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Jewel loan
Integrated bill payment platforms have brought much more ease to the way utility bill payments traditionally happen. The ease of transferring money or paying bills anytime anywhere as per your convenience eliminates the need for waiting in long queues at the bank or the service facility. Muthoot Finance, being a leader in financial services, offers money transfer/bill payment services to customers. Our superfast service - Bharat Bill Payment System (BBPS) can be availed at all our branches pan India.
An Overview of BBPS
Bharat Bill Payment System is an integrated bill payment platform by the Government of India. It offers interoperable and accessible bill payment services to customers through a network of registered members referred to as Agent Institutions (AI).
Our customers can leverage this money transfer/bill payment facility to pay their utility bills, including gas bills, electricity bills, water bills, among other paid services they make use of as a part of their living.
Further, the platform enables multiple payment modes and provides instant confirmation of payment to the users. This unified system brings banks, non-banking financial institutions (NBFI), and existing bill aggregators into one place to work as Operating Units and facilitate an interoperable bill payment system. Payments can be made through BBPS using cash, cheques and online modes. Besides, it also has an integrated Unified Payments Interface (UPI) that enables safe and secure online transactions directly from your bank without any hassle.
Gold Loan Schemes
MUTHOOT
ONE PERCENT LOAN
- Small loans at low interest rates.
- Loan Amount: ₹1,500 to ₹50,000
MUTHOOT
PREMIER LOAN
- Maximum loan value & reasonable interest rates.
- Loan Amount: Starting at ₹1 Lac
MUTHOOT
ULTIMATE LOAN (MUL)
- Maximum loan value and discounts on timely interest payments.
- Loan Amount: Starting at ₹1,500
MUTHOOT
OVERDRAFT SCHEME (MOS)
- Ideal for Business owners.
- Loan Amount: ₹2 Lacs to ₹50 Lacs
MUTHOOT
DELIGHT LOAN
- Loans up to ₹2 Lacs with lower interest rates.
- Loan Amount: Starting at ₹1,500
MUTHOOT
MAHILA LOAN
- Special loan scheme for women that’s available at South India branches.
- Loan Amount: ₹1,500 to ₹50,000
MUTHOOT
ADVANTAGE LOAN
- Competitive per gram and interest rates.
- Loan Amount: ₹1,500 to ₹5 Lacs
MUTHOOT
SUPER LOAN
- Maximum loans and discounts on timely interest payments.
- Loan Amount: ₹1,500 to ₹99,900
MUTHOOT HIGH VALUE
LOAN PLUS (MHP)
- Loans curated for the business community.
- Loan Amount: Starting at ₹5 Lacs
MUTHOOT
HIGH VALUE LOAN (MHL)
- Loans which are ideal for longer periods.
- Loan Amount: Starting at ₹3 Lacs
SUPER
SAVER SCHEME (SSS)
- A loan where savings are the first priority.
- Loans Amount: Startng at ₹1.99 Lacs
MUTHOOT
ONE PERCENT LOAN
- Small loans at low interest rates.
- Loan Amount: ₹1,500 to ₹50,000
MUTHOOT
PREMIER LOAN
- Maximum loan value & reasonable interest rates.
- Loan Amount: Starting at ₹1 Lac
MUTHOOT
ULTIMATE LOAN (MUL)
- Maximum loan value and discounts on timely interest payments.
- Loan Amount: Starting at ₹1,500
MUTHOOT
OVERDRAFT SCHEME (MOS)
- Ideal for Business owners.
- Loan Amount: ₹2 Lacs to ₹50 Lacs
MUTHOOT
DELIGHT LOAN
- Loans up to ₹2 Lacs with lower interest rates.
- Loan Amount: Starting at ₹1,500
MUTHOOT
MAHILA LOAN
- Special loan scheme for women that’s available at South India branches.
- Loan Amount: ₹1,500 to ₹50,000
MUTHOOT
ADVANTAGE LOAN
- Competitive per gram and interest rates.
- Loan Amount: ₹1,500 to ₹5 Lacs
MUTHOOT
SUPER LOAN
- Maximum loans and discounts on timely interest payments.
- Loan Amount: ₹1,500 to ₹99,900
MUTHOOT HIGH VALUE
LOAN PLUS (MHP)
- Loans curated for the business community.
- Loan Amount: Starting at ₹5 Lacs
MUTHOOT
HIGH VALUE LOAN (MHL)
- Loans which are ideal for longer periods.
- Loan Amount: Starting at ₹3 Lacs
SUPER
SAVER SCHEME (SSS)
- A loan where savings are the first priority.
- Loans Amount: Startng at ₹1.99 Lacs
-
GOLD LOAN SCHEMES
Avail the best interest rates and quick loan disbursals with Muthoot Finance.
Get More Details
Service Charges relating to Gold Loan
| SL No. | Type of Charges | Corporate | Rate of charges applicable | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Service charges -Fresh loan- Rate applicable on loan amount (IPL) |
Southern Branches |
IPL (1%) ( For 12 months period only) | ||||||||||
| 2 | Service charges -Fresh loan- Rate applicable per account (ZIL/ZIP) |
ALL |
ZIL/ZIP-Rs.50/loan | ||||||||||
| 3 | Service charges -Fresh loan - Rate applicable per account (MBD/MBE) |
Rest of India |
MBD/MBE-Rs.2,500/loan | ||||||||||
| 4 | Security charges- Fresh loan |
Rest of India |
0.15% of loan amount- Minimum Rs.60/- and Maximum Rs.600/- | ||||||||||
| 5 | Token charges- (For schemes except given in Sl no.1, 2, 10 & 11) |
Southern Branches |
Loan up to Rs.10000/- -->Rs.10/- and Above Rs.10000/- -->Rs.20/- | ||||||||||
| 6 | SMS charges |
ALL |
Rs.5/per quarter at the time of closure or renewal | ||||||||||
| 7 | Notice Charges (Applicable for loans under all schemes) |
Southern Branches Rest of India |
3 ordinary notice Rs.30/each and 4th notice-Registered-Rs.100/- 3 ordinary notice Rs.30/each and 4th notice-Registered-Rs.100/- Auction Notice charges Rs.120/- |
||||||||||
| 8 | Token lost charges (Applicable for loans under all schemes) |
ALL |
Rs.25/-(in addition to cost of stamp paper applicable) | ||||||||||
| 9 | Stamp duty levied by State Governments |
States🡪Karnataka , Andhra and Rajasthan |
Actuals where ever applicable | ||||||||||
| 10 | GCS |
Southern Branches |
1.Rs.999/- per 6 months (in case the limit is not used over a period of 6 months) 2.If the transaction is through branches then Rs.99/- per transaction |
||||||||||
| 11 | GCL |
Rest of India |
1.Rs.999/- per 6 months (in case the limit is not used over a period of 6 months) 2.Part release charges of Rs.499/- per transaction 3.If the transaction is through branches then Rs.99/- per transaction |
||||||||||
| 12 | Loan @ Home charges |
ALL |
Upto Rs.500/- for loan @ home services | ||||||||||
| 13 | Loan @ Home charges |
ALL |
|
||||||||||
| 14 | Door to Door collection charges (Follow up for interest / loan recovery) |
Southern Branches |
Rs.150/- plus GST per customer for recovery made through customer follow up visit |
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Ask an Expert
NORTH, EAST & WEST INDIA TOLL-FREE NO.:
1800 313 1212
SOUTH INDIA CALL CENTER NO.:
99469 01212
WRITE TO US:
mails@muthootgroup.com
BRANCH TIMINGS:
Mon-Sat, 9:30 AM to 6 PM
Refer a Friend*
Refer a friend & get a Chance to
Win Exciting Muthoot Finance Merchandise
Ask an Expert
NORTH, EAST & WEST INDIA TOLL-FREE NO.:
1800 313 1212
SOUTH INDIA CALL CENTER NO.:
99469 01212
WRITE TO US:
mails@muthootgroup.com
BRANCH TIMINGS:
Mon-Sat, 9:30 AM to 6 PM
FAQs
A loan given against your gold jewellery is usually known as gold jewel loan. The most common type of loan against jewellery is gold loan. Here, the borrower takes the loan against his/her gold ornaments and jewellery, at a set interest rate. Once the loan is paid along with the interest in the given tenure, the gold articles (ornaments and jewellery) are then released and given back to the borrower. Muthoot Finance offers jewel loans at the lowest interest rates in India, along with excellent benefits that make your experience satisfactory.
At Muthoot Finance, we believe in making customer experience smooth and satisfactory. We offer an online gold loan calculator, using which our customers can find out their jewellery loan eligibility and other basic details. Adding to this, the process is very seamless with minimal documentation, low interest, flexible repayment tenure, and so on. We also make the disbursal of jewellery loan quick and easy, taking our customer experience a notch higher.
With Muthoot Finance’s loan against gold jewellery, you don’t have to worry much about the documentation process. We believe in making customer experience better with us. Hence, a hassle-free process is offered. To avail our loan against gold jewellery, you need minimal documentation like, some basic KYC documents, proof of gold jewellery ownership, and so on. For more details, get in touch with us now.
For Muthoot Finance’s loan against jewellery, there are two factors that affect the jewel loans, namely – eligibility and value of gold per gram for jewel loan. While the eligibility criterion is depended on the weight and purity of the customer’s gold jewellery; the value of gold per gram for loan against jewellery depends on the purity (22, 24, etc., karats) and the rate of gold on the particular day.
Getting jewel loan at low interest rates with Muthoot Finance is easy. Our gold loan interest rates are set at low costs, which make it convenient for customers to avail a loan for their requirements. We also offer various schemes for gold loan that are curated keeping in mind the customers’ ease. They can choose the best suited one at their convenience. For more details on jewel loan at low interest rates, kindly get in touch with us.
Muthoot Finance is one of the leading non-banking financial corporations in India for loan against gold jewellery. Availing Muthoot Finance’s jewel loan will give you a plethora of benefits. Minimal documentation, low interest rates, quick disbursal of loan, flexible repayment tenure, 24x7 customer care support, and various gold loan schemes are some of the major benefits that are offered by us.
The amount of loan against gold ornaments at Muthoot Finance depends on the weight and purity of the gold jewellery, and the rate of gold in India on that particular day. We offer an online gold loan calculator, using which our customers can calculate the amount of loan that they can avail. Customers have to just update some basic details on the calculator and an estimated amount for loan against gold ornaments will be shown. However, for the exact calculation, please visit your nearest Muthoot Finance branch and we will assist you with the rest.
For availing Muthoot Finance’s jewel loan, the main criterion is the weight of your gold ornament and its purity. We offer an online loan calculator that allow customers to calculate the weight, purity, and the EMI amount. Customers will have to put in basic details like type of gold, etc., basis which the eligibility will be shown. For the exact calculation and eligibility of Muthoot Finance’s jewel loan, please get in touch with us.
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services we provide
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