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Gold Loan Calculator

*These are indicative figures, for exact amount / grammage, pls contact your nearest Muthoot Fincorp Branch.

Enter the Amount required or the weight of gold in grams

What documents do I need to produce?

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)

  1. Ration card having photograph of the applicant
  2. Arm's License
  3. AADHAR card issued by the Unique Identification Authority of India
  4. Photo identity card issued by the Central Government or a State Government or a Public Sector Undertaking
  5. Pensioner card having photograph of the applicant
  6. Central Government Health Scheme Card or Ex-servicemen Contributory Health Scheme photo card
  7. Driving License
  8. Passport
  9. Elector's photo identity card

Proof of Address (Copy of)

  1. Electricity Bill
  2. Telephone Bill
  3. Water bill
  4. Consumer gas connection card or book or piped gas bill
  5. Bank Account Statement or Bank Pass Book
  6. Depository account statement
  7. Elector's photo identity card
  8. Driving License
  9. Passport
  10. Passport of the spouse
  11. Credit card statement
  12. Post office pass book having address of the applicant
  13. Latest property tax assessment order
  14. Domicile certificate issued by the Government
  15. AADHAR Card issued by the Unique Identification Authority of India
  16. Allotment letter of accommodation issued by the Central Government or State Government of not more than three years old
  17. Property registration document

Proof of Date of Birth (Copy of)

  1. Birth certificate issued by the Municipal Authority or any office authorised to issue Birth and Death Certificate by the Registrar of Birth and Deaths or the Indian Consulate as defined in clause (d) of sub-section(1) of section 2 of the Citizenship Act, 1955 (57 of 1955)
  2. Pension payment order
  3. Marriage certificate issued by Registrar of Marriages
  4. Matriculation certificate or mark sheet of recognised board
  5. Passport
  6. Driving License
  7. Domicile certificate issued by the Government
  8. AADHAR card issued by the Unique Identification Authority of India
  9. Elector's photo identity card
  10. Photo identity card issued by the Central Government or a State Government or Central Public Sector Undertaking or State Public Sector Undertaking
  11. Central Government Health Service Scheme photo Card or Ex-servicemen Contributory Health Scheme photo card
  12. Affidavit sworn before a magistrate stating the date of birth

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

Where can I get PAN Application form?

From all branches of Muthoot Fincorp Ltd you will get Pan card application forms

What services are provided by these MFL Branches?

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.

How to apply for a PAN? Can an application for PAN be made a plain paper?

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

What if I submit incomplete Form 49A?

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.

Can a person obtain or use more than one PAN?

No, obtaining or possessing more than one PAN is against the law.

Will the existing PAN cards issued by the Department remain valid?

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

Where to apply for PAN?

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.

I have applied for PAN but have not received any communication from the Income Tax Department?

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.

How will my PAN card be delivered to me? Know About PAN

NSDL will ensure delivery of your PAN card by mail at the address indicated by you in form 49A.

PAN Card PAN Card 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.