Existing Gold Loan customers of Muthoot Fincorp enjoy an additional benefit - the 24x7 Express Gold Loan. Once registered to avail the loan, which is a few-minutes’ process, the loan facility is designed to give you access to instant top-up loans, anytime, anywhere, without any hassle. Wonderfully, 24x7 Express Gold loan is thoughtfully designed & developed for the common man. Its operated/used with just simple SMS messages on simple & inexpensive feature phones. The service can also availed via our website and Muthoot Blue App. The Top-up loan is the perfect way to get Money, Anytime, Anywhere. It is instantly delivered into your bank account and can be withdrawn from the bank or ATM.
Really, Muthoot Fincorp’s Muthoot Blue Gold Loan portfolio is not only shaped around common man’s needs & desires at various stages of his or her life, and is the Most Rewarding Gold Loan in India. With 24x7 SMS facility, you get your basic loan as per your requirement; you get to keep your gold safe & insured without paying for it, as it is needed at banks and at the same time, you can continue to get more & more money, as and when you need, as top-up loans via the 24x7 Express Gold Loan Facility.
Registered customers who have pledged their gold with us and who have not taken full LTV are eligible to avail the residual amount as the 24x7 Express Gold Loan. In other terms, if you have taken less amount than the amount you are entitled to, you can take the residual amount as loan, whenever the need arises.
Additionally, part payment of the loan will lead to corresponding eligibility of the top-up loan. Just by simple SMS messages through the simple feature phone or our website & Muthoot Blue App in few simple steps. Indeed, a first in India tech-feature.
Steps to Avail the Loan
It is very simple to avail the loan instantly - simply send an SMS to the number 7994999999 from the mobile number registered with us or Click here to avail 24x7 Express Gold Loan now or Click here to download the Muthoot Blue App. You do not require a smartphone, mobile application or internet connectivity.
Request for a loan anytime anyday by sending an SMS 'loan <amt>' to 7994999999
Login here for a quick Top-Up on your Gold Loan
Open the Muthoot Blue App and select 24x7 Express Gold Loan
Confirmation message will come from Muthoot & amount reaches to him if he confirms by replying back 'yes' (if used SMS as the mode to avail top-up)
Key Features of the 24x7 Express Gold loan
- The daily top-up limit is up to ₹ 5 lacs
- Zero processing fees for the first 5 disbursals via SMS
Advantages of the 24x7 Express Gold loan
The Express Gold Loan Facility offers several advantages to our existing customers:
- It is simple to avail. Send an SMS to the number 7994999999 from your registered mobile number or log on to our website or Muthoot Blue App. Just ask Muthoot Fincorp branch executive to register you and to activate the service at the time of taking the loan or anytime later during your loan tenure or you can visit our website or download our mobile app for Registration & Disbursement.
- It is available round the clock. You do not have to worry about the time when you need the loan. The loan can be availed from anywhere, anytime, 24x7, all year through.
- You can get an amount of up to Rs. 5 lakhs depending on the value of your gold.
- It is a "top-up loan".
- No Documentation. No visit to any branch. There is no need to collect and/or submit any document at the Muthoot Fincorp branch, once already registered.
- Swift, secure and simple. All transactions are routed via digital channels and hence ensure every process is quick and reliable.
- Educates and empowers. You can adopt ‘cashless’ behaviour and contribute to the endeavour for a digitized ecosystem.
- Interest applicable on diminishing principal basis and only for applicable number of days in Reducing impact.
Terms and Conditions
- The top-up loan follows the parent loan, and it is subjected to restrictions as decided by Muthoot Fincorp Limited.
- Customer should not have taken full-permissible value for ornaments pledged.
- Part repayment of the loan corresponds on the increased value of the Top-up loan amount.
- Other terms and conditions of the loan as applicable on the parent loan remain applicable on the top-up loan.
Interest Rate Schemes
First-hand account of customer experiences
BLUE SOCH STORIES
Namaste! I am Chirumamilla shobha. I am staying at Road No 10, Triumulanagar, Hyderabad, very near to Muthoot Blue BN Reddy branch. In 2015, I planned to purchase land to construct my own house independently. During land registration I needed extra Rs. 2 Lakhs. I visited Muthoot Blue branch and received Gold loan of Rs. 2 lakhs within 15 minutes. Now I am at my own house! Second instance that I’d like to share with you is UPSC-IRS coaching of my Son. ... Read More
In 2012 our family was in a difficult financial situation, and I had to make tough decisions for the sustenance of my family. It was at that time that I got introduced to Muthoot Blue. The staff there helped me source a loan against my gold, with which I started my Saree Business. Later I was given a SME loan based on the progress of the same business. ... Read More
When we thought of expanding our business, branch manager counselled me regarding the gold loan that I could avail. My wife also helped me in taking decision of gold loan as I was fully assured of safety of my gold. Till 14th of Feb I have taken gold loan 12 times on a regular basis and repaid the same on time. Followed by the gold loan I also took gold coin when I got to know about this scheme and now, I am the owner of the gold coin too. ... Read More
I approached Kaniyapuram Muthoot Blue for a loan. I was a regular customer of Kaniyapuram MFL. They approved a gold loan for me quickly. With that amount and my savings from my previous business I started a small bakery near by MFL branch. The business has grown in a short span of time. Initially I was running the business alone, Now I have 7 staff to support me. ... Read More
I am Parvathi. I am into door to door coconut oil selling business. When I started business, I had a lot of investments that I had to make, but money lenders such as banks, pawn shops, etc. had very high interest rates, and I was unable to avail the same. During this time, I was approached by Muthoot Blue and they offered me products that suited my exact needs and helped my grow my business. I have been taking Gold loan from Muthoot Blue for the past 4 years for my business development. ... Read More
Namaste! My name is Ramesh Naidu. I stay in Anuradha residency, High school road, Ramavarrapadu, Vijayawada. On 20th Nov 2017, at 12:40 pm my mother G.Satavathi aged 74 had a brain stroke & got admitted in the hospital. I was running to arrange money for my mother’s hospital expenses. Finally, I approached MFL branch for Gold Loan and I got the loan immediately and was able to treat my mother. ... Read More
Blue Soch – Brand Showcase
Muthoot Fincorp 24×7 – Customer Speak
Muthoot 24 x 7 Explainer Video
Why Choose Muthoot Blue?
Muthoot Blue (Muthoot Pappachan Group) has a reputation that has been shaped over decades with high-quality practices, total customer satisfaction, and steady growth. Today, Muthoot Fincorp, our flagship company, is one of the largest NBFCs in India and we continue to work with the aim of providing timely credit to common man with Blue Soch. Hence, our Muthoot Blue 24×7 Express Gold Loans are designed to make it easy to reach for your dreams!
- We have over 4200 branches across India. Visit your nearest Muthoot Blue branch to get a loan quickly and without any hassle.
- Nearly 1,00,000 customers walk into our branches daily and are assured of trustworthy and simple services.
- Our customer-centric approach and innovation over the past 133+ years without compromising on the God-given values of trust, truth, transparency and tradition is what helps us in empowering the human ambitions.
Visit your nearest Muthoot Fincorp branch now to get an instant Muthoot Blue 24X7 Express Gold Loan!
Over 3600 branches across India
133+ years of legacy
18,000 Muthootians serving millions of customers
Walk in of over 1,00,000 customers a day