A gold loan is a secured loan that borrowers can avail of cash by pledging their gold as collateral with Muthoot FinCorp. On the day of gold loan application, the market value of gold is calculated based on the per gram market rate. Only the gold ornaments or jewellery are used to calculate the value such as gold coins, bangles, bracelets, necklaces, earrings, pendants and other metals, gems and stones are excluded from the calculations.
A Gold loan can be an easy solution to all your financial needs such as for agriculture, medical emergencies, educational purposes and so on. Enjoy quick gold loan processing and approval. No income proofs or credit checks are required and pledge your gold in return for a loan with flexible repayment terms.
Walk into your nearest Muthoot FinCorp’s branches, submit your gold with your KYC documents and take the loan in one visit. Our experience in providing instant gold loans to our valued customers for years makes us one of the preferred gold loan companies in India.
Calculate Your Gold Loan Amount
Find out how much loan amount you will receive against your gold jewelry.
Muthoot FinCorp’s Gold Loan Schemes
Muthoot FinCorp offers the best portfolio of gold loan schemes for you to meet all kinds of financial needs.
Name of Gold Loan Scheme | Interest Rate | Loan Amount | Tenure |
---|---|---|---|
RestartIndia Pradhan Gold loan | 11.99% p.a | Minimum Rs.5 lakh | 12 Months |
Easy Pro | 18% p.a | Rs.3 lakh to Rs.499999 | 12 Months |
Easy Max | 21% p.a | Rs.1 lakh to Rs.299999 | 12 Months |
Super Value Gold Loan | 23% p.a | Applicable through all ticket sizes | 12 Months |
Easy Blue | 18% p.a | Upto Rs.99,999 | 12 Months |
Easy Scale Up | 10.95% p.a | Minimum Rs 8 Lakh | 12 Months |
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LendingKart, Datasigns and MyLoanCare are our strategic partners for Gold Loan business-wide digital medium.
Key Benefits and Features of Gold Loan
Muthoot FinCorp Gold Loan offers various benefits and features, which makes it the ultimate solution to all your financial needs:

Flexible Repayment
Flexible repayment options, payment of interest on a monthly basis

Special schemes
Special schemes to suit your needs

Attractive interest
We offer attractive interest rates on Gold Loan

Quick approval
Get quick approvals with minimum paperwork

Maximum Loan to Value
Get upto 75% Loan value of the gold pledged from Muthoot FinCorp

TENURE
Maximum tenure varies from 6 to 12 months for Regular Schemes For EMI schemes, higher tenure of 24 months to 36 months are offered selectively.

Hassle free loans
Quick and convenient processing

Easy documentation
Easy and simple documentation

NOMINAL PROCESSING FEES
Begins at just Rs 25 inclusive of GST based on the chosen scheme
Our Gold Loan eligibility Criteria
In order to find out if you meet our gold loan eligibility, you have to fulfill the following conditions after which we process your loan.
01
Age between 18 years (at the time of application) and 65 years (at the end of the loan tenure)
02
Purity of Gold: Between 18 to 24 carats
03
Loan Amount: Borrowers can get minimum Rs 1000 and maximum Rs 50 Lakhs.
Document Required for Gold Loan
Submit any of these documents to get a loan against gold instantly.
- KYC documents:
PAN Card, Driving License,Passport/ Voter’s ID Card/ Aadhar Card or valid
- ID proof Address Proof:
Electricity or water bills, Voter’s ID, Aadhar Card, Rent Agreement, Bank Statement
Interest Rates and Charges
Muthoot FinCorp offers a variety of gold loan schemes with lowest interest rates to suit every borrower’s needs. Our processing fees are also as low as Rs 25, including GST. To know more about our gold loan interest rates and charges, click here.
How to Apply for Gold Loan ?
The gold loan process at Muthoot FinCorp has been designed for your convenience. Follow the steps below:
Apply for a Gold Loan – Online |
Apply for a Gold Loan – Offline |
Step 1: Click on the ‘apply now’ button. Step 2: Fill in the application form and hit the submit button. Step 3: Our representative will get in touch with the applicant instantly to take the process forward. |
Step 1: Deposit your gold ornaments at a Muthoot FinCorp branch near you. Step 2: Sign up for the Online Gold Loan Service and link your savings bank account. Step 3: Once your bank account is linked, you can use our mobile app or website to have the gold finance credited to your bank account at any time. |
Gold Loan Miscellaneous Charges
Muthoot FinCorp’s Gold Loans are targeted to amplify your possibilities. A minimal charge starting from Rs 25 will be levied on the loan for processing.
At the time of application, Muthoot FinCorp’s representatives intimates the applicant about all the information about the fees and charges. There are no hidden terms and conditions.
To know more about the application fee and processing charges, call us at 1800 102 1616 or visit your nearest Muthoot FinCorp branch.
Why Choose Muthoot FinCorp For Gold Loan?
Muthoot FinCorp, the flagship company of the Muthoot Pappachan Group, is now one of India’s largest NBFCs. Muthoot FinCorp online gold loans are intended to provide effortless and easy access to credit. Our years of experience and reputation have made Muthoot gold finance the most popular choice for people in India. We use the latest technologies to ensure a seamless and pleasant online gold loan experience.

Instant Gold Loan – India’s First 24×7 Express Gold Loan Service
Avail top-up loan with the ease of an SMS
Customers who have not claimed the maximum permissible Loan To Value can use Muthoot Blue 24×7 Gold Loan.
This 24×7 Express Gold Loan is an additional feature on existing gold finance that enables customers to fulfil their requirements anytime and from anywhere. Customers who have registered, pledged their gold with us, and have not taken full LTV, can avail of the residual amount as a loan simply by sending an SMS to 7994999999 from their registered mobile number.
- Ease of Access
Simple top-up loans through the Muthoot Blue app, website or SMS from anywhere. . The loan proceeds will be promptly transferred to the registered bank account. - Cashback
Additional benefits of cash backs on regular payments, digital payments, and tenure completion. - 24×7 Availability
Easy credit on existing gold finance at any time of the day.
Blue Soch – Brand Showcase
Awards & Recognitions
Frequently Asked Questions
A gold loan, also known as a loan against gold, is a secured loan obtained from a lender by pledging gold articles (within a range of 18-24 carats) as collateral. It is one of the easiest and fastest methods of obtaining credit at very short notice and is ideal for emergency financial requirements. The loan amount is a percentage of the gold, typically up to 75%, based on the current market value and quality of the gold that is to be pledged.
The CIBIL Score has no role in the processing of a Muthoot gold loan online. This makes it an attractive option for people who either do not have or have a bad credit history. Muthoot FinCorp is the best online gold loan company in Kerala, India offering the best value for your gold.
The gold you give us is stored safely in our lockers and storage units. Please be assured that strong safes with best-in-class security standards and electronic surveillance are used. Additionally, we insure your pledged gold to its full value.
For loan against gold, the two repayment schemes available are Bullet and EMI. Smart gold loans entail repayment in equated monthly instalments (EMI) over the chosen tenure, usually long-term. The Bullet scheme offers you the freedom to repay your loan against Gold as per your convenience within the stipulated tenure. It provides the option of part payment and part withdrawal too.
Compare Gold Loan vs Personal Loan
Features | Gold Loan | Personal Loan |
Type | Secured against gold as collateral | unsecured (no collateral required) |
Interest rate | Starts at 9.95% | Starts at 9.95% |
Tenure | Short term up to 1 year | Long term up to 5 years |
Loan Eligibility | 75% of the value of the collateral | According to your repayment capacity |
Credit Score | Not Required | Required |
Documentation | Only ID proof and Address Proof | ID proof, Address Proof, Bank statement and income proofs and ITR |
Repayment | Flexible Repayment | prepayment penalty of up to 5% |
Processing fee | It starts at Rs 25 | It starts at 2% or more of the loan amount |
Eligibility Criteria | Minimal | Based on Income |
Maximum Loan Amount |
Up to Rs 50 lakhs |
Up to Rs 50 lakhs |
Salaried | Not Required | Mandatory |
Muthoot FinCorp Branches
If you have been searching ‘gold loan near me’, we are here to serve you. Find your nearest branch and pay us a visit!
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Muthoot FinCorp Ltd.
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Sagar Pur
3.7 KM from Delhi Cantonment, New Delhi, Delhi, 110010, India -
No WZ 25, Ground Floor, Vashishth Park, Pankha Road
Sagar Pur
New Delhi – 110046
Near Aggarwal Sweets -
Open until 05:30 PM
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Muthoot FinCorp Ltd.
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Mattancherry
3.5 KM from Kochi, Kerala, India -
No 5/723, Ground Floor, Geethanjali, Sri Gujarathi Road
Mattancherry
Ernakulam – 682002 -
Open until 05:30 PM
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Muthoot FinCorp Ltd.
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Sadar Bazar Chauraha
7.1 KM from Gwalior, Madhya Pradesh, India -
Door No 1227, Ground Floor
Sadar Bazar Chauraha
Gwalior – 474006
Infront of United Church -
Open until 05:30 PM
Find Muthoot FinCorp Gold Loan Branch near you – Locate Now

First-hand account of customer experiences
MUTHOOT BLUE SOCH STORIES

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. ...

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. ...

I have been a Muthoot Blue customer since the last two to three years. I have taken a gold loan and made use of the EMI facility for buying gold. Providing gold to people like me through easy options is indeed great. I even have a health policy from Muthoot. ...

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. ...

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. ...

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. ...

One day i saw Saharanpur team of Muthoot FinCorp doing marketing activity in my area, talking about being self-enough by getting funded at his gold at nominal rate. The idea of getting instant loan on gold without any collateral supported my dream of mushroom business. In 2008, I met Saharanpur branch and expressed my desire of loan on gold. On my first visit I got a loan of 1.2 lakh which i repaid in time. On 19 of Oct 2014, I again took 2.90 lacs of loan as a second booster to my business. Meanwhile during coffee with Muthoot, i got to know about gold coin which I can avail with easy payment option which I took and payed off easily. ...

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. ...
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