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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.

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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 EMI Gold Loan Schemes PDF EMI 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

HIGHER LOAN AMOUNT

Maximum Loan to Value

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

After 3 months without incurring any foreclosure charges

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

Hassle free loans

Quick and convenient processing

Easy and simple documentation

Easy documentation

Easy and simple documentation

NOMINAL PROCESSING FEES

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.

Release of ornaments after closure of loan to the legal heir in deceased cases.

 Following are the documents required for release of ornaments after closure of loan to the legal heir in deceased cases.

CUSTOMER & NOMINEE EXPIRED  – LEGAL HEIR COMES FOR RELEASE   

Documents needed:

  1. Pledge card (Customer Copy)
  2. Death certificate of the Customer and Nominee issued by the Government.
  3. Legal heirship certificate of the Customer issued by the Court or the Government.
  4. NOC from other legal heirs, if more than one legal heir is mentioned in the legal heirship certificate
  5. Address proof and handwritten request letter from the sole legal heir/legal heir who is authorized to release by other Legal Heirs.
  6. Affidavit (notarized) to be executed by such sole legal heir/legal heir who is authorized, in Stamp paper purchased in his/her name. 

Cases wherein Customer Copy of pledge card is missing 

Process to be followed:

  • Communicate to the sole legal heir/legal heir who is authorized, the list of documents to be provided for release.
  • Collect and verifythe documents provided by sole legal heir/legal heir who is authorized.
  • Legal department of the Company verifies the documents and approve release of ornaments to the legal heir. 
  • Approval is communicated by respective branch to sole legal heir/legal heir who is authorized, and the gold can be releasedupon completion of all formalities.  

CUSTOMER EXPIRED & NO NOMINEE IS MENTIONED: – LEGAL HEIR COMES FOR RELEASE   

Documents needed:

  1. Pledge card (Customer Copy)
  2. Death certificate of the Customer issued by the Government.
  3. Legal heirship certificate of the Customer issued by the Court or the Government.
  4. NOC from other legal heirs, if more than one legal heir is mentioned in the legal heirship certificate
  5. Address proof and handwritten request letter from the legal heir who is authorized to release by the other Legal Heirs.
  6. Affidavit (notarized) to be executed by the sole legal heir/legal heir authorized in Stamp paper purchased in his/her name. 
  7. Cases wherein Customer Copy of pledge card is missing 
  8. Process to be followed:
  • Check whether theTEE Packet/Application form contains nominee details.
  • Communicate to the Legal heir, the list of documents to be provided for release.
  • Collect and verifythe documents provided by the Legal heir.
  • Legal department of the Company verifies the documents and approve release of ornaments to the legal heir. 
  • Approval is communicated by respective branch to sole legal heir/legal heir who is authorized, and the gold can be releasedupon completion of all formalities.  

CUSTOMER & NOMINEE EXPIRED; LEGAL HEIRS ARE MINORS:- NATURAL GUARDIAN OF THE MINORS COMES FOR RELEASE

Documents needed:

  1. Pledge card (Customer Copy).
  2. Death certificate of the Customer and Nominee issued by the Government.
  3. Legal heirship certificate of the Customer issued by the Government.
  4. Address proof of the Minors and the Guardian. 
  5. Handwritten request letter from the Guardian.
  6. Affidavit (notarized) to be executed by the Guardian in Stamp paper purchased in the name of the Guardian.

Cases wherein Customer Copy of pledge card is missing 

Process to be followed:

  • Communicate to the Guardian, the list of documents to be provided for release.
  • Collect and verifythe documents provided by the Guardian.
  • Legal department of the Company verifies the documents and approve release of ornaments to the legal heir. 
  • Approval is communicated by respective branch to sole legal heir/legal heir who is authorized, and the gold can be releasedupon completion of all formalities.  

CUSTOMER & NOMINEE EXPIRED; LEGAL HEIRS ARE MAJOR(S) AS WELL AS MINOR 

Documents needed:

  1. Pledge card (Customer Copy)
  2. Death certificate of the Customer and Nominee issued by the Government.
  3. Legal heirship certificate of the Customer issued by the court or the Government. 
  4. Address proof of all Legal heirs.
  5. NOC from legal heirs, who are majors. For minors, NOC from their Guardians
  6. Handwritten request letter from the major legal heir who is authorized to release by the other Legal Heirs.
  7. Affidavit (notarized) to be executed by that authorized legal heir in Stamp paper purchased in his name. 
  8. Cases wherein Customer Copy of pledge card is missing 

Process to be followed:

  • Communicate to the Major legal heir, the list of documents to be provided for release.
  • Collect and verifythe documents provided by the major Legal heir, who is authorized.
  • Legal department of the Company verifies the documents and approve release of ornaments to the legal heir. 
  • Approval is communicated by respective branch to sole legal heir/legal heir who is authorized, and the gold can be releasedupon completion of all formalities.  

 

SCENARIO – 11

CUSTOMER EXPIRED & NOMINEE IS NOT WILLING TO REDEEM THE GOLD :- 3RD PARTY, WHO IS A LEGAL HEIR, COMES FOR RELEASE

Documents required:

  1. Pledge card (Customer Copy)
  2. Death certificate of the Customer issued by the Government. 
  3. Legal heirship certificate of the Customer issued by the court or the Government showing name of the 3rdParty as the Legal Heir of the Customer OR Document showing the relationship between the Customer and the 3rd 
  4. NOC from nominee and other legal heirs.
  5. Self-attested Address proof of Nominee.
  6. Handwritten request letter from 3rd
  7. Address proof of the 3rd
  8. Affidavit (notarized) to be executed by the 3rdParty in Stamp paper purchased in the name of 3rd 
  9. Cases wherein Customer Copy of pledge card is missing.

Process to be followed:

  • Communicate to the 3rdParty, the list of documents to be provided for release.
  • Collect and verifythe documents provided by the 3rd
  • Contact Nominee for confirmation of the release in the name of 3rd
  • Legal department of the Company verifies the documents and approve release of ornaments to the legal heir. 
  • Approval is communicated by respective branch to sole legal heir/legal heir who is authorized, and the gold can be releasedupon completion of all formalities.  

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.
  •  
    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
  • 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

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