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   and get delivery at doorstep or branch
• Sell 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: 12%–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. f