Simple finance solutions with easy processing and transparent service.
Apply Loan Now
Helping individuals and families with reliable loan assistance.
Apply Loan Now
Hassle-free finance services with honest guidance at every step
Apply Loan Now
Committed to secure, smooth, and customer-friendly financial services.
Apply Loan Now
Covers planned or medical expenses, hospitalisation, surgery, or treatment costs for self or family members.
₹50,000 – ₹10,00,000
8.5% – 17%p.a. (indicative; subject to credit profile)
12 – 60 months
1% – 3% of loan amount + 18% GST
Helps cover wedding-related expenses such as venue, catering, jewellery purchase, and ceremonies — for self or family members.
₹1,00,000 – ₹10,00,000
8.5% – 17% p.a. (indicative; subject to credit profile)
12 – 60 months
1% – 3% of loan amount + 18% GST
Funds domestic or international travel including flights, accommodation, and tour packages — for leisure or family trips.
₹50,000 – ₹5,00,000
8.5% – 17%p.a. (indicative; subject to credit profile)
6 – 36 months
1% – 2.5% of loan amount + 18% GST
Covers coaching fees, certification courses, skill development programmes, or college fees for adults or family members. This is NOT a student loan product..
₹50,000 – ₹7,00,000
8.5% – 17%p.a. (indicative; subject to credit profile)
12 – 48 months
1% – 2.5% of loan amount + 18% GST
Designed for repainting, repairs, flooring, electrical work, plumbing upgrades, or interior improvements to an existing home.
₹1,00,000 – ₹10,00,000
8.5% – 17% p.a. (indicative; subject to credit profile)
12 – 48 months
1% – 3% of loan amount + 18% GST
Grow your farm with flexible Helps purchase electronics, home appliances, furniture, or other consumer goods through affordable monthly instalments.
₹1,00,000 – ₹10,00,000
8.5% – 17% p.a. (indicative; subject to credit profile)
12 – 48 months
1% – 3% of loan amount + 18% GST
Helps combine multiple existing debts — credit card dues, personal loans from other lenders — into a single manageable EMI.
₹1,00,000 – ₹10,00,000
8.5% – 17% p.a. (indicative; subject to credit profile)
12 – 48 months
1% – 3% of loan amount + 18% GST
Pledge your gold with us to fulfil your financial needs based on the gold value, with loans starting from ₹5,000 and benefits for paying early with tenure of up to 12 months.
Loan starts from ₹5,000, get up to 8Lakh
Loan starts from ₹1,50,000, get up to 10Lakh
Loan starts from ₹5,00,000, get up to 10Lakh
Loan starts from ₹10,00,000, get up to 8Lakh
Fill in 3 simple steps · 100% Digital · No Branch Visit Needed
Interest Rate:
Annual interest starts at 8.5% p.a. and can go up to 17% p.a. based on credit profile.
Eligibility:
Loan approval requires full KYC and income validation.
APR Details:
Valid from 01 Jan 2024 – 31 Dec 2027
➤ Min APR: 8.5%
➤ Max APR: 17%
Includes interest, processing fee, and standard loan costs.
Repayment Terms:
Tenure: 12 to 120 months
*T&C Apply
Representative Example:
₹1,00,000 loan at 8.5% p.a. for 24 months:
EMI ≈ ₹4,546/month
Interest ≈ ₹9,104
Total Repayment ≈ ₹1,09,104
Total Interest
₹0
Total Repayment
₹0
Trusted & Transparent Lending
shree muthoot Finance Pvt. Ltd. is an RBI-registered NBFC focused on providing structured and transparent personal lending solutions across India. We help salaried and self-employed individuals access finance with confidence, simplicity, and responsible practices.
No hidden charges or misleading commitments.
Responsible practices with customer-first policies.
Easy documentation with guided loan assistance.
Dedicated support for smooth borrowing experience.
We follow responsible lending practices with customer-first policies, transparent communication, and RBI-compliant processes.
Operates under RBI registration with responsible lending practices.
Your information is protected with secure encrypted systems.
Flexible repayment options without unnecessary foreclosure burden.
Transparent processes aligned with RBI Fair Practice guidelines.
Dedicated assistance for queries, applications, and repayments.
Customer concerns are addressed within defined timelines.
*No prepayment or foreclosure charges applicable after full disbursement, subject to loan agreement terms. Please refer to your loan sanction letter for complete details.
shree muthoot Finance Pvt. Ltd. focuses on responsible lending, transparent communication, and RBI-compliant practices designed to make borrowing simpler and more secure.
All fees and applicable charges are disclosed clearly before loan acceptance.
Structured repayment plans designed to fit different income profiles responsibly.
Apply online securely with document upload and digital verification support.
Lending practices aligned with RBI Fair Practice Code guidelines for NBFCs.
Customer information is protected using secure encrypted systems and workflows.
Our support team assists borrowers with queries, repayment guidance, and concerns.
shree muthoot Finance Pvt. Ltd. is an independent RBI-registered Non-Banking Financial Company (NBFC) focused on responsible personal lending across India. We believe every borrower deserves clear information, fair treatment, and transparent loan terms before making any financial decision.
Interest rates, processing charges, GST, and repayment terms are disclosed clearly before loan acceptance.
Customers receive sanction details and loan agreements with important terms explained before disbursement.
We follow ethical recovery practices and respect customer privacy, dignity, and borrower rights.
Dedicated support and grievance assistance are available for customer concerns and complaint resolution.
Estimate your monthly repayment amount with indicative interest rates and tenure selection.
Figures shown are indicative only. Final loan terms, interest rate, charges, and EMI are confirmed during credit assessment and sanction process.
A transparent and structured application process designed for approvals and responsible lending.
Enter your personal and employment details securely. The application takes approximately 5–7 minutes.
Submit KYC, income proof, and bank statements through our secure digital portal.
Our team verifies documents and reviews your credit profile. Assessment usually takes 1–3 working days.
Eligible applicants receive a formal sanction letter with all applicable charges and loan terms.
After e-signing and approval, the loan amount is transferred directly to your bank account.
Structured financial support for planned or medical expenses and hospitalisation needs.
Finance wedding-related expenses with structured repayment options and flexible tenure.
Manage domestic or international travel expenses through convenient EMI repayment plans.
Financial assistance for skill development, certification courses, or education expenses.
Support for repair, renovation, furnishing, or interior improvement needs.
Combine multiple existing dues into a single structured repayment plan.
Finance appliances, gadgets, electronics, and essential household purchases.
We assess each application individually and fairly. Check if you meet our basic eligibility requirements before applying.
Borderline applicants may be offered a lower loan amount or a shorter tenure based on risk assessment.
Adding a co-applicant with strong credit may significantly improve your eligibility and loan terms.
Check your CIBIL report for errors before applying — correcting errors can improve your score easyly.
ITR filed for the last 2 financial years is strongly recommended for easyer processing and better loan terms.
Cash income without documented proof may limit the loan amount assessed — maintain proper ITR records.
GST registration, trade licence or professional certificate serves as valid business existence proof.
Keep the following documents ready before starting your loan application.
Identity verification
KYC & address proof
Last 3 months
Last 6 months
Annual income proof
Employment verification
Passport-size photo
Identity verification
KYC & address proof
Last 2 years
Last 12 months
GST / Licence / Certificate
Audited financials
Passport-size photo
Transparent disclosure of applicable fees, charges, and borrower-related costs as per RBI Fair Practice guidelines.
| Charge Type | Amount / Rate | When Applicable | Notes |
|---|---|---|---|
| Interest Rate | 8.5% – 17% p.a. | Throughout loan tenure | Offered rate depends on credit profile, income, and tenure. Confirmed in sanction letter. |
| Processing Fee | 1% – 3% of loan amount | At disbursement | Deducted upfront and non-refundable after disbursement. |
| GST on Processing Fee | 18% on processing fee | At disbursement | Applicable as per prevailing government GST rates. |
| Penal Interest | 2% per month | On delayed EMI | Charged on overdue amount in addition to regular interest. |
| Cheque / ECS Bounce | ₹500 per instance | On payment dishonour | GST applicable. Repeated bounces may affect credit score. |
| Loan Cancellation | ₹1,000 + GST | Post disbursement | Processing fee non-refundable. Usage interest applicable. |
| Prepayment / Foreclosure | Nil (Zero) | After first EMI | No charges for partial or full early repayment. |
| Statement of Account | ₹100 + GST | On request | One statement per year provided free of cost. |
| Duplicate NOC | ₹200 + GST | After loan closure | Original NOC provided free after loan closure. |
All fees and charges are disclosed prior to loan acceptance in accordance with RBI Fair Practice Code guidelines for NBFCs. No additional charges will be levied without prior written intimation.
shree muthoot Finance Pvt. Ltd. does not collect any upfront cash payment before loan disbursement. If anyone demands cash in our name, please report it immediately or contact the cybercrime helpline 1930.
The following information is provided for transparency, regulatory reference, and customer awareness purposes.
Find answers to commonly asked questions related to loan eligibility, repayment, documentation, processing, and customer support.
II FLOOR KURIAN TOWERSDOOR NO 58/1091 OPP SARITHA THEATRE COMPLEX ERNAKULAM KERALA IN 682018
