Original proof of identification. Any of the following are acceptable:
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Loan Scheme 
Annual Interest Rate 
Remarks 

Express Gold Loan  
22% 
In the event of nonpayment of interest every month the interest slab will be 24% p.a. retrospectively from the beginning. 

Express Gold Loan  
24% 
If interest is not remitted continuously for 3 months the rate of interest will be 27% p.a retrospectively from the beginning. 

Traders Flexi Gold Loan 
24% 

VyaparMitra Gold Loan 
18% 
In the event of nonpayment of interest above one month and up to two months the rate of interest will be 22% p.a. retrospectively from the beginning. 

VyaparMitra Gold Loan (All States except Kerala) Minimum  Rs 10,000 Maximum Rs 5,00,000 
20% 
In the event of nonpayment of interest above one month and up to two months the rate of interest will be 22% p.a. retrospectively from the beginning. 

EMI Gold Loan 
20% 
A grace period of three days will be provided to the customers for repayment of monthly EMIs. In an event if the customer fails to repay even after the grace period, then a default charge of 3% p.m will be charged on the defaulted EMI for the defaulted days 

Muthoot Multi Interest 


Muthoot Special Gold Loan 
15% 
If interest is not remitted continuously for 3 months the rate of interest will be 17% p.a retrospectively from the beginning. 