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Muthoot Finance Gold Loan Interest Rate Today, 26 October 2026: Slabs, Per-Gram Cost & Schemes

Muthoot Finance gold loan interest rate 10.9% – 26% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹908 – ₹2,167 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹884 – ₹2,108 On ₹97,300 advance · gold price updated 2026-10-25

Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.

How much will an Muthoot Finance gold loan cost?

Two inputs decide what a Muthoot Finance pledge costs you: the slab you land in (10.9%–26%) and how you repay. Muthoot Finance offers 3 repayment shapes over 7 days to 36 months by scheme, and switching between them below changes the total more than a point of interest does.

A Patna shopkeeper at 7 pm with a supplier truck waiting: ₹1.8 lakh in twenty minutes against his wife’s bangles, repaid in nine days from sales — the exact emergency this counter was built for.

Muthoot Finance gold loan EMI calculator

Repayment structure
Monthly EMI
₹18,384
Total interest
₹20,603
Total repayment
₹2,20,603

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at Muthoot Finance's mid-board 18.5%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,596/mo₹2,508/mo₹1,820/mo
₹1,00,000 ₹9,192/mo₹5,017/mo₹3,640/mo
₹2,00,000 ₹18,384/mo₹10,033/mo₹7,281/mo
₹5,00,000 ₹45,959/mo₹25,083/mo₹18,202/mo

EMI figures at 18.5% — Muthoot Finance's mid-board slab. On a bullet structure the monthly outgo is interest only (₹1,542 a month on ₹1,00,000), with the principal due in full at closure.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹18,384 to ₹7,281, but you carry the pledge three times as long and pay roughly ₹41,508 more in total interest. Because an NBFC prices speed rather than patience, a long carry at Muthoot Finance is the expensive way to use it: the rate does not fall with time, so every extra month adds interest against jewellery you would rather have back.

How much gold loan can I get from Muthoot Finance?

Before the twenty-minute disbursal, do the two-minute arithmetic. This is what Muthoot Finance can advance against a given weight under RBI's tiered cap. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

Muthoot Finance gold loan amount calculator

Appraised value
₹2,59,466
LTV tier applied
85%
Eligible loan (max)
₹2,20,546

Indicative, on the 2026-10-25 reference of ₹14,163/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two Muthoot Finance-specific limits sit around that figure: it lends from ₹1,500 to no stated ceiling (₹1 crore+ handled), so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

Two deductions decide the gap between calculator and counter at Muthoot Finance — what the appraiser judges your purity to be, and how much of the gross weight is not gold at all. Plain chains and bangles survive both almost intact.

Where Muthoot Finance helps: tiny minimums (₹1,500) to crore-plus tickets on one counter. Where it does not: advertised low rates carry punctuality conditions — miss a month and the slab jumps.

One adjustment before you rely on it — deduct anything that is not gold. Beads, enamel, lac filling and stones all weigh, and none of them lends.

See Muthoot Finance gold loan per gram →
Today's gold rate, city-wise →

Muthoot Finance gold loan schemes

The 10.9%–26% band is not one product priced loosely. It is 3 distinct schemes, and which one you are sold decides both your rate and your repayment obligation. Asking for the right scheme by name is the single most effective thing a borrower can do at a Muthoot Finance counter.

Muthoot One Percent / low-rate schemes

Lower monthly rates for borrowers who service interest on time — discipline-priced products where the advertised rate survives only with punctual payment.

High-LTV convenience schemes

Maximum per-gram advance at higher rates — the emergency product bought for speed, meant to be exited fast.

Milligram-fine schemes

Ticket-tuned variants across the branch board; the scheme card, not the brand, decides your cost.

Repayment structures offered

  • •Interest monthly + principal anytime
  • •Bullet within scheme window
  • •Part-payments reduce interest daily

Charges beyond interest

  • •Minimal processing on most schemes
  • •Custody/handling on long dormancy
  • •Notice/auction charges only on default path
  • •MTM top-up calls if gold falls sharply

Processing: nil to nominal; scheme-defined.

Where Muthoot Finance is genuinely strong rather than merely available: unmatched speed and reach — the 20-minute gold loan is real, everywhere. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the bank tables on our hub will serve you better.

Is an Muthoot Finance gold loan cheaper than a personal loan?

Cheaper, yes — a gold loan is secured and a personal loan is not, and pricing follows collateral. But cheaper money against your jewellery is a different bargain from cheaper money against your signature.

Muthoot is India’s emergency-liquidity infrastructure, and judged as that it excels: nothing else converts household gold to cash as fast, as late, or as far from a city. Judged as term financing it’s expensive — which is the honest playbook: borrow here for speed, service interest punctually to hold your slab, and refinance to a bank counter if the loan is going to live past a season.

On ₹3 lakh, 24 months Muthoot Finance gold loan Unsecured personal loan
Indicative rate 10.9%–26% 10.5%–24%
EMI at the typical rate ₹15,050 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure 7 days to 36 months by scheme Up to 5–6 years

Against a personal loan, Muthoot Finance wins on access and speed rather than on price alone. For a borrower with no credit file or no time, those are the dimensions that decide it.

On the numbers above, the gold route costs roughly ₹-361 a month less on ₹3 lakh over two years — about ₹-8,664 in total.

Where an unsecured loan wins: it lasts longer, and failing it is survivable. Muthoot Finance's 7 days to 36 months by scheme limit forces short repayment, and the collateral is the part of household wealth people are least willing to lose.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares Muthoot Finance against every other counter on one table.

Muthoot Finance's ladder: what each rung actually buys

Gold-loan pricing is margin pricing: draw less against your ornaments and Muthoot Finance's cushion widens — a courtesy returned as basis points down the ladder below.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%10.9%₹908
~60–70%18.5%₹1,542
Max (75% cap)26%₹2,167

*Indicative framing of Muthoot Finance's 10.9%–26% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

The per-lakh column converts rates into grocery-math: ₹5 lakh drawn at Muthoot Finance's floor slab carries ₹4,540 of monthly interest; the same at the top slab, ₹10,835. If your gold comfortably covers the need, "quote me a lower-LTV scheme" is the cheapest sentence in gold borrowing.

Drawn@10.9%/mo@18.5%/mo@26%/mo
₹2 lakh ₹1,816 ₹3,084 ₹4,334
₹5 lakh ₹4,540 ₹7,710 ₹10,835
₹10 lakh ₹9,080 ₹15,420 ₹21,670

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
Muthoot Finance10.9%26%₹908
IIFL Finance 11% 27% ₹917
Manappuram Finance 9.9% 26% ₹825
CSB Bank 9.7% 13% ₹808

Bands overlap more than logos suggest — scheme choice inside Muthoot Finance's ladder often matters more than switching counters. Where a neighbour's floor genuinely undercuts, refinancing after release is routine.

Muthoot Finance full guide· Muthoot Finance per-gram· Rate today· All lenders

Muthoot Finance गोल्ड लोन — हिंदी में जानकारी

Muthoot Finance सोने पर कर्ज लगभग 10.9% से 26% सालाना की दर पर देता है, और अवधि 7 days to 36 months by scheme तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

Muthoot Finance गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

Muthoot Finance गोल्ड लोन की ब्याज दर कितनी है?
Muthoot Finance में सोने पर कर्ज की दर लगभग 10.9% से 26% सालाना के बीच रहती है, और यह इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। कम हिस्सा लेने पर जोखिम घटता है और दर नीचे वाली स्लैब में आती है। ₹1 लाख पर मासिक ब्याज ₹908 से ₹2,167 तक बैठता है। असली दर मंजूरी से पहले मिलने वाले Key Fact Statement में लिखी होती है — वही मान्य है।
Muthoot Finance से एक ग्राम सोने पर कितना लोन मिलता है?
Muthoot Finance प्रति ग्राम कितना देगा, यह तीन बातों से तय होता है: शुद्ध सोने का वजन (नग हटाकर), जाँच में निकली शुद्धता, और लोन की रकम किस LTV स्लैब में आती है। आज 22 कैरेट का संदर्भ भाव ₹12,973 प्रति ग्राम है, और ₹2.5 लाख तक के छोटे लोन पर सबसे ऊँचा 85% वाला स्लैब लगता है।
Muthoot Finance गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
फर्क सिर्फ सुविधा का नहीं, कुल लागत का है। EMI पहले महीने से मूलधन घटाती है, इसलिए ब्याज भी घटता जाता है। बुलेट में पूरी रकम आखिर तक चलती रहती है, इसलिए उसी दर पर कुल ब्याज ज्यादा बनता है। जिस दिन आप गिरवी रखें, उसी दिन तय कर लें कि मूलधन कहाँ से आएगा।
Muthoot Finance से गोल्ड लोन कितनी जल्दी मिल जाता है?
Muthoot Finance जैसी NBFC में सोना जाँचने से पैसा मिलने तक का काम अक्सर आधे घंटे में पूरा हो जाता है, और कई शाखाएँ रविवार को भी खुली रहती हैं। यही इसकी असली खूबी है। बदले में दर बैंकों से ऊँची रहती है — 10.9% से 26% तक। अगर आपको पैसा उसी दिन चाहिए तो यह कीमत समझदारी हो सकती है; अगर एक दिन रुक सकते हैं तो बैंक का काउंटर सस्ता पड़ेगा।
अगर मैं Muthoot Finance का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
सबसे पहले यह समझें कि नीलामी आखिरी कदम है, पहला नहीं। Muthoot Finance नोटिस देता है, समय देता है, और नीलामी की सार्वजनिक सूचना भी। फिर भी सुरक्षित रहने का तरीका सरल है — जितनी जरूरत हो उतना ही कर्ज लें, और गिरवी रखने के दिन ही तय कर लें कि चुकाना कब है।

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Muthoot Finance gold loan — FAQs

Why does Muthoot Finance charge different gold-loan rates on different schemes?
Each Muthoot Finance scheme sells a different margin of safety: draw 55–65% of your gold's value and the thick cushion earns you rates near 10.9%; insist on the full 75% advance and the thin cushion prices toward 26%. The board isn't inconsistent — it's a menu of that single trade.
What does a Muthoot Finance gold loan cost per month per ₹1 lakh?
Simple-interest arithmetic: at 10.9% that's ₹908/month per ₹1 lakh drawn; at 18.5%, ₹1,542; at 26%, ₹2,167. Multiply by your lakhs and the monthly carrying cost stops being abstract.
Are Muthoot Finance's advertised gold-loan rates guaranteed?
They're indicative by design — compiled from Muthoot Finance's public grids and market reporting, and subject to scheme and ticket. RBI's KFS requirement is your protection: the exact rate, APR and every charge must reach you in writing before you accept, and that sheet is the only version that counts.
Can I move my gold loan from Muthoot Finance to a cheaper lender later?
Freely — nothing locks a gold pledge to Muthoot Finance beyond the dues: clear, release, re-pledge cheaper the same day (branches see the move weekly and some offer takeover flows). Budget the second round of appraisal and stamp charges, and make the switch when the saving is measured in percentage points.
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