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gold loan Interest Rate
What is an International Money Transfer?
An international money transfer takes place when money is sent directly to the bank account of a person or business abroad. International money transfers can be made with the help of a bank, an international money transfer service, online platforms or individual agents. Usually, international money transfers can be completed within days, exchanged in multiple currencies and made through offline and online digital banking applications. There are different types of international money transfer services available in India which makes it easy to do an international money transfer from the comfort of your home.
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
The gold loan interest rate at Muthoot Finance is dictated by several factors, such as the loan amount, loan tenure, loan required, and the value of the gold you can pledge with the bank. To check the current gold loan interest rate visit the Muthoot Finance website or rush to the nearest branch.
Muthoot Finance has many tools to navigate its customers in the process of availing of a gold loan. An applicant can use the online gold loan interest calculator on the Muthoot Finance website to give an approximate value of the interest rate. The online EMI value depends upon the interest rate and the tenure of the gold loan the applicant has chosen.
At Muthoot Finance, you can get the lowest interest rate on gold loans and the minimum loan amount that can be availed is INR 1,500. Simply choose from the several gold loan schemes available on the website depending on the loan amount and tenure of the loan.
The repo rate is directly proportional to the floating rate of the gold loans. If there is a cut in the repo rate, the Muthoot Finance gold loan interest rate also gets lower down. If the gold loan amount is offered at a fixed rate, the repo rate does not affect the interest rate of a Gold Loan in Muthoot Finance.
Muthoot Finance offers the gold loan at the best interest rates. The applicant does not only have to pay the interest on the gold loan but there are additional service charges that have to be paid by the customer.
Apart from the best gold loan interest rates, the additional charges are very nominal and are listed on the Muthoot Finance website.
At Muthoot Finance, all gold loan repayments are inclusive of interest rates. The minimum gold loan amount that an applicant can get from Muthoot finance is INR 1,500 without any maximum limit.
Muthoot Finance offers the Rural Gold Loan for farmers to provide financial assistance to people in the rural areas. The interest rate for this gold loan depends on the value and purity of the gold pledged with the bank. Applicants can avail attractive interest rates by visiting the Muthoot Finance website or going to the nearest Muthoot Finance branch.
The interest rate of the gold loan depends upon the type of loan scheme availed and its tenure.
Interest is compounded monthly at the applicable rate for each slab. Loan tenure is 12 months for a normal Gold Loan scheme. Minimum Interest Rate starting from 9% p.a. if interest is serviced monthly.
Interest rate depends on a lot of factors like Repo Rate. If there is a cut in the repo rate, the Muthoot Finance gold loan interest rate also gets lower down. If the gold loan amount is offered at a fixed rate, the repo rate does not affect the interest rate of a Gold Loan in Muthoot Finance.
Minimum loan amount of Rs 1,500/- and Maximum loan amount upto Rs.5 Crore.
A gold loan does not have a minimum CIBIL score requirement. The security of your collateral and its quality are significantly more important in achieving quick approval because this is a secured loan. Those who need money but have bad credit can get help from a gold loan.
The bank or lender can charge penalties for late payment of EMIs depending on the amount from the due date of the loan repayment.
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