Muthoot FinCorp ONE

Muthoot FinCorp ONE is an all-in-one financial app for loans, investments, savings, insurance, payments, and money transfer services. An SBU of Muthoot FinCorp Ltd., it is backed by a legacy of 138+ years & the trust of more than 1 crore customers.

🚀 All Your Financial Needs in One App

🔸 Loan Marketplace

Apply for multiple financial products offered by RBI-regulated banks and NBFCs, including:

• Gold Loan

• Two-Wheeler & Used Car Loan

• Housing Loan

• Personal Loan

• Business Loan

• Education Loan

• Loan Against Property

• Loan Against Mutual Funds

• Credit Cards

Muthoot FinCorp ONE app acts as a loan marketplace/loan facilitator, not a direct lender. All loan decisions, interest rates, APR, processing fees & eligibility are determined solely by the respective regulated lender.

🔸 Gold Loan Services

• Apply for Gold Loan Prime

• Get a Gold Loan at branch

• Apply for Gold Loan top-up

• Check eligibility & Gold Loan value

🔸 Savings & Investment Products

• Buy eSwarna Digital Gold• Invest in Swarnavarsham

• Book Fixed Deposits

• Invest in NCDs

• Open Demat & Equity Account

🔸 Insurance Marketplace

Compare & buy insurance plans from regulated insurance partners:

• Personal Accident & Critical Illness

• Health & Medical Cover

• EMI/EDI Protection

• Daily Hospicash

• Cyber Insurance

• Motor & Life Insurance

🔸 Payments

• Do Mobile/DTH recharges

• Pay Utility bills

• Make Credit Card bill payments

🔸 Forex & Money Transfer

• Buy Forex currency

• Apply for Forex card

• Send money abroad

• Make Indo-Nepal & Domestic Money Transfer

🔸 Additional Features

• Credit Score check (via licensed credit bureau)

• Muthoot Blue Rewards & Referrals

Loan Terms & Conditions

Gold Loan

● Loan Amount: ₹1,000 (min) to maximum as per policy

● Tenure: 180–365 days

● Interest Rate: 11.99%–30% p.a.

● Processing Fee: 0%–0.3%

● Foreclosure Fee: Nil

● Representative Example:

Gold Loan Example: For a ₹5,00,000 loan at 12.99%* annual interest, a customer paying only interest every 30 days for 270 days will pay ₹48,045 as interest. The processing fee is ₹25 (including GST); the total payable amount is ₹5,48,070 by the end of the 270-day tenure. Principal repayment is flexible within the 270-day tenure.

*Note: Figures may vary with gold rates & schemes.

Final rates depend on the Gold Loan scheme & gold rate per gram.

Personal Loan

● Loan Amount: ₹20,000 to ₹1 Cr

● Repayment Tenure: 6 to 96 months

● Rate of Interest: 10.5% to 30%

● Processing Fees: Up to 3.54% of loan amount (incl. of applicable taxes)

● Representative Example:

A loan of ₹1,00,000 at an interest rate of 14% p.a. for 12 months results in an interest amount of ₹7,745 (reducing balance method), with a processing fee of 3.54% (₹3,540) & other charges of ₹200. The total amount to be repaid after a year is approximately ₹1,11,485. Note: This is an estimate; actual interest rate & processing fees may vary depending on the product.

Note: Interest rates and processing fees vary based on eligibility and loan product.

🏦 Partner Banks, NBFCs & Insurers

All products on Muthoot FinCorp ONE (apart from eSwarna Digital Gold & Swarnavarsham) are offered by RBI-regulated Banks/NBFCs and IRDAI-regulated insurance companies.

Please read the complete and updated list of partner institutions published on our official website:

👉 https://muthootfincorp.com/regulatory-and-compliance

📞 For Assistance: Call 1800 102 1616

📩 Email: customercare@muthoot.com

🔗 Privacy Policy: https://muthootfincorp.com/privacy-policy

🏛 Legal Entity: MUTHOOT FINCORP LIMITED