Make Your Gold Work
Quick Approval
Direct Bank Transfer
11.99%* p.a.
(0.99%* p.m.)
Low Interest Rates
Seamless
At Home Service
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Know Your Gold’s Worth, Instantly
Use our Gold Loan Calculator to unlock the value of your gold, right here, right now.
Gold loan Calculator
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Loan to Value: ₹0/gm**
Note: Gold prices fluctuate daily, hence your final Gold Loan amount will be based on the maximum Loan To Value (LTV) of your gold jewellery appraised on that particular day along with the scheme you select.
**Loan-To-Value (LTV) is calculated based on the purity of gold in the gold ornaments. It is also subject to change depending on the customer's location/MFL branch where the gold loan account is opened.
Gold Loan Plans Customers Prefer The Most
Choose a plan to cover your finances
Your Gold is Safe at All Times, Straight Into Our Vault
Relationship Managers are OTP-verified
Gold stored at Muthoot FinCorp branch near you
BIS Standard 9400 compliance for gold storage & safety
Gold is insured & tracked during transit
Why Muthoot FinCorp ONE
Muthoot FinCorp ONE comes with the Muthoot Pappachan Group's (Muthoot Blue) trademark trust and customer service, powered by our team of dedicated finance experts always willing to serve you.
135 years+
of legacy
Trust of over 1 Cr.
customers
4500+ branches
across India
The Customer Is Always Right
Trust is a key component to the way we treat our customers
Mithun
Corporate Professional
Soundhary
Homemaker
Santosh
Engineer, major IT firm
The All-In-One
Financial App
You can get Gold Loans, buy eSwarna Digital Gold, and trade in Forex with the Muthoot FinCorp ONE app whenever and wherever you want. You can expect more updates, more services, and more of what Muthoot FinCorp does best: make life easy for you.
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Frequently Asked Questions
What is a Gold Loan Prime?
Gold Loan Prime is a personalised Gold Loan experience for Muthoot FinCorp Ltd. Customers, where a Dedicated Relationship Manager supports you end-to-end in your loan journey. The Dedicated Relationship Manager visits your home to help you complete your KYC and generate a Provisional Loan Offer. They then guide you to the assigned Muthoot FinCorp Ltd. branch to assist with gold valuation, loan approvals, and disbursal.
**Available in selected cities
What are the benefits of getting a Gold Loan Prime?
The benefits of getting a Gold Loan Prime are as follows:
• One dedicated Relationship Manager for the entire loan journey
• Secure home visit for KYC and provisional loan offer
• Clear guidance on loan eligibility and applicable schemes
• Priority, queue-free assistance at the branch
• Seamless digital approvals on the Muthoot FinCorp ONE app
• Faster processing and direct disbursal to your bank account
How is a Gold Loan Prime different from a traditional Gold Loan?
Unlike a traditional Gold Loan where you manage the process on your own at the branch, Gold Loan Prime provides a Dedicated Relationship Manager who:
• Visits your home for KYC and provisional loan generation
• Guides you through scheme selection
• Meets and assists you at the branch for valuation and approvals
This makes the process more convenient, guided, and premium.What are the different Gold Loan schemes available for Gold Loan Prime?
Muthoot FinCorp Ltd. offers a variety of Gold Loan schemes to suit the diverse needs of our customers. At the time of provisional loan generation at your home, you will be presented with multiple Gold Loan scheme options. Your Dedicated Relationship Manager will explain each scheme in detail, helping you choose the one that best suits your financial needs.
Will the same Dedicated Relationship Manager assist me at home and as well as the branch?
Yes. The same Dedicated Relationship Manager who visits your home will meet and assist you again at the assigned Muthoot FinCorp Ltd. branch, ensuring continuity and a seamless experience.
In which cities are Gold Loan Prime available?
Gold Loan Prime is currently available in the major cities of India. The service will be rolled out in additional cities soon.
Do I need a bank account to get a Gold Loan Prime?
Yes, you must have a Muthoot FinCorp Ltd. Unique Customer Identification Code (UCIC) along with a valid and active bank account to avail a Gold Loan. This is required as the loan amount is transferred directly to the bank account shared with us.
How do I trust the Muthoot FinCorp ONE Relationship Manager visiting my house?
Following are the steps we take to ensure you a hassle-free experience:
• The name and employee code of your Dedicated Relationship Manager are updated on the Muthoot FinCorp ONE app on the day the appointment is scheduled.
• Then, an SMS with the same information is sent to your registered mobile number.
• Once the Dedicated Relationship Manager reaches your home, they will share an OTP that you need to enter on the app to start the loan process.
