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, Daily Hospicash and Cyber Insurance

● Bill Payments: Make utility 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: 9.95% - 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.


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
● Education Loan by Credila Financial Services Ltd.
● Credit Cards by SBI Cards
● Cyber Insurance by Acko General Insurance Pvt. Ltd.