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There are many occasions when you need to monetize your gold jewellery for short-term cash. It could be starting your dream business, a marriage in the family, higher education or a holiday trip to your dream destination. Gold loans are one of the easiest ways to generate quick cash. Carrying your gold outside in regular boxes or bags to a gold loan company branch or bank and back home without any safe locker is highly insecure.

Our gold loan from home is a perfect solution to address this issue. We are backed by Muthoot FinCorp, one of the most trusted NBFCs in India, with a legacy of 135 years of serving customers. We offer gold loans at home, where you can apply for a gold loan from the comfort of your home and ensure its safety throughout the lifecycle of your gold loan.

The measures we take to keep your gold safe

To avail a regular gold loan, you need to carry your jewellery for pledging to a bank or NBFC. On the other hand, you log on to www.onemuthoot.com and book an appointment for a gold loan from the convenience of your home with us. One of our loan managers will visit you for gold evaluation, verification of gold loan documents and process your gold loan from home. We ensure your gold jewellery is safe throughout the lifecycle of your gold loan through the following safety measures:

Our loan executive carries your gold in a highly secured and GPS-tracked safe locker.

We store your gold jewellery safely at a Muthoot FinCorp branch nearby.

We automatically insure your pledged gold.

On loan closure, you can collect your gold jewellery at your doorstep or from the branch.

Along with the above-mentioned convenience and safety features, we also offer the following benefits to our customers.

Our gold loan from home is a quick process and takes only 30 minutes*.

We need basic KYC documents only for the approval process.

We offer the lowest gold loan interest rates in the market.

You get the maximum loan-to-value of 75%* or more for your gold in the market.

0% processing fee for our gold evaluation and collection services and no hidden charges.

You can repay your loans before the tenure period with our easy and flexible repayment options.

In the regular gold loan process, you need to visit a branch and wait in long queues for all the operations, starting from a gold loan application to closure. Additionally the risk of carrying your gold outside without any safe locker. Why risk your precious jewellery stepping out when you can easily apply for your gold loan from the comfort of your home? Head to our website today and book an appointment for ONE Muthoot gold loan from home .

www.onemuthoot.com

The prime reason behind any successful company is its financial resources. Getting a business loan involves a lengthy loan application and approval process. You may consider the advantages of a gold loan as an additional source of finance if your business requires more funding.

We are backed by Muthoot FinCorp, one of the leading NBFCs in India with a legacy of 135 years of serving customers. We offer gold loans at home, where you can apply for a gold loan from the comfort of your home.

Your gold jewellery that sits idly in the locker can be used for short-term investment to grow your business. Here's how you can boost your business with our gold loan from home if you are facing challenges:

Arrange funds to grow your business by investing in equipment, scaling or inventory.

You have a deadline to meet with an emergency fund.

Unable to get investors or you do not wish to share equity with investing companies.

A start-up may not easily get business loans. Banks may consider it an unsecured asset with many terms and conditions. Moreover, business loans charge you higher interest rates.

How can a gold loan from home boost my business?

Getting our gold loan from home is much easier with minimal documents than business loans from banks. You can use our gold loan from home effectively to manage your business in the following methods.

Scale up your existing business or start a new one.

You can increase business inventory and production.

Invest in marketing or bring your operations online.

You can purchase new machinery/tools and add to the existing infrastructure.

Fund your start-up capital or improve the financial health of your business.

Adding inventories, festive offers, decorations and gifts can even attract more customers and boost your revenue during festive seasons like Diwali.

Advantages of gold loan over business loans

You can reuse your asset multiple times if you are taking a loan against pledged gold ornaments. Gold loans have the lowest interest rate as it is a secured loan where you pledge your gold jewellery as collateral.

Apart from this we also offer you the following benefits.

Convenience: Get a gold loan from the comfort of your home without the risk of carrying your gold unsafely. You can access your gold anytime, at your doorstep or from our branch.

Increased safety: We carry your gold from home in a GPS-tracked safe to the nearest Muthoot FinCorp branch.

Quick process: The gold loan from the home process takes only 30 minutes*.

Best-in-industry interest rate: We offer the lowest gold loan interest rates in the market.

Maximum Loan-to-Value: You get a maximum value of 75%* or more for your gold in the market.

No hidden charges: 0% processing fee for our gold evaluation and collection services

How to apply for ONE Muthoot’s gold loan?

Head to our website www.onemuthoot.com and book an appointment for a home visit. One of our loan managers will visit your place to evaluate the gold and verify gold loan documents. We will quickly transfer the loan amount to your account* after approval and safely store your gold jewellery at a Muthoot FinCorp branch nearby. We automatically insure your gold and you can access your gold anytime, at your doorstep or from our branch.

With all the advantages mentioned above, taking out a gold loan from us will help you to grow your business and fulfil your dreams. Log on to our website today and book an appointment for ONE Muthoot gold loan from home.

www.onemuthoot.com

You might have experienced the normal gold loan application process involving multiple visits to a bank or NBFC and extensive paperwork. Carrying your valuable jewellery to the lender is also unsafe. You need to be physically available for all the procedures from the loan application, timely payments and loan closure at a gold loan company. Various innovations, such as online payments, home delivery, mobile apps and the ability to get a gold loan from the comfort of your home, have changed customers' perceptions of gold loans.

Because of the ease of availability and lowest financial charges, a loan against gold jewellery is a great alternative source of financing. You can avail of a gold loan to fulfil your dreams like starting or expanding your business, educational purpose, marriage in the family or a vacation to your favourite holiday destination.

The pandemic and the Government’s initiative toward a cashless economy have urged people to use online or mobile banking apps for financial transactions. Like other sectors, the gold loan industry has also adopted the digital mode of transactions in all aspects.

We are backed by Muthoot FinCorp, one of the leading NBFCs in India with a legacy of 135 years of serving customers. We offer gold loans from home to provide ease, safety, convenience and digitalisation to the traditional process of gold loans. With our gold loan from home service, you can apply for a gold loan from the comfort of your home. The advantage of opting for a gold loan from home with us is that you can avoid the risk of carrying your gold outside and save time spent travelling and waiting in long queues.

Click here to book an appointment for ONE Muthoot gold loan from home.

Features of our gold loan from home

Enjoy the maximum value for your gold in the market without any hidden charges.

0% processing fee for our gold evaluation and collection services.

Lowest gold loan interest rates for your gold.

Our easy and flexible repayment options allow you to repay your loans before the tenure period.

Your pledged gold jewellery is automatically insured for an added layer of security.

Conveniently access your gold anytime, at your home or at your nearby Muthoot FinCorp branch.

Digital integration of technology and innovations are at the core of our offerings to provide the best gold loan from home experience.

Our gold loan amount calculatorWith regular gold loans, you need to visit a branch to know the quantity of gold required against the loan amount. We have an online gold loan calculator that can easily help you calculate the value of your gold and the loan amount you can get against that gold online. Click here to access the ONE Muthoot gold loan calculator.

ONE Muthoot gold loan repayment onlineYou can access and stay up-to-date with your account information and conduct real-time transactions on the go. Use your mobile number to access our quick pay portal, easily view your account information and make gold loan online payments. For more information, head to our website and check out details on how to repay your gold loan. https://onemuthoot.com/repay

Our gold loan from home is the most convenient and innovative gold loan in the market. You can avail the loan without the risk of carrying gold outside and accomplish your dreams while the gold jewellery is secured and insured with us. The lowest gold loan interest rate and flexible repayment options will help you to repay the loan and access your gold anytime, at your doorstep or from our branch. Head to our website to book an appointment today.

www.onemuthoot.com

Gold loans are one of the easiest ways to monetize your gold jewellery for any expenses. You can use your gold to start your business, sponsor a wedding, higher education or a holiday trip. We offer gold loans from the comfort of your home. We are a SBU of Muthoot FinCorp, one of the leading NBFCs in India, with a legacy of 135 years in serving customers.

What is ONE Muthoot gold loan from home?

In the traditional process of applying for a gold loan, you might have experienced multiple visits to a gold loan company and extensive paperwork. The visits include submitting your gold jewellery, paying interest and collecting your jewellery upon loan completion. With our gold loan from home you can apply for a gold loan from the comfort of your home. So you avoid the risk of carrying your gold unsafely and save time in traffic and waiting in long queues.

Applying for our instant gold loan from home is an easy and quick process with minimal documentation. Gold Loan from Home is quick, safe and convenient and you get money within 30 min*. With our gold loan from home, you can access your gold anytime at home or at a nearby Muthoot FinCorp branch. You can get Gold Loan from Home at 0% processing fee for our gold evaluation and at home collection services with best-in-industry interest rates. We provide the maximum loan-to-value for your gold in the market without any hidden charges. To learn more about the LTV ratio please click here.

How to set an appointment for gold loans from home?

There are three ways to set up an appointment with us for our Gold Loan from Home.

Visit our website www.onemuthoot.com

Fill up the form "schedule a call to set up an appointment" with your name and phone number and request for OTP.

After validating your mobile number, you will get a confirmation that the ONE Muthoot loan manager will contact you shortly.

One of our loan managers will call you back in some time to book an appointment for a home visit according to your convenience.

Alternatively, you can also book an appointment through our dedicated customer support number +918447827817

Once you dial this number, your request and number get registered with us.

One of our executives will call you to book an appointment for your house visit as per your availability.

You can also book an appointment for a Gold Loan from Home from our app. Head to the ONE Muthoot App

On the home screen, find the Gold Loans at Home option

Click on the Apply Now button

Enter your pincode

You can choose to get a Gold Loan from Home either by entering the loan amount in Rupees or the weight of gold in grams

When you enter the desired loan amount, the corresponding weight of gold in grams is displayed

Once you have selected the loan amount, click on Continue to select where you would like to get the loan

You can also choose to get a Gold Loan at Home or at the nearest Muthoot FincCorp branch.

Click on at Home to book an appointment

Select your address from the saved addresses or add a new address by selecting add new residential address. Click on continue to select the appointment date and time

Select your preferred appointment date and time and select review appointment details

Check your appointment details and click on submit appointment details

You will get a confirmation of your appointment on the app

I have booked ONE Muthoot gold loan appointment. What’s next?

Once you set up an appointment with us, one of our loan managers will visit you for the gold evaluation and verification of gold loan documents.

You will get your money instantly in your bank account upon the approval of the loan.*

A highly secured and GPS-enabled safe locker will carry the gold jewellery collected from your home to the nearest Muthoot FinCorp branch.

We also automatically insure your pledged gold jewellery for an added layer of security at all times.

You can easily get a gold loan from home to fulfil your aspirations. Our gold loan from home can save you time and eliminate the risk of carrying gold outside. You also get the lowest gold loan interest rate and flexible repayment options to help you repay your gold loan in the time that suits your convenience.

Head to our website www.onemuthoot.com or the ONE Muthoot App to book an appointment and experience the unparalleled convenience of a gold loan from home.

If you have gold jewellery lying idle, it can be very beneficial to cover any short-term cash needs. You can use a gold loan to start or expand your dream business, for higher education, a marriage in the family or a holiday trip.

We offer gold loans from home, so you can get a gold loan from the convenience of your home. But how would you check how much loan amount you can get against your gold jewellery? Here's a helpful guide to get you started:

The karat value of your gold jewellery

The first determining factor is the purity of your gold jewellery. It is stated in Karat, which is 1/24 portion of the gold metal contained in it. 24 karat, which is 99.9% pure, is very soft gold and can't be used for jewellery making. Gold jewellery is made by adding metals like Zinc, Nickel etc., to pure gold. 22 karat, which is 91.67% in purity, is the best Karat rating for ornaments. As the Karat value increases, the percentage of gold in the jewellery also increases. Any gold jewellery you have usually has a Karat rating.

The LTV of your gold loan

The second factor is LTV or Loan-to-Value, which is the ratio of the loan amount to the market value of the pledged gold jewellery. Our gold loans from home offer the maximum LTV under a gold loan in the market without any hidden charges. You can get a gold loan of up to 75% or more of the market value of gold from the comfort of your home. The market value and purity of the collateral gold decide your maximum eligible loan amount.

The weight of gems

When you buy gold jewellery from a retail outlet, the final price includes the karat value of gold, making charges, price of stones or gems, hallmark charges and applicable taxes. If you are pledging ornaments with precious stones, the actual weight eligible for a gold loan is calculated by deducting the stone weight from the gold weight.

You can use our online gold loan calculator to evaluate the loan you are eligible for against your gold jewellery.

How to use the gold loan eligibility calculator?

Our gold loan calculator will help you evaluate the monetary value of gold and the customized repayment plans. You can access the gold loan eligibility calculator by following these simple steps.

Log on to www.onemuthoot.com and scroll down to the Gold Loan Amount Calculator.

Enter the loan amount or gold weight to be pledged and "get the value." If you enter the amount you wish to loan, it will display the weight of gold in grams that needs to be pledged and if you enter the weight of gold in grams you have, it will show the loan amount you are eligible for.

You will also find a variety of schemes based on the loan amount on the right-hand side. The information includes the monthly interest rate, gold loan eligibility per gram, loan value range, tenure, annual interest, and a schedule of the interest rate for different terms.

Choose a scheme suitable for your budget and click "avail this scheme." You will be directed to schedule a call to set up an appointment.

Once the home visit appointment is set up, one of our loan managers will visit your place to evaluate the purity and weight of your ornaments. The eligible weight is calculated by deducting the stone weight from the gold weight. After gold evaluation and approval, we will quickly transfer the loan amount to your account*.

You can also get a top-up loan on your existing gold loan

If you have not taken the maximum amount that is permissible for the collateral ornaments, you can avail the residual amount at a later time. This feature is known as gold loan top-up.

As our existing customer, you are eligible for a gold loan top-up if you have not availed the full amount at the time you pledge gold jewellery or if the market value of gold has increased since pledging.*

With our gold loan from home, you can get a gold loan of up to 75% or more of the market value of gold from the comfort of your home. Head to our website www.onemuthoot.com to learn more about gold loan top-up benefits and book an appointment for a gold loan from home.

Getting a gold loan traditionally requires extensive paperwork and travel. Visiting an NBFC or bank for a gold loan and waiting in long queues for the processing and closure of the loan becomes a tedious task. Additionally, carrying your gold jewellery to the bank is very risky. These factors become obstacles when looking for instant money through a gold loan. Our gold loan from home is the one-stop solution to all these problems.

What is ONE Muthoot’s gold loan from home?

We are backed by Muthoot FinCorp, one of the leading NBFCs in India with a legacy of 135 years of serving customers. We offer gold loans at home, where you can apply for a gold loan from the comfort of your home without stepping out.

Once you set up an appointment, one of our loan managers will visit you for the gold collection and we will transfer the money instantly to your account after approval. We will carry the pledged gold in a safe locker to the nearest Muthoot FinCorp branch for storage and you can access your gold anytime, at your doorstep or from our branch.

Advantages of gold loan from home over regular gold loans

In the regular gold loan process, you need to visit a branch and wait in long queues for all the operations, starting from a gold loan application to closure. While a gold loan from home offers the following benefits that you lose out on with a traditional gold loan.

Safety:

Avoid the risk of carrying your gold outside without any safe locker in regular boxes/bags, making it highly insecure. ONE Muthhot, on the other hand, ensures your gold's safety throughout the lifecycle of your gold loan.

Here are our safety measures:

ONE Muthoot carries your gold in a GPS-tracked safe.

Safely stored at a Muthoot FinCorp branch.

ONE Muthoot automatically insures your pledged gold.

Quick Process:

For a regular gold loan, you need to spend hours visiting a bank or NBFC multiple times for loan application, interest payments and loan closure. At ONE Muthoot, the loan manager visits your home at your convenience and does the loan process in 30 minutes*. You can make gold loan online payments, save your commute time and avoid standing in queues. At the end of the tenure, you can collect your gold from the branch or at your home.

Convenience:

Going every time to a bank or NBFC to get a gold loan, multiple visits for interest payments and loan closure is a tedious job. Now you can enjoy our gold loan from the comfort of your home. The lowest interest rate and flexible repayment options will help you to repay the loan and access your gold anytime, at your doorstep or from our branch.

Benefits of ONE Muthoot's gold loan from home over other gold loans

ONE Muthoot provides instant loans against gold jewellery with minimal documentation: You can avail our gold loans from home with minimum KYC documents.

Income proof is not mandatory:ONE Muthoot’s gold loans are issued against the gold pledged as collateral. Your CIBIL Score or income proof is not mandatory.

The lowest interest rate:ONE Muthoot offers the best gold loan interest rates in the market through the following features.

Flexible Repayments:You can repay your loans before the tenure period with our easy and flexible repayment options.

Maximum Loan-to-Value:You get the maximum value for your gold in the market.

Always insured:Your pledged gold jewellery is always insured for an added layer of security.

Convenience:Conveniently access your gold anytime, at your doorstep or from our branch.

No hidden charges:0% processing fee for our gold evaluation and collection services.

ONE Muthoot is backed up with a network of 4500+ Muthoot FinCorp branches across the country and trusted by over a Crore happy customers. Now, you can unlock the value of your gold from the comfort of your home.

Smart ways to use your gold jewellery for an instant loan.

Gold is considered a symbol of prosperity and wealth, and it always has a place in the hearts and homes of Indians. Possession of gold represents the cultural legacy, social status, and financial security. Gold's value has been appreciated for decades as a universally accepted commodity.

India accounted for an estimated 23% of the global gold demand between 2009 and 2018. According to a survey by the India Gold Policy Centre (IGPC), weddings were the primary reason for buying gold in India. Many are emotionally attached to gold jewellery and rarely sell the jewellery to meet an immediate financial need. Instead, they borrow money by pledging gold ornaments.

How to apply for an instant loan against jewellery with minimum documentation?

Find a reputed gold loan company:

The first step is finding a reputable financial institution with a good track record. Banks and NBFCs are the primary sources of gold loans. You should approach a lender who can provide insurance and security for the gold ornaments. ONE Muthoot, one of the leading NBFCs in India, has a legacy of 135 years in serving gold loan customers. ONE Muthoot offers unparalleled convenience of gold loans from the comfort of your home. The gold jewellery you pledge with us is always insured for an added layer of security.

Get quick approval and instant cash for your gold:

Any Indian above 18 can get an instant loan against jewellery with minimum documentation. The gold loan approval is a quick process. At ONE Muthoot, we disburse the loan amount quickly after verifying the documents and evaluating the purity of the gold jewellery. We offer maximum Loan-to-Value in the market without any hidden charges. Even if you don't maintain a good credit score, you can avail a gold loan based on the collateral value. ONE Muthoot offers gold loans at your doorstep against jewellery within 30 minutes* turnaround time.

Pay the lowest interest rate:

The interest rate on jewellery loans is the lowest compared to other loans. We provide gold loans that start with 9.95%*, the best-in-industry interest rate. ONE Muthoot gold evaluation and collection services come with 0% processing fees and no hidden charges.

Click here to learn more about the ONE Muthoot interest rates and customized loan repayment schemes suitable to your budget.

Flexible Repayment as per your convenience:

One of the major attractions of a gold loan is the repayment options. Our easy and flexible repayment options allow you to repay before the tenure period. Use the ONE Muthoot’s online gold loan calculator to estimate your gold loan amount and repayment schedule.

How can ONE Muthoot be your favourite choice for doorstep Gold Loans?

During an emergency, a loan against gold jewellery is the best option compared to many other forms of loans. With ONE Muthoot, you can avail a gold loan from the comfort of your home with a competitive interest rate and a fast loan disbursement process. By taking advantage of our flexible repayment options, you'll be able to pay back the loan at your convenience. You can access your gold anytime, at your doorstep or from our branch.

Considering all the above value propositions, ONE Muthoot can be your favourite choice for gold loans. Head to our website www.onemuthoot.com to connect with us.

Gold loan repayment is much easier than you think!

Suppose you need a quick solution to a short-term financial challenge. Gold loans are the best option for those situations, as they can be disbursed quickly, require little documentation, and come with the lowest interest rate. Due to the emotional attachment, we prefer to pledge gold with a financier instead of selling it.

ONE Muthoot, one of the leading NBFCs in India, offers unparalleled convenience of gold loans from the comfort of your home in 30 minutes*. You can enjoy our flexible repayment options to repay your loans before the tenure period. Click here to learn more about ONE Muthoot doorstep gold loans.

Let us dive into the different gold loan repayment options offered by banks and NBFCs

1. Partial payments

In this customer-centric approach, you can make payments of interest and principal components as and when you choose. Interest is calculated daily on the outstanding loan amount. The sooner you pay the principal amount, the more you will save on the interest. You will be in a comfortable position as you can repay according to your financial situation and there is no pressure of monthly payments.

Access the ONE Muthoot gold loan calculator to learn more about customized gold loan schemes.

2. Repayment of the gold loan as EMI

The EMI consists of the interest and a component of the principal. This scheme is ideal if you are salaried with a regular monthly cash flow in your account, and you will get quick approval. This mode of payment will reduce your interest cost and the pressure of repaying the total loan amount at the end of the term.

At ONE Muthoot, we offer maximum loan-to-value for your gold in the market without any hidden charges.

3. Interest in EMI & Principal at closure

In this option, you can pay interest monthly, like EMI, and the principal at maturity. You will be relaxed to settle the principal at the end of the tenure by just servicing the monthly interest.

4. Pay interest first

With this option you can pay the interest upfront and settle the principal at the end of the term. You need not worry about any monthly payments till the end of your tenure.

5. Gold loan Bullet repayment

Bullet repayment is an option to pay the principal with the interest of the entire tenure as a single shot. You need not make any payments till the end of the term. The total interest and principal are paid as one shot hence the term bullet payment.

The interest is calculated monthly but payable at the end of the term. This scheme is suitable if you can repay within 6 to 12 months, and lenders may limit the loan amount to Rs.2 lakhs, subject to conditions. Bullet repayment is not on reducing balance terms, so you may pay higher interest than other repayment modes.

How to apply for ONE Muthoot gold loan from home?

Use the ONE Muthoot gold loan eligibility calculator to evaluate your gold against the loan amount required. Book an appointment for a doorstep gold loan. A loan manager will visit you and evaluate your gold ornaments. The loan amount will be transferred to your account quickly after approval. You can access your gold anytime, at your doorstep or from your nearest branch.

Always choose a reputed organization like ONE Muthoot for gold loans and enjoy quick loan disbursal and the best-in-industry interest rates without hidden charges. The flexible repayment options will help you to settle the loan at your convenience. Your precious gold will be secured and always insured with us while you fulfil your requirements with the loan amount. Head to our website to book an appointment through our website www.onemuthoot.com.

If you are planning to go for a gold loan to meet an immediate financial challenge, do keep the below in mind to avoid the common mistakes customers make while applying for a gold loan. You can unlock the value of Gold lying idle in your possession during an unforeseen financial crisis. However, we may often overlook certain vital things due to the gravity of the situation.

Always analyse the following points to avoid mistakes when applying for a gold loan.

Ensure the reputation of the lender

When you borrow money by pledging your gold ornaments, the bank or NBFC will decide the loan amount based on the loan-to-value ratio of Gold. The lenders offer up to 75% market value of Gold. Considering the monetary and sentimental values behind the jewelry, you are at more risk than the lender while the Gold is under their safeguard. So always choose a lender with credibility like ONE Muthoot for gold loans. ONE Muthoot, from the family of the most trusted financial brands in the country, offers gold loans at the best value in the market. Your valuable jewelry is insured for an added layer of security at all times.

Check the lowest interest rates

Looking around, you will find many banks and NBFCs providing gold loans with competitive features. Compare the different options available in the market before finalizing the lender. If you know the market better, you can have a better agreement. ONE Muthoot offers the best-in-industry interest rates for your gold loans. Access the ONE Muthoot Gold Loan calculator to learn more about our low-interest loan schemes.

Scrutinize the repayment Schedule

Understanding the repayment plan is crucial as you can schedule your budget in advance and lead a good financial life. Enjoy the flexible repayment plan at your convenience with one Muthoot. Click here to learn more about customized schemes and interest rates.

Understand the purity of Gold

Your ornaments should be 18 Karat and above to qualify for a gold loan. Any precious stones attached to jewelry will not be considered. To evaluate your gold loan eligibility use the ONE Muthoot gold loan calculator .

Be aware of the hidden charges

You may not notice certain charges during a loan process because they are hidden. Hidden charges include processing, foreclosure, late, or auction-related charges. At ONE Muthoot, we offer 0% processing charges for our gold evaluation and collection services and no hidden charges.

Be punctual on payment terms

At ONE Muthoot, with our flexible repayment options, you can easily repay your loans before the tenure period. In addition, our friendly support team will keep you informed throughout the entire relationship so that you will not miss your payments. For more details you can head to our website and check out details on how to repay your gold loan. https://onemuthoot.com/repay

Look for the best customer service.

You may occasionally need to interact with the lender's support team during your tenure. Always choose lenders with a good track record. Muthoot FinCorp Ltd, the promoter of ONE Muthoot, has a history of 135 years of serving gold loan customers. Enjoy working with our friendly team to experience a hassle-free gold loan application process.

Customers usually ignore the above factors during gold loan applications. Choose ONE Muthoot and rest assured you are dealing with one of India's best gold loan services.

You should choose a reputed organization like ONE Muthoot for gold loans and enjoy quick loan disbursal and the best-in-industry interest rates. The flexible repayment options will help you to settle the loan at your convenience and help resolve your financial challenges.

Head to our website www.onemuthoot.com to book an appointment now.

Opting for a gold loan has numerous advantages and relief during financial challenges.

Let us look into the advantages and disadvantages of the gold loan.

Gold loan advantages:

An instant loan against jewellery with minimum documentation:You can avail a gold loan with minimum documentation like a PAN card and Government approved ID. ONE Muthoot, one of the leading NBFCs in India, offers unparalleled convenience of gold loans from the comfort of your home. Click here to book an appointment.

Quick approval and disbursal of gold loans:ONE Muthoot offers gold loans within 30 minutes* from the comfort of your home. Once you book an appointment with us, one of our loan managers will visit you to walk you through the entire process. After gold evaluation and approval, the loan amount will be quickly transferred to your account with 0% processing fee and no hidden charges.

The lowest interest rate:Gold loan interest rate is the lowest compared to other types of loans. ONE Muthoot provides best-in-industry interest rates as low as 9.95%* per annum without foreclosure penalty and we do not charge for our gold evaluation and collection services.

No CIBIL Score is needed:Gold loans are secured loans as it is issued against the gold pledged as collateral. Your salary certificate or credit score is not mandatory for ONE Muthoot gold loan.

Flexible repayment options:ONE Muthoot offers different repayment models like partial payment, upfront interest, interest plus components of the principal, or bullet payment. Access the ONE Muthoot online gold loan calculator to learn more about customized loan schemes. With our easy and flexible repayment options, you can repay your loans before the tenure period.

Maximum Loan-to-Value of the gold:Since it is a secured loan, you can monetize the best value for your gold in the market with no hidden charges. We offer the maximum rate for the pledged gold on verification of the purity and the current market price of gold.

Secured and insured always:Since it is a secured loan, you can monetize the best value for your gold in the market with no hidden charges. We offer the maximum rate for the pledged gold on verification of the purity and the current market price of gold.

No restrictions on the end use of cash:Unlike auto or home loans, the end use of the gold loan amount is not limited to a specific purpose.

Tax exemption on gold loan:You can avail tax benefits on gold loans based on the utilization of the loan amount. Funds spent on home improvement, residential property purchase or construction, asset purchase, or utilized for business purposes are eligible for tax benefits, subject to the provisions put forth under the Income Tax Act, 1961.A gold loan can be a wise investment if you consider a few things

Limited loan amount:

The gold loan amount is limited to the purity and weight of the collateral ornaments. Lenders do not consider the value of any precious stones attached to the ornaments. The loan to Value ratio (LTV) determines the loan amount. Banks and NBFCs are allowed to advance a maximum of 75% of the market value of gold, which means the borrower always receives less than the market value of gold.

Banks will accept only gold ornaments as collateral, not any other form of gold.

May lose gold if defaulted:

If the loan amount is not repaid in time, the lender will send reminders and charge penalties. The lender is entitled to auction the gold and cover the total outstanding if the repayment is not made despite follow-up reminders. Non-payment could result in a negative influence on your credit history.

How does ONE Muthoot gold loan from home can be beneficial to you?

When you opt for ONE Muthoot’s gold loan from home, you can access your gold anytime, at your doorstep or from our branch. With our easy and flexible repayment options, you can repay your loans before the tenure period. Explore the customized schemes using ONE Muthoot online gold loan calculator.

You should always choose a reputed organization like ONE Muthoot for gold loans and enjoy quick loan disbursal and the best-in-industry interest rates. The flexible repayment options will help you to settle the loan at your convenience and help resolve your financial challenges.

Gold loan Companies, a friend in need, and their challenges.

Gold is a universally accepted commodity and a liquid asset that has seen its value appreciated over the decades. In India, Gold prices have been showing an upward trend over the last five decades.

Due to the sentimental value associated with our gold jewelry, we rarely trade them to meet immediate financial needs. Alternatively, we pledge Gold for instant cash requirements. Banks and NBFCs specializing in gold loans like ONE Muthoot are the best sources to monetize your gold jewelry. There are many factors influencing Gold Loans. Let us understand some of them which can be beneficial for you to acquire the maximum value out of your precious jewelry before you fill out the Gold loan application.

1. Demand for the Gold Loan in the Market

Taking a loan using Gold as collateral is a wiser decision than selling it, as the value of Gold always appreciates. Before applying for a gold loan for your short-term cash needs, you should consider the accessibility and customer service offered by the lender. At ONE Muthoot, you will enjoy dealing with our friendly team for a smooth loan application process.

Being part of a traditional player and having new-age financial technology ONE Muthoot has started to offer innovative products such as doorstep gold loans. You can access ONE Muthoot online gold loan calculator to choose the best suitable customized scheme for you. Our flexible repayment plans start from one week to 36 months. We offer a 0% processing fee as we don't charge our customers for gold evaluation or collection.

2. Regulation of Financial Institutions

As a gold loan customer, this one piece of information is imperative for you. The regulation of the gold loan company is crucial as you entrust them to safeguard your valuables. At a broad level, gold loan lenders are classified into organized and unorganized gold loan sectors.

The organized gold loan market includes banks (public, private, small finance, and co-operative), Non-Banking Financial companies (NBFCs), and Nidhi companies. ONE Muthoot, one of the country's leading and most trusted NBFCs, has a legacy of 135 years in serving gold loan customers.

Money lenders and pawn brokers influence the unorganized market. With their local market knowledge, unorganized players provide instant loans against jewelry with minimum documentation but at a very high-interest rate. You must be vigilant in dealing with this segment.

ONE Muthoot is from the family of the renowned and most trusted financial services brand in the country. Your Gold is secured and Insured for an added layer of security at all times. You can collect your jewelry anytime at your doorstep or from the branch in the same pristine condition we received.

3. Global inflation and the Gold price volatility

Global inflation and Volatility in gold prices significantly affect the overall performance of gold loan products. ONE Muthoot offers the maximum LTV ratio, which determines the liquidity potential of gold assets.

The gold loan interest rate is also correlated with Global inflation and market prices of Gold. At ONE Muthoot, we provide the best gold loan interest rates in the market, starting from 9.95% per annum*.

Conclusion

Global inflation, Gold price volatility and demand for gold loans in the market are major factors influencing gold loans. Primary beneficiaries of doorstep gold loan facilities are digitally and financially literate and those who want to enjoy the unparalleled convenience of gold loans from the comfort of their home. You can access the ONE Muthoot online gold loan calculator to evaluate your gold loan eligibility and repayment schedule.

A gold loan is the easiest way to monetize your physical gold during a short-term financial crisis. You can approach banks or NBFCs specializing in gold loans to encash your gold. ONE Muthoot , one of the leading NBFCs in India, has 135 years of industry experience serving gold loan customers.

At ONE Muthoot, a gold loan application is a hassle-free process. Your socio-economic status doesn't matter. Any Indian citizen above 18 with a sufficient quantity of gold can avail a gold loan. Unlike auto or home loans, the end use of the fund will not be verified. You can use it for medical, educational, marriage, business, holidays, home renovation or agricultural purposes.

ONE Muthoot offers doorstep gold loans in 30* minutes for those who like to enjoy unparalleled convenience from the comfort of their home.ONE Muthoot Gold Loan Eligibility CriteriaAgeIndian citizens aged 18-75 yearsLoan AmountRs. 1,500 onwardsPurity of Gold18 Karat and aboveCollateralGold jewelleryDocuments RequiredDocuments to prove Identity and Address. Aadhar card/Passport/ Driving license/Voter’s ID/ Electricity BillLoan To Value (LTV)Up to 75%

Gold loan eligibility criteria may vary across financial institutions. If you are unsure about the ratio of gold to a cash equivalent, you can use an online calculator. A gold loan calculator is a tool to estimate the quantity of gold required for a specific amount.

How to use ONE Muthoot gold loan eligibility calculator?

Step 1: Visit www.onemuthoot.com

Step 2: Scroll down to the Gold Loan Amount Calculator.

Step 3: Enter the loan amount or gold to be pledged and "get the value." The calculator will display the loan amount, weight of gold required and Karat value. You will find a variety of schemes based on the loan amount on the right-hand side. The information includes the monthly interest rate, gold loan eligibility per gram, loan value range, tenure, annual interest, and a schedule of the interest rate for different terms.

Step 4: Choose a scheme suitable to your budget and click "avail this scheme." You will be directed to schedule a call to set up an appointment.

Financial institutions will not accept gold bars as collateral for gold loans. Any precious stones attached to the ornaments will not be considered. At ONE Muthoot, you can enjoy maximum Loan-to-Value for your gold in the market.

You can use the ONE Muthoot gold loan eligibility calculator to evaluate your gold against the loan amount required. Book an appointment for a doorstep gold loan. A loan manager will visit you and evaluate your gold ornaments. The loan amount will be transferred to your account quickly after approval. You can access your gold anytime, at your doorstep or from your nearest branch.

How can ONE Muthoot doorstep gold loan be beneficial to you?

Any Indian citizen above 18 can apply for ONE Muthoot gold loan. Click here to learn more about the simple gold loan from the home application process. Pledged gold ornaments would be under the safe vault of the Muthoot FinCorp branch nearby, with 24/7 surveillance and insurance.

Take advantage of ONE Muthoot gold loans and get the best-in-industry interest rates, 0% processing fee and no hidden charges. The ornaments will be returned in the same pristine condition after full repayment of the loan.

Access the online gold loan eligibility calculator and choose a customized repayment schedule suitable to your budget. Our flexible repayment options will help you to settle the loan at your convenience.

How can Gold loans be the smartest option for seeking quick cash?

You may face financial emergencies due to unforeseen situations. It could be a medical emergency, marriage, educational or agricultural purpose. Getting a loan is an immediate solution that comes to your mind, and various debt products are available today. Before jumping into the first available option, you should analyze what impact that loan could have on your financial life. If you are looking for a short-term loan, gold loans can be the best choice for many reasons.

Who should opt for a Gold Loan?

A gold loan is the best option for individuals seeking.

Short-term credit:Short-term credit is temporary financial support for your personal or business requirement. At ONE Muthoot, India’s one of the leading NBFCs, you can enjoy the maximum value for your gold in the market. ONE Muthoot Gold loan can be beneficial if you review the value propositions we offer in such urgent short-term financial necessity.

Flexible Repayment:ONE Muthoot offers flexible tenure for gold loans. The repayment period starts from one week to 36 months. Access the ONE Muthoot online calculator to know more about the customized loan schemes and repayments. Gold loans are the most suitable option for individuals who do not wish to be in a long time financial commitment.

Enhance Credit Score:If you approach a bank for personal or other forms of loans, you will realize that an excellent CIBIL score is mandatory. Since your valuable jewelry is insured and secured in our vault as collateral, the scores become less significant. Gold loans are the best choice for those who don't maintain a good CIBIL score. Paying the gold loan interest on time can enhance your credit score.

Low cost and easy processing:ONE Muthoot gold loan interest rates are lesser compared to other forms of loans. We offer gold loans with interest rates starting from 9.95% per annum*. We provide 0% processing fee for gold evaluation and collection as an added value to our customers.The gold loan application procedure is simple. Only KYC documents are required for verification. You need to submit identity and address proof which can be Aadhar card, PAN card, Driving Licence, Voter ID or passport. Any Indian citizen, be it a business person, salaried employee, or farmer above 18 possessing gold, is eligible for a gold loan.

Doorstep gold loan:ONE Muthoot offers doorstep gold loans in 30* minutes for those who like to enjoy unparalleled convenience from the comfort of their home. You can visit our website to book an appointment. One of our loan managers will evaluate the gold, and we will transfer the loan amount to your bank account after approval. Your precious ornaments will be stored at a Muthoot FinCorp branch near you.

Convenient Access to collateral: At ONE Muthoot, you can pay back your loans before the term and collect your valuables at your doorstep or from our branch. Your gold will be returned in the same pristine condition as collected.

How to get a loan by using gold as collateral?

According to the World Gold Council (WGC), the demand for gold in India has increased to over 800 tons in 2022. With people pledging their gold jewelry for emergency cash, banks have reported a 45% jump in gold loans outstanding as of December 2021. As technology got advanced, it is now easy to get an instant loan against gold in India.

When you opt for a gold loan, you should definitely check the ease of availability and ample repayment options. Let us have a look into the core features of Gold Loan and how ONE Muthoot, one of the leading NBFCs in India, offers unparalleled service to its customers.

An instant loan against jewelry with minimum documentation:You can avail a gold loan with minimum documentation like address proof and Government approved ID. Your credit score is not mandatory for a gold loan as it is secured against your gold as collateral.

Unparalleled Convenience:ONE Muthoot offers loan approval and disbursal in less than 30 minutes*. You can enjoy liquidity anytime if you have gold lying idle in your possession.

The lowest interest rate:Gold loan interest rate is the lowest compared to other forms of loans. ONE Muthoot offers gold loan interest rates as low as 9.95%.

Income proof is not mandatory:Gold loans are issued against the gold pledged as collateral. Even if you have unsatisfactory credit scores, you can apply for gold loans.

Flexible Repayments:ONE Muthoot offers different repayment models like Equated Monthly Installments, Monthly Payment of Interest, Partial Payments, Bullet Payments and Foreclosure.

Maximum Loan-to-Value:Since it is a secured loan, you can get a maximum of 90% of the market value of gold, subject to the purity of your gold jewelry.

Always insured:Your precious jewelry will be safe at the nearest Muthoot FinCorp Branch. Gold that you pledge with us is insured for an added layer of security at all times. Once the loan is fully settled, you can collect your jewelry.

No restrictions on the end use of cash:Unlike auto or home loans, the end use of the gold loan amount is not limited to a specific purpose. You can utilize the fund for medical, educational or agricultural purposes.

In a nutshell, opting for a gold loan has tremendous benefits and can save you in dire situations. Core features of gold loans are their speedy disbursal, minimalistic documentation, and the safety of collateral that comes with the lowest interest rate.

A hassle-free Gold loan from the comfort of the home with no hidden charges is a dream for many.

According to the World Gold Council, India's gold demand value was Rs. 79,270 crores, an increase of 54% compared to last year. Gold symbolizes wealth and abundance and is also observed as a source of capital appreciation.

During a financial crisis, Gold ornaments lying idle in your possession can be very helpful. Let us discuss how a gold loan can be low-cost and hassle-free.

Unparalleled Convenience:

One of India’s leading NBFCs, ONE Muthoot, offers instant doorstep gold loans in 30 minutes. You can get a gold loan from the comfort of your home in 4 simple steps.

Set up an appointment over the phone or through www.onemuthoot.com

One of our loan managers will visit you and evaluate your gold.

Instant loan approval and disbursal of cash in your account.

Your gold will be transferred to one of the branches nearest you.

Maximum Loan-to-Value (LTV):

Enjoy the best value for your gold in the market with no hidden charges. You can get a loan up to 75% or more of market value, depending on the purity of the gold. ONE Muthoot gold loan calculator will help you evaluate the monetary value of gold and to customize the repayment.

Flexible repayments:

We offer many choices for gold loan repayment. You can choose our easy and flexible options like paying only interest, upfront interest, interest with part of the principal or bullet payment. Our easy and flexible repayment options will help you to repay your gold loans before the tenure period. Visit our website ONE Muthoot to make online gold loan repayments.

The lowest interest rate on gold loans:

The present gold loan interest rate is the lowest compared to other forms of loans. We offer the best-in-industry interest rates for your gold loan.

No Processing charges:

Many lenders in the market charge their customers in terms of gold evaluation and collection fees. At ONE Muthoot, our customers enjoy zero processing charge.

Enhance Credit Score:

In other forms of loans, lenders verify your credit history and repayment capability before approval. Since your ornaments are in our secured lockers as collateral, your credit score is not mandatory. But making timely payments on gold loan interest will enhance your credit score.

Always Insured:

You don’t need to worry about the safety of the gold ornaments as it is insured for an added layer of security at all times. Your gold jewelry will be our responsibility under the safe vault of ONE Muthoot and it will be released in the same condition once the loan is settled fully.

Convenient access:

Once you settle the loan amount in full, you can collect your gold from your nearest branch or at your doorstep.

ONE Muthoot offers low-cost gold loans with the best-in-industry interest rates and without any hidden charges. 135 years of legacy and the trust of over one Crore customers ensure the safety of your jewelry while they are with us.

Repay your gold loan in one shot

The Indian gold loan market is expanding at a CAGR of 12.75% and is expected to reach Rs.6275.40 Bn by 2025. Sometimes, we need to raise a loan to meet some medical emergency or educational purpose. If you are a small and medium enterprise owner, you may need some quick cash for business purposes. The gold loans extended by banks and NBFCs are beneficial in such situations.

Let’s go through some of the different gold loan repayment options ONE Muthoot offers to its customers.

1. Repayment of the gold loan as EMI

The EMI consists of the interest and components of the principal. This scheme is ideal if you are a salaried employee with a regular monthly cash flow in your account. This mode of payment will reduce your interest cost and the pressure of repaying the total loan amount at the end of the term.

2. Partial payments

Partial payment is a customer-centric approach. You can make payments of interest and principal components as and when you choose without the restriction of EMI. Interest is calculated daily on the outstanding loan amount. The sooner you pay the principal amount, the less interest you pay. You will be more comfortable as you can repay according to your financial situation.

With ONE Muthoot, one of India's most trusted financial institutions, you can pay back your gold loan earlier and ensure complete transparency and safety throughout your relationship.

3. Interest in EMI & Principal at closure

In this option, you can pay interest monthly, like EMI, and the principal at maturity. You will be relaxed to settle the principal at the end of the tenure by just servicing the monthly interest.

4. Pay interest first

With this option you can pay the interest upfront and settle the principal at the end of the term. You need not worry about any monthly payments till the end of your tenure.

5. Gold loan Bullet repayment

Bullet repayment is an option to pay the principal with the interest of the entire tenure as a single shot. You need not make any payments till the end of the term. The total interest and principal are paid as one shot hence the term bullet payment.

The interest is calculated monthly but payable at the end of the term. This scheme is suitable if you can repay within 6 to 12 months, and lenders may limit the loan amount to Rs.2 lakhs, subject to conditions. Bullet repayment is not on reducing balance terms, so you may pay higher interest than other repayment modes.

It is equally important for you to choose a suitable repayment plan as you apply for a gold loan.

How to get a loan by using gold as collateral?

According to the World Gold Council (WGC), the demand for gold in India has increased to over 800 tons in 2022. With people pledging their gold jewelry for emergency cash, banks have reported a 45% jump in gold loans outstanding as of December 2021. As technology got advanced, it is now easy to get an instant loan against gold in India.

When you opt for a gold loan, you should definitely check the ease of availability and ample repayment options. Let us have a look into the core features of Gold Loan and how ONE Muthoot, one of the leading NBFCs in India, offers unparalleled service to its customers.

An instant loan against jewelry with minimum documentation:You can avail a gold loan with minimum documentation like address proof and Government approved ID. Your credit score is not mandatory for a gold loan as it is secured against your gold as collateral.

Unparalleled Convenience:ONE Muthoot offers loan approval and disbursal in less than 30 minutes*. You can enjoy liquidity anytime if you have gold lying idle in your possession.

The lowest interest rate:Gold loan interest rate is the lowest compared to other forms of loans. ONE Muthoot offers gold loan interest rates as low as 9.95%.

Income proof is not mandatory:Gold loans are issued against the gold pledged as collateral. Even if you have unsatisfactory credit scores, you can apply for gold loans.

Flexible Repayments:ONE Muthoot offers different repayment models like Equated Monthly Installments, Monthly Payment of Interest, Partial Payments, Bullet Payments and Foreclosure.

Maximum Loan-to-Value:Since it is a secured loan, you can get a maximum of 90% of the market value of gold, subject to the purity of your gold jewelry.

Always insured:Your precious jewelry will be safe at the nearest Muthoot FinCorp Branch. Gold that you pledge with us is insured for an added layer of security at all times. Once the loan is fully settled, you can collect your jewelry.

No restrictions on the end use of cash:Unlike auto or home loans, the end use of the gold loan amount is not limited to a specific purpose. You can utilize the fund for medical, educational or agricultural purposes.

In a nutshell, opting for a gold loan has tremendous benefits and can save you in dire situations. Core features of gold loans are their speedy disbursal, minimalistic documentation, and the safety of collateral that comes with the lowest interest rate.