Register Now for Loan From Home!

Gold Loan

  • Minimum Loan Amount @ Rs.1000
  • Competitive Interest Rate
  • Minimal Documentation with Quick Approval
  • Express Speed of Sanction
  • We Keep your Gold Safe & Secure in Locker

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.

Read more

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

EMI Gold Loan Schemes PDF Gold Loan Schemes

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 options, payment of interest on a monthly basis

Flexible Repayment

Flexible repayment options, payment of interest on a monthly basis

Special schemes to suit your needs

Special schemes

Special schemes to suit your needs

We offer attractive interest rates on Gold Loan

Attractive interest

We offer attractive interest rates on Gold Loan

Get quick approvals with minimum paperwork

Quick approval

Get quick approvals with minimum paperwork


Maximum Loan to Value

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

After 3 months without incurring any foreclosure charges


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

Hassle free loans

Quick and convenient processing

Easy and simple documentation

Easy documentation

Easy and simple documentation



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.


Age between 18 years (at the time of application) and 65 years (at the end of the loan tenure)


Purity of Gold: Between 18 to 24 carats


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.

24X7 Express Gold Loan

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.

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!

  • Muthoot FinCorp Ltd.
    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
  • Muthoot FinCorp Ltd.
    3.5 KM from Kochi, Kerala, India
    No 5/723, Ground Floor, Geethanjali, Sri Gujarathi Road
    Ernakulam – 682002
    Open until 05:30 PM
  • Muthoot FinCorp Ltd.
    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

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.

    Hi there! How can we help you? Tap here to chat with us.
    ankara escort çankaya escort çankaya escort escort bayan çankaya istanbul rus escort eryaman escort ankara escort kızılay escort istanbul escort ankara escort ankara escort escort ankara istanbul rus Escort atasehir Escort beylikduzu Escort Ankara Escort malatya Escort kuşadası Escort gaziantep Escort izmir Escort