 29.5.2003 but have not received the PAN, you will have to apply afresh CSF at any IT PAN Service Center.
NSDL will ensure delivery of your PAN card by mail at the address indicated by you in form 49A.
PAN Card 
Get your Pan-card by submitting applications at your nearest Muthoot Fincorp branches.
Permanent Account Number (PAN)is the identifier of Indian income tax payers in the form of AAAPL1234C. It is unique, 10-character alpha-numeric identifier, issued to all juristic entities identifiable under the Indian Income Tax Act 1961. It is issued by the Indian Income Tax Department under the supervision of the Central Board for Direct Taxes (CBDT) and it also serves as an important proof of identification.
Like Aadhaar and driving license, it is also issued to foreign nationals on valid visa as it is not a proof of nationality.
This number is almost mandatory for financial transactions such as opening a bank account, receiving taxable salary or professional fees, sale or purchase of assets above specified limits, etc.
The primary purpose of PAN is to bring a universal identification to all financial transactions and to prevent tax evasion by keeping track of monetary transactions of high-net-worth individuals.
Muthoot Fincorp Ltd is acting as a Franchisee of Unit Trust of India (UTI) for processing PAN Card applications.