Muthoot FinCorp ONE

Muthoot FinCorp ONE is an all-in-one financial app for loans, payments, forex, money transfers, insurances, savings & investment. An SBU of Muthoot FinCorp Limited, Muthoot FinCorp ONE is backed by a legacy of 137+ years & the trust of more than 1 crore customers.

Muthoot FinCorp ONE App Offers:

● Loan Marketplace

- Apply for Gold Loan via missed call, opt for Gold Loan from Home, or visit any of Muthoot FinCorp Ltd.’s 3,700+ branches pan-India

- Also apply for Personal Loans, Two-Wheeler, Used Car Loan, Housing Loans, Business Loan, Education Loans, Loan Against Property & Credit Cards

● Investments & Savings: Get eSwarna Digital Gold, apply for Swarnavarsham, Muthoot FinCorp Ltd.’s Non-Convertible Debentures (NCDs) and create Demat Account

● Insurance: Apply for Motor & Life Insurance. Get Coverage for Personal Accident, Critical Illness, EMI Protection and Daily Hospicash

● Bill Payments: Make utility bill payments, Credit card Bill payments & do recharges

● Forex & Money Transfer: Get Forex currency & make Indo-Nepal & Domestic Money Transfers

● Muthoot Blue Rewards: Collect reward points on eligible products. Enjoy exclusive benefits across different membership tiers & redeem points to shop from 1,800+ products, get deals, & vouchers

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 in interest. The processing fee is ₹20 (including GST) & is deducted at time of disbursal. Total payable amount is ₹5,48,045 at the end of 270 days tenure. Principal repayment is flexible within the 270-day tenure.

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

Note: Final rates depend on the gold loan scheme & gold rate per gram.

We do not provide any PayDay loans or loans with less than a 61-day repayment period by Appstore Policy.

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 (interest rate on a 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.

Following products are provided by:

● Two-Wheeler & Used Car Loans by M/S Muthoot Capital Services Ltd.

● Housing Loans by M/S Muthoot Housing Finance Company Ltd.

● Motor & Life Insurance by Muthoot Risk Insurance & Broking Services

● eSwarna Digital Gold & Swarnavarsham by Muthoot EXIM Pvt. Ltd.

● Equity Trading Account creation by JM Financial Ltd.

● Personal Loan by Bajaj Finserv & Tata Capital Ltd.

● Education Loan by Credila Financial Services Ltd.

● Credit Cards by SBI Cards , IDFC bank & AU Small Finance Bank

● Business Loans by Muthoot FinCorp Ltd. & Tata Capital Ltd.

📞 For Assistance: Call 1800 102 1616

📩 Email: customercare@muthoot.com

🔗 Privacy Policy: muthootfincorpone.com/privacy-policy

🏛 Legal Entity: MUTHOOT FINCORP LIMITED