Muthoot Finance Gold Loan

Muthoot Finance provides the general public of India with the most incredible and wonderful gold credit facility ever seen. This financier house is so much sought after by the general public of India owing to the ethics followed by the corporate house. They offer you exceptionally secure gold safe keeping facility, limited paper work, genuine evaluation of your gold, simple and speedy credit performance and much more. You can apply for gold loan in Muthoot at At our website, you can also access Muthoot EMI calculator and know Muthoot gold loan eligibility, gold loan features, documents required for gold loan, and gold loans interest rates in Muthoot for free.

While there is no restriction set on the highest amount available in loan form against gold ornaments, the minimum amount of loan that can be availed of against gold jewellery  is rupees fifteen hundred. provides all information regarding Muthoot Finance Gold Loan:

The Characteristics of Muthoot Finance Gold Loan Schemes:
Muthoot Overdraft Scheme (MOS)

The Muthoot Overdraft Scheme is designed to finance the development and expansion of all types of business as it puts the gold submitted as an “extra bank limit”. The scheme is especially tailor made for retailers, owners of petrol pumps, businessmen, traders, pharmacists, etc.

  • Advantage of a Free Locker for Gold Loan in Muthoot Finance:

Under this scheme free locker facility is provided to borrowers. The borrowers also have the liberty to withdraw money and repay the credit amount.

  • Lowest Sum Available for Gold Loan Muthoot Finance:

The minimum amount of money that is offered by Muthoot Finance to the borrowers against gold ornaments is two lakh rupees only.

  • Highest Sum Available for Credit:

Under this scheme of Muthoot Finance the highest amount of credit money offered to the borrowers is fifty lakh rupees only.

Muthoot Mahila Loan (MML

This special scheme by the Muthoot Finance is valid only at its own branches across the southern India. This scheme’s available exclusively to the women folk of India.

  • The Interest Rate for Muthoot Mahila Loan (MML)

Twelve percent per annum is the interest rate. The rate is in the discounted form by virtue of this MML scheme.

  • Lowest Amount of Credit Available:

Under this Muthoot Mahila Loan scheme, Muthoot Finance offers the women borrowers a minimum sum of rupees fifteen hundred only against the gold they keep as a wager.

  • Highest Amount of Credit Available:

Under the scheme, the highest amount of credit given to the women borrowers is rupees fifty thousand.

Muthoot EMI Scheme (MES)

This Muthoot EMI Scheme is suited for individuals who earn salary and also the professionals wishing to avail credit facility against gold & prefer to repay them in the form of Equated Monthly Instalments.

  • Grace Term:

A period of three days of grace is allowed in case the salaried borrower fails to pay a gold loan EMI.

  • Highest Quantity Of Sum Available:

There’s no limit for the maximum amount of credit sum offered to the borrowers.

  • Lowest Amount of Credit Available:

The minimum quantity of credit available to customers against gold is rupees twenty lakh.

  • Rate of Interest Offered As Per the Muthoot EMI Scheme(MES) :

On the basis of reducing balance, the rate of interest applicable is

twenty one percent p.a.  

Loan Term:

Thirty six months, thirty months, twenty four months, eighteen months, twelve months & six months are the loan periods among which borrower can choose any one.

Muthoot Best Value Loan (MBL)

An excellent amount of interest is offered on the amount of loan required. The customers from lower and middle economy will find this scheme beneficial. 

  • Interest Rate For The Scheme:

Fourteen percent per annum is the rate of interest given to borrowers.

  • Highest Quantum of Credit:

The maximum amount of loan available is one lakh.

  • Lowest Quantum of Credit:

The lowest amount of credit that is given to borrowers is fifteen hundred.

Muthoot High Value Loan (MHL

The Muthoot High Value Loan scheme’s designed  for all the builders, retailers, traders, people who deal with property, businessmen  and all other individuals who desire to avail a loan against gold for a drawn out credit term.

  • Rate of Interest of Muthoot High Value Loan (MHL):

An extremely minimal rate (discounted) of seventeen percent per annum is available on the credit amount borrowed against gold ornaments/jewellery.

  • Highest Amount of Credit Available:

Under the MHL scheme there is no upper cap set by the Muthoot Finance house on the maximum credit available.

  • Lowest credit quantum:

Rupees three lakh is the minimum amount available.

Muthoot Super Loan (MSL):

It is for borrowers willing to get discounts for timely loan repayment and to avail greater credit in exchange for their gold.

  • Interest Rate:

Twenty three percent per annum. Two percent discount on regular payment, quarterly.  Regular payment of interest (monthly), one percent discount on current interest rate.

  • Lowest Loan Available: Fifteen hundred is the minimum amount provided.
  • Highest Loan Available: Rupees three lakh is the highest credit offered.
Muthoot Premier Loan (MPL):

It is for candidates willing to get discounts for regular interest repayment (monthly), and highest credit against their gold.

  • Interest Rate:

22.5 percent p.a. is the rate. Two percent discount on regular monthly payment, one percent discount on regular quarterly payment.

  • Highest Quantum:

No limit.

  • Lowest Quantum:

Rupees three lakh is the lowest amount.

Muthoot Advantage Loan (MAL):

Scheme is available in West, East and North India. Especially designed for the customers who want to avail greater credit on each gold gram and a high interest rate.

  • Interest Rate:

Eighteen percent p.a.

  • Lowest quantum:

Rupees three lakh is the lowest credit amount.

  • Highest quantum:

Rupees five lakh is the highest amount of credit given to a customer under this scheme.