Muthoot Finance Gold Loan Interest Rate 2025

Published: 1 November 2025

Gold has always been a reliable and valued asset in our homes. It carries both emotional and financial value. When you need quick cash, a gold loan can be a smart option. Among the many lenders, Muthoot Finance is one of the most well-known and trusted. They offer you easy and secure gold loans.

Let’s explore the Muthoot Finance gold loan interest rate and see how it can help you make the right decision.

What Is Muthoot Finance Gold Loan

A Muthoot Finance gold loan lets you use your gold as collateral to quickly get cash. The amount you get depends on the gold's purity and weight. The process is quick, requires minimal documents and your gold is safely stored until repayment.

Muthoot Finance Gold Loan Interest Rate

Muthoot gold loan rate today ranges between 7.5% and 24% per annum in 2025. It depends on many factors.

Here is a simple overview:

Loan Amount (Approx.)	Interest Rate (p.a.)	Tenure (Months)	Remarks
Up to ₹50,000	7.5% to 12%	Up to 12	Good for short-term needs
₹50,000 to ₹5,00,000	10% to 18%	Up to 24	For those planning to take a loan for a medium-term duration
Above ₹5,00,000	12% to 24%	Up to 36	For larger loan amounts with terms that suit your needs

You can check the Muthoot gold loan rate per gram today on their official website. It changes daily based on market gold prices.

Muthoot Gold Loan Rate Per Gram Today

Today Muthoot gold rate or Muthoot Finance gold rate per gram is directly linked to the current gold market rate. In October 2025, the Muthoot gold loan rate per gram today is approximately ₹5,800 to ₹6,200 per gram for 22-carat gold. However, this can vary across cities and branches due to fluctuations in market rates.

It is important to note that the amount you receive depends not only on the rate per gram but also on the LTV ratio set by the RBI. As per the RBI guidelines, lenders can finance up to 75% of the gold’s market value.

Muthoot Finance Gold Loan Calculator

Before applying, you can use the Muthoot gold loan calculator available online to estimate how much you can borrow. The calculator helps you check the eligible loan amount based on the gold’s purity, weight, and current rate.

Here’s how you can use it:

Visit the Muthoot Finance official website.
Go to the Muthoot gold loan calculator section.
Enter the weight and purity of your gold.
The calculator will show you an estimated loan amount and interest payable.

This tool helps you plan better by showing you the Muthoot Finance gold loan per gram value and potential repayment amount before applying.

Muthoot Finance Gold Loan Schemes 2025

Here is the Muthoot Finance gold loan scheme that matches your different requirements:

Scheme Name	Interest Rate (p.a.)	Key Features	Best For
Muthoot Advantage Gold Loan	From 7.5%	Lower rates for regular payers	Salaried and business owners
Muthoot Smart Gold Loan	9% to 16%	Online renewal and part payment	Digital users
Muthoot EMI Gold Loan	11% to 18%	Monthly instalment option	Long-term borrowers
Muthoot High Value Gold Loan	12% to 24%	Larger amounts with flexible tenure	Businesses and traders

You can choose the one that suits your financial needs.

Factors Affecting the Muthoot Finance Gold Loan Interest Rate

The gold loan interest rate Muthoot Fincorp and Muthoot Finance can depend on several factors:

Loan Amount: Larger loans can have slightly higher interest rates.
Tenure: Shorter loan periods often mean you pay less interest.
Gold Purity: Higher purity gold can fetch better terms.
Market Value: The daily gold rate directly impacts the eligible amount.
Repayment Type: Schemes with EMI options may have higher rates than bullet repayment schemes.

How to Apply for a Muthoot Finance Gold Loan

You can apply for a Muthoot Finance gold loan both online and offline. Here’s how:

Online Application: Visit the Muthoot Finance website and fill in your basic details. Use the calculator to estimate your loan amount.
Branch Visit: Carry your gold ornaments and KYC documents to the nearest branch.
Gold Evaluation: Your gold will be checked to see how pure it is and its weight.
Approval and Disbursal: Once verified, the amount is disbursed instantly to your account.

Platforms like My Mudra make this process easier for you. We connect you with multiple lenders, including Muthoot Finance, allowing you to compare rates and apply easily.

Benefits of Choosing Muthoot Finance Gold Loan

Quick Disbursal: You can get funds in just a few minutes.
Flexible Repayment: You can choose between EMIs, bullet payments or part payments.
High Loan Value: Get up to 75% of your gold’s value.
Trusted Provider: Muthoot Finance is one of India’s oldest and reliable gold loan providers.
Secure Storage: Your gold is kept safe and fully insured while your loan is active.

Tips to Get the Best Gold Loan Deal

To make the most of your Muthoot gold loan rate today, here are some simple tips:

Compare different schemes to find the lowest Muthoot Finance gold loan interest rate.
Use the Muthoot Finance gold loan calculator to plan your repayment schedule.
Redeem your gold as soon as possible to avoid extra interest charges.
Stay updated with today Muthoot gold rate before pledging your jewellery.
Keep up a good repayment history to get better interest rates later.

Conclusion

A Muthoot Finance gold loan is a quick and safe way to get cash when you need it. It is a reliable option for borrowers in 2025. The Muthoot Finance gold loan interest rate is your perfect choice for your gold loan. If you want to explore more lenders or compare options, our platform is your stop. We help you to compare options and make an informed choice.

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Anjali Singh Assistant Manager

Hey there, I'm Anjali Singh. With over 6 years of experience in finance, I specialize in creating content on banking, loans, and financial planning. My goal is to simplify complex financial topics and help readers make informed decisions through my articles.