At Muthoot Finance, we are committed to offering the best of services to our customers. With the Loan@Home service, we offer our customers the flexibility of availing a gold loan at the comfort and privacy of their home. The starting range of our gold loan is ₹ 100,000 and there is no maximum limit set, giving customers the ease of availing the loan according to their needs. While we offer instant loan disbursement to the customer’s bank account or give instant cash up to ₹ 2 lakh; we also offer easy loan repayment options, keeping the convenience of our customer’s in mind.

Repayment of Loan

Customers can pay the loan online through a range of digital payment services including Loan@Home mobile application, WebPay facility and POS/Swipe machines. The tenure of repayment depends on the scheme that the customer chooses. However, the minimum tenure of the gold loan repayment is 7 days and the maximum tenure ranges from 12 months to 36 months, based on the scheme.

Partial or Part Repayment

  • At Muthoot Finance, we also offer part repayment facility. Customers can make a part payment of the loan along with the interest charged*.
  • The amount can be paid online using the Loan@Home mobile application.
*For exampleif the gold loan borrower has availed a loan of ₹ 1 Lakh for 3 months, he/she can pay an interest of say 20 days and an additional amount of ₹ 10,000 which will be considered as part payment of the loan. The amount is adjusted from the principal amount and further, interest will be charged only on the remaining amount of ₹ 90,000.

Digital Services that Customers can Avail

  • Loan@Home
    Mobile App
  • POS / Swipe
    Machines
  • Aadhaar Card
    Enabled E-KYC
  • WebPay Facility
  • Muthoot Digital

Benefits of Availing Loan@Home Service

  • Doorstep gold
    loan service
  • Instant money
    transfer
  • At-home gold jewellery evaluation
  • Lowest interest
    rate
  • A comprehensive
    range of schemes
  • 100% safety
    assured
  • Strong rooms for
    the safe custody of
    gold ornaments
  • 24×7 customer
    service facility
    available

Customers can check for their gold loan eligibility and other details of the gold loan in the loan policy section. They can also avail the benefit of using the gold loan calculator to check for the loan amount that will be sanctioned based on their gold ornament or the net weight of gold jewellery required for the desired loan amount. To know more, click here!

Any questions

we are here to help.

Additional Faqs
Frequently Asked Questions

If you get stuck somewhere

Do I need to repay the entire loan amount or just the interest on it?

Your loan repayment would include the principal loan amount and the interest that is levied on this loan amount. We constantly strive to offer our customers with a hassle-free experience and the best of services. With the ‘Loan@Home’ service, you are eligible to get a gold loan at the lowest rate. For more information, feel free to get in touch with us.

What is the tenure for the repayment?

Keeping the convenience of our customers in mind, we offer flexible tenure options that our customers can select from. There are different schemes that range from 6-months tenure to 12-months and more. It also depends on the loan amount that you request for and the interest rate levied on it.

What is part-payment of the loan? Is the same available with the ‘Loan@Home’ service?

A part-payment (repayment) of the loan means repaying a portion of the borrowed amount before the tenure. There is no fixed amount for this. However, this amount is higher than the interest amount for the particular month. Part-payment of the loan helps in reducing the tenure, giving you some additional benefits.

Yes, with the ‘Loan@Home’ service, you can avail the part-payment or part repayment facility at your convenience. For further queries, please fill the callback form; our executive will get in touch with you at the earliest.

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