Register Now for Loan From Home!

Lowest Gold Loan Interest Rate

  • Convenience and Flexibility of repayments
  • Affordable Interest Rates
  • Best Value of Your Gold
  • Muthoot total branches

    4200+ Branches

  • Since 1887

    134+ Years of legacy

  • Total Employees

    30k+ Employees

  • Serve 100k+ Customers per day

    Serve 1 Lakh+ Customers/Day

Interest Rate on Loan Against Gold

Gold loan interest rates at Muthoot FinCorp have been designed to offer a comfortable loan experience to every borrower. Our interest rates, starting at 11.99% p.a., are decided as per the required loan amount and the chosen gold loan scheme.

How is Interest Rate Calculated on Gold Loan?

Muthoot FinCorp decides individual interest rates for every individual loan, depending upon your region and requirement. Choose from the most attractive Gold Loan schemes in the market, starting from 12% per annum. A simple interest method is applied to calculate the interest on the gold loan.

For example, an interest of 12% for one year for a principal amount of Rs 1,00,000 will be Rs 12,000.

Interest Rates On Different Gold Loan Schemes by Muthoot Fincorp.

Here’s a table explaining Muthoot FinCorp’s interest rates for the various Gold Loan schemes:

Name of Gold Loan Scheme

Interest Rate

Loan Amount

RestartIndia Pradhan Gold loan 11.99% p.a Minimum Rs.5 lakh
Easy Pro 18% p.a Rs.3 lakh to Rs.499999
Easy Max 21% p.a Rs.1 lakh to Rs.299999
Super Value Gold Loan 23% p.a Applicable through all ticket sizes

What are the Additional Benefits of Gold Loan Interest Rate at Muthoot FinCorp?

Muthoot FinCorp’s Gold Loans come with a host of benefits. With Muthoot FinCorp’s Gold Loan, you get:

  • Affordable Gold Loan Interest Rates: Muthoot FinCorp extends support to borrowers by offering affordable interest rates. Borrowers can avail gold loans with interest rates starting from 11.99% per annum.
  • Best Value of Your Gold: Get the maximum permissible value of your gold based on the chosen Gold Loan scheme.
  • Maximum Security: Muthoot FinCorp keep’s your gold in a fully-owned premium facility with maximum security, instead of a third-party locker, until you take them home.
  • Convenience and Flexibility: All Gold Loan schemes cater to your requirements with specificity. Every gold loan applicant benefits from the convenience of application and flexibility of repayments.

The final interest rate on the gold loan will be decided by Muthoot FinCorp.

Factors Affecting Gold Loan Interest Rates

Muthoot FinCorp offers the lowest gold loan interest rates in the market. Here are the factors that affect the interest rate on your gold loan:

Loan Amount: Your loan amount decides the interest rate on your gold loan. A higher loan amount will incur a higher interest rate and vice versa. Always keep in mind to check the required loan amount, and compare all available schemes before choosing the gold loan interest rates.

Gold Loan Scheme: Muthoot FinCorp offers various gold loan schemes to suit the needs of every customer. These gold loan schemes come with varying interest rates, loan amounts and tenure options. You can choose the combination which suits you best, and avail the interest rate applicable on the chosen scheme.


For a quicker process, the applicant can visit the nearest Muthoot FinCorp branch.

Frequently Asked Questions

The rate of interest is calculated based on the chosen scheme, the value of gold and the eligibility.

You can also visit the nearest Muthoot FinCorp branch to find out the interest rate applicable based on the chosen gold loan scheme.

Muthoot FinCorp’s Gold Loan Interest Rate is decided by factoring in the following:

  • The region where you are availing the gold loan
  • The amount of loan requested against the gold

You can visit the nearest Muthoot FinCorp branch or call us at 1800 102 1616 for more information

Compare the interest rates of our various gold loan schemes using the Muthoot Gold Loan Calculator. Upon furnishing basic information, the calculator populates a comprehensive table. This table displays the tenure and interest rates offered by our schemes. Compare the interest rates and choose the scheme with offers the lowest gold loan interest rate.


Muthoot FinCorp levies a minimal charge of Rs 20 to 0.25% of the loan amount as processing fees. This amount also has an upper limit and varies from scheme to scheme.

Muthoot FinCorp Logo

First-hand account of customer experiences


Enquire Now
By choosing the options I authorize Muthoot Fincorp Limited and other Muthoot Pappachan Group companies (including its Agents/representatives) to communicate with me on their product offering, promotions & services through Telephone, Mobile, SMS, WhatsApp & Email.
Loan From Home
24x7 Express Gold Loan
Money, Anytime Anywhere Instantly into your Bank Account

Register Now

Need Help?

Please feel free to contact us. We will get back to you. Or just call us now.

Related Posts

Whatsapp icon