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Gold Loan

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Muthoot Blue Gold Loans – For Your Lifecycle Needs

At Muthoot Fincorp, our vision is to immediately satisfy your lifecycle needs with simple & easy financial products so that there is no obstacle in your way to achieve your ambitions, aspirations, needs and dreams.

Muthoot Blue Gold Loan offered by Muthoot Fincorp is justperfect for raising short-term working capital or to meet your emergency financial needs, in just a few minutes at any of Muthoot Fincorp’s close to 3600 branches and growing, across the country. Most competitive LTV and Interest Rates. Our avowed values of building relationships than just grabbing business and treating each & every customer with utmost humility, empathy, warmth and coupled with commitment to empower human ambition. Industry first tech-facility of 24×7 simply-SMS based Gold Loans top-up for money in customer’s bank account, anytime. Unique & customer-centric features such as cash-backs on Regular on-time payment, Digital payment and Loan-tenure completion. Muthoot Blue Gold Loan from Muthoot Fincorp is indeed, the Most Rewarding Gold Loan in India.

Muthoot Fincorp Gold Loans completely customer-centric

At Muthoot Fincorp Ltd, our Gold Loan portfolio has our customers’ life-cycle & life-stage based needs & desires, at the core. We have a variety of Gold Loan products to suit all kinds of financial needs.These products are designed based on cash-quantum requirement and cash-flow, etc. of customers at their various life-stages. For instance, requirement of a student, a first-time-in-job, a parent or a retired person would be different and their ability to pay, too, would be different.

Muthoot Blue Guide Gold Loan

(Upto Rs. 99,999/-)

For all your day-to-day and emergency needs

Muthoot Blue Guide Gold Loan is designed to meet your day to day and emergency needs and hence it is a guide to achieve a great start to lead a peaceful life.

Muthoot Blue Bright Gold Loan

(Rs.1 Lakh to Rs. 2.99 Lakhs)

For all your day-to-day and emergency needs

Muthoot Blue Bright Gold Loan is designed to give you financial independence and meet your growth aspirations. Set up a new business or arranging down payment for a new car, everything is possible with Muthoot Blue Bright Gold Loan.

Muthoot Blue Power Gold Loan

(Rs. 3 Lakh to 7.99 Lakh)

To help power, increased life stage aspirations like marriage, children’s education, travel, home improvement etc.

Muthoot Blue Power Gold Loan is to help power, increased life stage aspirations like marriage, children’s education, buying a new car, traveling to new destinations, home improvement etc.

Muthoot Blue Bigg Gold Loan

(Rs. 8 Lakh and Above)

Designed for customers looking for a big loan which gives big benefits and big rewards

Muthoot Blue Bigg Gold Loan scheme is another reminder of our commitment towards providing you access to easy loans and help you dream big and achieve more than you ever thought was possible. Our BiGG Gold Loan comes with Big Value, Big Benefits and Big Rewards.

Muthoot Blue Smart Gold Loan

Gold Loan based on EMIs which is smart and convenient.

Muthoot Blue Smart Gold Loan is a revolutionary EMI based Gold Loan which is smart and convenient. It gives you the flexibility to choose your own payment mode and it is designed in such a way wherein instead of depending solely on the interest rate you can also use the loan tenure and amount to calculate your monthly installment.

India-first 24×7 Express Gold Loan Facility

Avail top-up loan with the ease of an SMS

Customers who have not claimed the maximum permissible Loan To Value can use the first-time-in-India Muthoot Blue 24×7 Express Gold Loan by just sending few SMS at any point of time and on any day of the year for topping-up their loan with the loan proceeds shall be transferred to bank account

Muthoot Blue 24×7 Express Gold Loan is a technology-driven automated facility which is an additional feature on existing Gold Loan enabling customers to fulfil their fund requirement anytime anywhere. 24×7 Express Gold Loan registered customers who have pledged their gold with us and who have not taken full LTV can avail the residual amount as loan simply by sending an SMS to the number 7994999999 from his/her registered mobile number. The thoughtfulness & acumen of the Facility is that, it doesn’t require a smartphone, mobile application or internet connectivity. In other words, 24×7 Express Gold Loan is like a “top-up loan” available round the clock against active gold loan packets which can be availed at customer’s convenience, on his or her simple feature phone.

Features & Advantages of Muthoot Fincorp Gold Loans

A Gold Loan from Muthoot Fincorp can come to your rescue to meet all your major financial needs such as immediate medical expenditure, investment in a property or asset, your child’s education, to meet wedding expenses, to buy a new vehicle or appliance or short & long term capital needs of your business. In India, if unbanked were to be a country, it would be 7th largest country in the world! Financial Inclusion and development of local economy is really imperative in building & taking the Nation forward. Muthoot Fincorp, through its Gold Loans – as also though is Small Business Loans – is endeavouring to drive real Financial Inclusion. Helping the common man fulfil their needs and their aspirations without falling into debt-trap, as they so often end up into.

Muthoot Fincorp’s Gold Loan is indeed the Most Rewarding Gold Loan.The features which make Muthoot Blue Gold Loan, the Most Rewarding Gold Loan, are:

Easy to get

We sanction your gold loans quickly and without any problems or a credit score. read more Walk into any one of our close to 3600 branches across the countryWe shall calculate the value of the gold (purity check) right in front of you and with a simple process, within a few minutes, we will sanction the loan for you. With Trust as our bedrock and Integrity being one of our core values, our branches are there completely committed to give you the best and the maximum possible, rather than earn the maximum possible revenues for ourself,

Minimum Requirements

Very few documents are required for your gold loan approval. When you visit one of our branches, read more just carry your ID papers. There is no need to get a guarantor when coming to us for a gold loan. The liability or risk involved is limited to the gold you put up as collateral. We share the certificates of gold value at the time of deposit.

Attractive Rate of Interest

We offer you Gold Loans at very attractive interest rate starting at just 12% pa. And, read more provide Maximum Permissible value for your ornaments pledged depending upon the scheme you choose. You get minimum processing fees ranging from Rs. 12 to Rs. 20, along with quick sanctioning and disbursal of loan is possible with minimum documentation and KYC procedures.

We Keep Your Gold Safe & Insured

All your gold is kept in insured lockers. Our lockers are on premises which are read more electronically guarded. Be assured, our premises are very safe, and we use world-class surveillance and safety standards. Additionally, we do insurance of gold pledged with us. Its actually triple-advantage or benefits three times, for you. You get much needed money for your gold; your gold is safe & insured – unlike a Bank locker – with us; with 24×7 Facility, you can also use your Gold to continue to keep the Gold in the safest place, since its insured as well, and also continue to draw top-up loans, anytime, anywhere. So, while on the one hand we end up paying for our gold to be kept in a bank locker; the Gold kept with Muthoot Fincorp is not only ‘more’ safe, rather than paying for it, the Gold kept with Muthoot Fincorp, helps you earn from it!

Flexible Repayment and Tenures

We have both Bullet and EMI schemes. Bullet schemes give you the freedom to repay read more any amounts at any time during the loan tenure; you can even choose to make repay the principal amount and interest in multiple instalments as per your convenience it gives the facility to repay monthly interest and repay the balance principal amount at closure. It also gives facility for part payments and part withdrawal by paying required amount. We have different variants of bullet schemes designed in line with cash cycles & needs of different customer segments and you can choose most appropriate one suiting yours. Our EMI based Smart Gold Loans provide options of repaying in structured equated monthly instalments and provide longer loan tenures.

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Frequently Asked Questions

It is easy to get a gold loan from us. Just walk into any of our branches, choose the loan best suited to your needs. Our representative will guide you through the process of availing a Muthoot Blue Gold Loan. Call us at 1800 102 1616 for more details.

You need to provide gold jewellery or ornaments as a collateral to your Muthoot Fincorp branch near you to get a gold loan from us. Contact our customer care representative at (1800-102-1616) or through our online form to understand our gold loan process.

The average price of gold for the last 30 days is used to estimate the value of your gold. Visit a Muthoot Fincorp branch near for a gold loan to get the actual value pegged to your asset. The value of Muthoot Fincorp’s gold loan per gram for  today is linked to actual market rates applicable for the day.

As a leading and best gold loan company in India today, our documentation process is very simple. Here are the identity and address proof documents you need to get a Muthoot Fincorp gold loan:

  • Ration card
  • Pan card
  • Driving license
  • Voter Id
  • Passport

Yes, a small processing fee is Rs. 12 to Rs. 20 of the loan amount is charged for a Muthoot FIncorp Gold loan. If you do not have the time to visit a branch near you for a gold loan, use the online process or contact our customer care representative at 1800-102-1616.

There are several benefits of getting an offline or online gold loan from Muthoot Fincorp.

  • Get a free insurance cover.
  • Avail a hassle free and paperless transaction even from your mobile.
  • Enjoy simple documentation and transparent process.
  • Low interest rate with an option to pay instalments for the number of days the loan is used.

Visit a Muthoot Fincorp branch near you to avail the many benefits of a gold loan.

When you pledge your gold jewellery to take a certain amount of money as cash it is called loan against gold. The Muthoot FIncorp gold loan per gram calculations are used to calculate the amount of loan you can get as loan when you pledge your loan as collateral.

Cash for gold means that you can pledge your gold jewellery or ornaments for instant cash. When you pledge gold jewellery and ornaments for gold loan, you get cash on the basis of the prevailing gold rate and the permissible Loan-to-Value or LTV. Visit a Muthoot Fincorp branch to avail a gold loan.

You can get a maximum of up to 75% of the LTV of the gold. The value is dependent on the purity of gold, and the Muthoot Blue gold loan per gram rate that day. Visit the Muthoot Fincorp branch near you to get a gold loan today.

The CIBIL Score has no role in the processing of a gold loan. This makes it an attractive option for people who either do not have or have a bad credit history. Muthoot Fincorp is one of the best gold loan companies in India offering the best value for your gold.

You can visit a Muthoot Fincorp Gold Point near you to sell gold for cash. If you want to hold on to your jewellery, you can avail a Muthoot Fincorp gold loan at affordable interest rates.

You can visit our website to know the nearest Muthoot Fincorp branch offering gold loan. Muthoot Fincorp gold finance keeps your gold safe. Contact our customer care representative at 1800-102-1616 for details.

Gold loans are short-term secured loans perfect for meeting immediate needs. It is basically a loan against the gold you own.

When you give your gold jewellery to us, we give you some amount of money to meet your needs.

  • The gold jewellery you give us or pledge to us, is the collateral.
  • The money we give you is the loan.

Like every other loan, you will have to pay interest on the money or amount you take as a loan. The loan is given for a fixed amount of time, and you can pay the loan in EMI or repay the whole amount to get your gold back.

The gold items which can be used as collateral (give to us for safekeeping) are:

  • jewellery above 22 carats
  • ornaments such as chains, rings, bracelets, etc.

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.

Blue Soch Stories

Why Choose Muthoot Blue For Gold Loan?

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 Gold Loans are designed to make it easy to own one’s dream ride!

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You can trust Muthoot Blue because:

  • 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 our trustworthy services.
  • Our customer-centric approach and innovation over the past +132 years without compromising on the God-given values of trust, truth, transparency and tradition is what helps us in empowering the human ambitions.

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