Minimum loan amount @ ₹1000*
Attractive Interest Rates
Schemes based on Consumption & Income Generation Purpose
Minimum documentation & Hassle-free process
We ensure safe storage of your Gold in our Highly Secure Locker
Super Value
Gold Loan Scheme designed to suit day-to-day and emergency needs of the customer by providing easy and quick liquidity
Easy Max
Gold Loan Scheme designed to suit emergency as well as short to medium term life cycle needs/business needs of the customer.
Easy Pro
High Value Gold Loan Scheme designed to suit emergency and life cycle needs/business needs of the customer.
Restart India Pradhan
Gold Loan Scheme designed to suit the high value life cycle needs/business needs of the customer- For high value fund requirements in the order of Rs. 5Lakhs & above.
Easy Scale Up
Gold Loan Scheme designed to suit the large value life cycle needs/business needs of the customer - For high value fund requirements in the order of above Rs. 10Lakhs.
Approach for Gradation of Risk
The Company adopts a risk-based pricing framework wherein the interest rate charged to borrowers is commensurate with the level of risk associated with each exposure. The objective is to ensure that pricing adequately reflects the credit, operational, and market risks while remaining competitive, is compliant with regulatory expectations and avoids discriminatory or arbitrary practices.The Company considers a combination of quantitative and qualitative factors for risk gradation, including
1. borrower profile (borrower history, income stability and nature of employment, relationship with the Company and past conduct),
2. characteristics of the product like secured or unsecured loan, quality of collateral (Loan to Value Ratio and liquidity of collateral), and
3. macro economic factors impacting the borrower segment.
4. Prevailing market conditions and competitive dynamics
The final interest rate charged to the borrower comprises:
• Base/Benchmark Rate (cost of funds, operating expenses, and margin)
• Risk Premium (linked to the borrowers risk category)
• Product-specific adjustments (if any)
KYC Documents
Passport
Driving License
Aadhaar Card
Voter's ID Card
Address Proof
Electricity or Water Bill
Voter's ID Card, Aadhar Card
Rent agreement, Bank Statement
Age Criteria
Age between 18 years (at the time of application) and 80 years (at the end of the loan tenure)
Purity of Gold
Ownership
Repayment Capacity
Loan Amount
Gold Loan Calculator
Tentative Maximum Eligible Loan Amount
Today Gold Rate: ₹Fetching... / g
Please Note
The estimated loan amount is arrived at by applying applicable LTV ratio on the ornament value based on the Reference Price.The Reference price for a specific purity of Gold shall be taken as the lower of (a) the average closing price for gold of that specific purity over the preceding 30 days, or (b) the closing price for gold of that specific purity on the preceding day, as published by the India Bullion and Jewellers Association Ltd.
The estimated value shown by the Calculator here is based on 22 carat gold value. During actual assessment at Branches , for cases with lower purity , the value will be proprtionately reduced.
The applicable LTV will be as per regulatory guidelines from time to time.
Details are approximate. The final eligible amount will be subject to appraisal at the branch & repayment capacity of the borrower. Visit your nearest Muthoot FinCorp branch for exact details.
Website
Click on the Apply Now button.
Fill in the application form and hit the submit button.
Our representative will get in touch with the applicant instantly to take the process forward.
Mobile App
Click on the Apply Now button.
Fill in the application form and hit the submit button.
Our representative will get in touch with the applicant instantly to take the process forward.
At Branch
- Deposit your gold ornaments at a Muthoot FinCorp branch near you.
- Sign up for the Online Gold Loan Service and link your savings bank account.
- 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.
Release of Ornaments After Closure of Loan to the Legal Heir in Deceased Cases
- Any Indian citizen between the age group of 18–80 years with valid KYC(ID and Address proof).
- Gold Purity should be :18-22 Karat.
You can visit our nearest branch for availing the facility. You can also give a missed call to 8086980869 and we will get back to you shortly for guiding you. You can also experience the ease of obtaining a Gold Loan from the comfort of your home with our Muthoot FinCorp ONE App .
Would You like Any Assistance?
I am very much thankful to Muthoot FinCorp Bandel Branch and their employees for their quick support during my friend’s road accident. We needed urgent cash for my friend’s surgery. Mutho...
There was a shortfall of fund while I was constructing my house, so I took a gold loan from Muthoot Fincorp which was quick, easy and transparent and I was able to construct my dream home. I have b...