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| EXPRESS 3 MINUTE GOLD LOAN |
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A finance product for small and medium retail customers designed to meet the quick and easy need for liquidity.
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-- Simple and uncomplicated procedure that ensures you have your loan in 3 mins (subject to availability of proper documents.)
-- Better rates per gram of gold compared to banks and other institutions.
-- Loans up to 90% of the value of gold.
-- Working hours: 9:30am- 5:30 pm
-- Sunset @ 8- select branches work till 8 pm for your convenience
-- More working days- gold loans are available all 6 days of the week
-- Exclusive high value counters for loans above Rs 25,000/-
-- Part redemption allowed
-- Part payment allowed |
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Original proof of identification. Any of the following are acceptable: |
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Passport |
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Govt of India election ID card with address proof |
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PAN card with address proof |
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Driver’s licence |
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Any departmental ID card |
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Interest Rate structure*
| Loan Scheme |
Annual Interest Rate
(on diminishing balance) |
Remarks |
| Express 3 Minutes Gold Loan |
24% |
In all cases extra interest @3% per annum for every three months will be charged in the event interest is not serviced regularly, monthly or quarterly as agreed. |
Express 3 Minutes Gold Loan - Weekly interest remittance
(If interest is remitted in advance, there will be a reduction
by 3% per annum in the rates) |
27% |
| Smart+ Gold Loan (EMI Scheme) |
24% |
| Traders Flexi Gold Loan |
24% |
*Conditions apply. |
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| Sunday Banking Branches |
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| Avail a gold loan...Repay like a business loan. |
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- The benefit of paying back in Equated Monthly Instalments
- The EMI is apportioned such that the larger amount goes toward repaying the principal
- No foreclosure charges
- Part release and repledge is allowed
- Rebates on prompt payment
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Original proof of identification. Any of the following are acceptable: |
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Passport |
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Govt of India election ID card with address proof |
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PAN card with address proof |
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Driver’s licence |
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Any departmental ID card |
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Interest Rate structure*
| Loan Scheme |
Annual Interest Rate
(on diminishing balance) |
Remarks |
| Express 3 Minutes Gold Loan |
24% |
In all cases extra interest @3% per annum for every three months will be charged in the event interest is not serviced regularly, monthly or quarterly as agreed. |
Express 3 Minutes Gold Loan - Weekly interest remittance
(If interest is remitted in advance, there will be a reduction
by 3% per annum in the rates) |
27% |
| Smart+ Gold Loan (EMI Scheme) |
24% |
| Traders Flexi Gold Loan |
24% |
*Conditions apply.
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| Your security against the rising prices of gold. |
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| Invest in gold coins or bars through a unique scheme where 85% of its value is paid for you by Muthoot Fincorp. |
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-- you buy your coin at today’s price paying only 15% of the cost and pay for the rest in EMI’s, thus safeguarding against rise in gold prices
-- your gold coin is of 999.9 purity in a tamper proof pack
-- we have a buy back scheme
-- we also have a free locker facility |
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-- units of 1, 2, 4, 8, 20 and 100 gms each are available
-- only 15% down payment to be made. 85% of the value of the gold is paid for you by us, ensuring you book the gold at today’s price.
-- repayment can be made in EMI’s spread over 12, 24, 36 months
-- even 1 gram can be purchased via EMI’s
-- free locker facility to park the gold
-- we have a convenient buy back scheme
-- no income proof or guarantor required
-- foreclosure facility available
-- part release facility available |
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| Our Secure Debentures offer a safe and reliable investment with guaranteed high returns. |
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Simplified procedures |
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The minimum amount for a debenture starts at Rs1000/- and higher in multiples of Rs 1000/- |
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Higher rates of interest than banks |
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Loans up to 90% of the value of the debenture are granted |
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Premature withdrawal is allowed with no penalty charges* conditions apply |
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Interest can be drawn on monthly basis or yearly basis or on maturity of debentures depending upon the scheme. |
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Interest is credited to customer account maintained with banks directly on request |
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| call 1800 102 1616 *toll free |
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| Disclaimer: Interest rates are subject to change, please contact the nearest Fincorp branch for updates. |
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| INSURANCE PRODUCTS AND SERVICES |
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We provide insurance advisory services. |
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| Muthoot Fincorp's Money Transfer is one of the largest payout centre's in India. Muthoot Fincorp Ltd. allows real time receiving of money from across the seas, in less than 10 minutes. Money can be transferred from Western Union Money Transfer, Xpress Money, EzRemit, Money Gram or Trans-Fast, at NO additional service charge to the receiver. |
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Fastest Money Transfer facility |
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No bank account needed for amounts up to Rs. 50,000 |
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The receiver does not have to pay any service charge |
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Certified by the RBI |
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Access it in any of Muthoot Fincorp's 1500 branches across the country |
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Repeat customer can receive money without ID proof |
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Passport |
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driver’s license, |
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Voters card |
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pan card |
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Ration card with photo |
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Central Government Employee ID |
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State Government Employee ID |
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Employee ID Armed forces, Para military services |
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Employee ID of RBI, SEBI, TRAI & IRDA, Employee ID of Police and Postal loyalty card. |
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We offer the best rates through our intimate knowledge of the wholesale and retail financial markets |
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25 destination currencies available |
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An experienced team of advisors supported by the latest technology that keeps them abreast of the trends |
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A dedicated dealer is assigned to each customer whether individual or corporate |
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Zero commission |
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Service beyond banking hours |
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| Muthoot Fincorp brings the trust & expertise of the Muthoot Pappachan Group into the world of travel management services. |
| We provide the following end to end travel related services. |
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Airline ticketing to visa & passport facilitation |
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Managing cars-hire & surface transport requirements to co-ordinating hotel accommodations |
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Custom built holiday packages for individuals & families to group travel arrangements for Conferences, Meetings, Incentive tours and Exhibition |
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Dedicated dealer for every customer |
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We take pride in catering to the varied needs of every customer with a personal touch. We have successfully satisfied large and small corporate houses as well as retail customers with our wide variety of offerings.
Our focus on quality of service, transparency and reliability is supplemented by our commitment to optimizing our customers’ cost, comfort and convenience, thereby ensuring the ideal mix for their travel plans. |
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| Name of State |
Contact Person |
Mobile No |
Click to Email |
| Kerala |
Ms. Sushama Nayak |
+91-9048544445 |
sushama.sn@muthoot.com |
| call 1800 102 1616 *toll free |
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Speedy loan approval |
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Flexible repayment options, ranging from 12 to 36 months available even at the point of purchase. |
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Repay through any of our branches across the India in easy EMI’s. |
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Hassle free loans - No post dated cheques required. |
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Attractive interest rates. |
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Spot approval to MPG debenture Holders |
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| Depending on the scheme under which the loan is approved some of the following documents are to be provided |
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Address Proof |
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Signature Proof |
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ID Proof |
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Income Tax Returns or Pay Slip / Form 16 |
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Last 3 months Bank Statement &. 3 post dated cheques of the same account |
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House/Building Tax/Land Tax Receipt |
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Accident insurance policy available |
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