Register Now for Loan From Home!

Gold Loan Online - Get Loan Against Gold Jewellery

  • Get Instant Top-Up Gold Loans with 24x7 Express Gold Loan Service
  • Simple Documentation and Quick Approval on Loan Against Gold Jewellery
  • Lower Interest Rates
  • Flexible Tenure and Online Repayment Options for Gold Loan
  • Use Gold Loan EMI Calculator to Calculate Installments

Muthoot Gold Loan

Gold Loan offered by Muthoot FinCorp is just perfect for raising short-term working capital or to meet your emergency financial needs, in just a few minutes at any of its 3600+ branches across the country. Muthoot FinCorp offers competitive LTV and interest rates and industry first 24×7 SMS based Gold Loans top-up facility to transfer money to customer’s bank account, anytime. Muthoot Gold Loans have unique & customer-centric features such as cash-backs on regular on-time payment, digital payments and on-time loan-tenure completion which make them India’s Most Rewarding loan against gold.

Muthoot Gold Loans are Completely Customer-Centric

At Muthoot FinCorp Ltd, our Gold Loan portfolio has our customers’ life-cycle & life-stage based schemes to meet all kinds of financial needs. 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.

Cash for Gold

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.

Loan Against Gold

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.

Online 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.

Gold Loan Near Me

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.

Interest Rate Structure Of Various Gold Loan Schemes

Gold Loan SchemesLTV (Loan to Value) / Loan Amount Min. Max. / Tenure / Processing Fee (inclusive of GST except for Prepaid Scheme) etc.Unique Muthoot Blue BenefitsBase Interest Per Annum
Southern branches Rest of India
Muthoot Blue Guide Gold LoanLoan Value: Upto Rs. 99,999
Processing Fee: Rs.12 to Rs.20
Tenure: Upto 6 Months
Good Credit Behavior Discount Loan Tenure Completion Reward Digital Payment Reward Rewards – EMI Schemes (Download Full – PDF)12% to 23% *12% to 24% *
Muthoot Blue Bright Gold LoanLoan Value: From Rs. 1 Lakh to Rs. 2.99 Lakh
Processing Fee: Rs.20/- inclusive of GST or 0.25% of the Loan amount Subject to Maximum of Rs.500/-
Tenure: Upto 6 Months
Good Credit Behavior Discount Loan Tenure Completion Reward Digital Payment Reward Rewards – EMI Schemes (Download Full – PDF)12% to 23% *12% to 24% *
Muthoot Blue Power Gold LoanLoan Value: From Rs. 3 Lakh to Rs. 4.99 Lakh
Processing Fee: 0.25% of the Loan amount Subject to Maximum of Rs.1200/
Tenure: Upto 6 Months
Good Credit Behavior Discount Loan Tenure Completion Reward Digital Payment Reward Rewards – EMI Schemes (Download Full – PDF)17% to 19% *17% to 19% *
Muthoot Blue Smart Gold LoanLoan Value: No cap
Processing Fee: Rs.50/- inclusive of GST & free registration for NACH
Minimum Tenure: 3 Months
Maximum Tenure: 36 Months* (36 Months tenure applicable from Rs.5 Lacs onwards)
Good Credit Behavior Discount Loan Tenure Completion Reward Digital Payment Reward Rewards – EMI Schemes (Download Full – PDF)15% to 22% *15% to 22% *
24X7 Express Gold LoanProcessing Fee: 0 processing fees for the first 5 disbursals via SMS
Minimum Tenure: NA
Maximum Tenure: NA
Good Credit Behavior Discount Loan Tenure Completion Reward Digital Payment Reward Rewards – EMI Schemes (Download Full – PDF)N/AN/A
24X7 Express Gold Loan

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 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. This top up can also be availed using Muthoot Blue app & 24×7 Express Gold Loan website.

Muthoot Blue 24×7 Express Gold Loan is a technology-driven automated facility which is an additional feature on existing Gold Finance 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

Muthoot Gold Loan 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 Gold Finance is indeed the most rewarding gold loan. The features which make it 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 over 3600 branches across India and get loan against gold instantly. We 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,

Easy to Get Gold Loan

Minimum Paperwork

Very few documents are required for your loan against gold approval. read more When you visit one of our branches, 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.

Minimum Documents Requirements for Gold Loan

Attractive Rate of Interest

We offer you loan against gold at very attractive interest rate starting at just 12% pa. And, read more provide maximum permissible value for your ornaments pledged depending upon the gold finance 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.

Gold Loan Interest Rate

We Keep Your Gold Safe & Insured

Your gold is kept in lockers within Strong Rooms at the branch. We use world-class surveillance and safety standards. read more Your Gold kept with us is also insured for its market value. A loan against gold from Muthoot FinCorp has triple-advantages -You get a loan against your gold; your gold is safe & insured and you can top-up your existing loans, anytime, from anywhere.(with the 24/7 facility)

We Keep Your Gold Safe & Insured

Flexible Repayment and Tenures

We have both Bullet and EMI schemes. Bullet schemes give you the freedom to repay any amounts at read more 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.

Gold Loan Flexible Repayment and Tenures
Muthoot Fincorp Gold Loans

Muthoot Blue - Most Rewarding Gold Loan

LendingKart and MyLoanCare are our strategic partners for Gold Loan business wide digital medium.

Blue Soch – Brand Showcase

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 Gold Loan online. 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 an instant loan against gold from us. Contact our customer care representative at (1800-102-1616) or through our online form to understand Muthoot gold finance 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 finance to get the actual value pegged to your asset. The value of Muthoot gold loan per gram for today is linked to actual market rates applicable for the day

As a leading and best online gold loan company in Kerala, India today, our documentation process is very simple. Here are the identity and address proof documents you need to get a Muthoot 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 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 gold loan per gram rate that day. Visit the Muthoot FinCorp branch near you to get instant gold loan today.

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.

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

You can visit our website to know the nearest Muthoot FinCorp branch offering gold loan. Muthoot 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.

Muthoot FinCorp Logo

First-hand account of customer experiences


Why Choose Muthoot FinCorp 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!

Muthoot Blue Logo
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 133+ years of legacy without compromising on the God-given values of trust, truth, transparency and tradition is what helps us in empowering the human ambitions.
  • Why Choose Muthoot FinCorp: India’s Leading NBFCs

    Over 3600 Branches across India

  • Why Choose Muthoot FinCorp: India’s Leading NBFCs

    133+ years of legacy

  • Why Choose Muthoot FinCorp: India’s Leading NBFCs

    18,000 Muthootians serving millions of customers

  • Why Choose Muthoot FinCorp: India’s Leading NBFCs

    Walk in of over 1,00,000 customers a day

Enquire Now for Gold Loan

Send us your query

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.
Restartindia - Interest Free Gold Loan
24x7 Express Gold Loan
Money, Anytime Anywhere Instantly into your Bank Account

Register Now

Branch Locator

Find your nearest Muthoot FinCorp branch now

Need Help?

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

Sprite Image

Beware of fraudulent job consultants

It has been brought to our notice that certain individuals are receiving fraudulent emails, phone calls, and messages, etc, about job vacancies with Muthoot FinCorp and they are also being asked to deposit money in certain bank accounts.

Please be informed that such communications and practices are completely mala fide and sent with an intent to defraud the public and bring disrepute to the goodwill of our Company. Our Company does not ever demand any fee/money against recruitment nor for the application/interview process.

The public at large is hereby cautioned not to be misled by any such communications received through emails, message or any other communication mode.

Please contact us for further information about the genuineness or otherwise of such communications at:

Muthoot FinCorp Ltd.

MG Road, Near Spencer's, Trivandrum - 695 039

Phone: 0471 4911550 / 0471 4911430

Email: [email protected]