Muthoot FinCorp ONE

Description

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

The 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
-Apply for Two-Wheeler, Used Car Loan, Housing Loans, Business Loan, Education Loans, Loan Against Property, Loan against Mutual Funds & Credit Cards
● Investments & Savings: Get eSwarna Digital Gold, apply for Swarnavarsham scheme, invest in Fixed Deposits & Muthoot FinCorp Ltd.’s Non-Convertible Debentures (NCDs). Create a Demat Account.
● Insurance: Get coverage for Personal Accident, Critical Illness, EMI Protection & Daily Hospicash. Purchase various insurance policies such as Cyber Insurance, Muthoot Dhan Suraksha & Muthoot Health Guard.
● Bill Payments: Make utility bill payments, credit card bill payments & do recharges.
● Forex & Money Transfer: Get forex currency, forex cards, send money abroad, & make Indo-Nepal & Domestic Money Transfers.
● Other offerings: Muthoot Blue Rewards, Referral and Credit Score (fetch & monitor).

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.

These 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. and L&T Finance Ltd.
● Motor & Life Insurance by Muthoot Risk Insurance & Broking Services
● eSwarna Digital Gold & Swarnavarsham by Muthoot EXIM Pvt. Ltd.
● Business Loan by Tata Capital Ltd.
● Education Loan by Credila Financial Services Ltd. & Tata Capital Ltd.
● Credit Cards by AU Small Finance Bank Ltd., Yes Bank Ltd., Axis Bank Ltd., SBI Cards & IDFC First Bank Ltd.
● Fixed Deposit by Bajaj Finance Ltd. & LIC Housing Finance Ltd.
● Loan Against Mutual Fund by Bajaj Finance Ltd. & DSP Finance
● Personal Accident, Critical Illness, Hospicash & EMI/EDI Protect Cover, Cyber Insurance offered by Acko General Insurance
● Dhan Suraksha offered by Acko General Insurance & Tata AIG General Insurance Company
● Health Guard offered by Tata AIG General Insurance Company
● Credit Bureau score offered by CRIF

📞 For Assistance: Call 1800 102 1616   
📩 Email: customercare@muthoot.com   
🔗 Privacy Policy: https://muthootfincorp.com/privacy-policy   
🏛 Legal Entity: MUTHOOT FINCORP LIMITED