Declare your ornaments, get an indicative offer in 90 seconds, and let a verified Muthoot banker appraise them at your doorstep — while you watch every gram being weighed.
on 54 g of 22K gold · 75% LTV
Live valuation streams to your phone as the banker weighs each ornament. Declared vs actual, side by side.
The banker's identity is verified by an OTP that only you receive and only you type. Valuation stays locked until then.
Ornaments are sealed in a numbered pouch in front of you, photographed, and QR-tagged to your loan account.
Seven checkpoints from your doorstep to the vault — each one timestamped and pushed to your phone.
Interest, processing, insurance and net disbursement shown on one screen before you accept. Nothing added later.
Close the loan and book a gold-release slot. Identity re-verified, seal broken in front of you, ornaments returned.
Add each ornament with weight, purity and photos. Takes about two minutes.
An indicative amount, instantly. Complete KYC and pick a doorstep slot.
A verified banker arrives, you verify them, and the appraisal runs live on your screen.
Approve the final offer. Gold is sealed, money hits your account before the banker reaches the branch.
Updated 26 Jul, 9:00 AM IST. Loan value is calculated on net gold weight after deducting stones and fastenings, at up to 75% LTV as permitted by RBI.
We'll send a 6-digit code. This number becomes your loan account login.
Enter these exactly as they appear on your PAN card — we check them against the income tax database in the background.
Name and date of birth are matched against your PAN by Protean. Nothing is stored until the match succeeds.
Approximate is fine — everything is confirmed at appraisal.
Add each piece separately — chains, bangles, rings, coins.
Leave it on Not sure and we apply a cautious stone allowance, so your estimate doesn't overshoot.
Gold ornaments in Indian households are very often held by a woman in the family. If this piece is hers, her consent has to be on record before it can be pledged.
Tap each tile to capture. Good light, plain background, no filters.
Up to 75% of the value of 0 g net gold, at today's rate
You can do this now, or finish it at your appointment.
If someone else in your household owns part of the gold, or you'd like a second name on the loan, add them here.
Choose where it happens, then pick a slot.
Your banker is allocated from here and your gold is vaulted here.
We'll assign a banker who speaks this language.
Application GL-2607-88421
Does the face and the badge in front of you match this photograph and these details?
Every reading appears here the moment it's recorded on the certified scale.
0.00 g net gold appraised so far
Review carefully. Nothing is charged unless you accept.
| Ornament | Declared | Actual | Net gold |
|---|
Fees are collected separately before disbursal, so the full sanctioned amount reaches you. Next: bank details, eSign, insurance and fee payment.
Watch the banker place your ornaments into the tamper-evident pouch before it is closed.
All four photographs are attached to your loan file and downloadable any time.
Credited once the seal is verified at the branch — usually within 60 minutes
Packet MFL-PKT-2607-88421 · Seal SL-4402917
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Gold prices are up 4.2% since your pledge. You can draw more against the same ornaments without any new appraisal.
Loan GL-2607-88421 is closed and your ornaments are back with you. Thank you for banking with Muthoot.
Loans above ₹2.5 lakh need an income assessment alongside the gold valuation. The documents we ask for depend on your constitution.
Auto-read from your bank statement and ITR. Correct them if anything looks off — we re-verify against the documents.
We sanction the lower of what your gold supports and what your income can service.
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The account must be in your own name. We deposit ₹1 to confirm it before disbursal.
As per PAN — the bank account name must match this.
Approve the ₹1 request in your UPI app — the amount is refunded immediately.
Open each document. The Key Facts Statement must be read in full before signing — it is your RBI-mandated summary of cost.
One cover is included by us at no cost. The rest are entirely optional — declining them does not affect your loan or its rate.
Covers loss, theft or damage to your ornaments from the moment they are sealed at your doorstep until they are returned to you. Sum insured ₹5,00,000. Underwritten by a partner general insurer.
Personal accident cover of ₹5,00,000 plus outstanding-loan waiver on accidental death. 12-month term.
Raises the sum insured on your ornaments from ₹5,00,000 to ₹15,00,000 for the full loan period.
Choose how you'd like to settle each one. Whatever you deduct comes off your disbursal; whatever you collect now goes through the payment gateway after signing.
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Payable through the gateway right after you sign.
Visa, Mastercard, RuPay and Amex accepted. Card details are tokenised — we never store them.
is released to your verified account once your gold reaches the branch vault
Your doorstep banker is allocated from this branch, and your ornaments are vaulted here until the loan is closed.
Pick the structure that matches your cash flow. This choice is written into your Key Facts Statement and sanction letter, so make it before you sign.
| Due | Principal | Interest | Payment | Balance |
|---|
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Both take about the same time. Pick the one that fits.
Straight off your sanction letter. We confirm the exact payoff with your lender before anything is settled.
Your ornaments are physically in this branch's vault — we need it to arrange the release.
Helps us estimate what's still outstanding if you left that blank.
is what we would pay your lender to release your gold
Application GL-2607-88421
Show this at the counter — no queueing
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Final figures follow the appraisal at the branch and the payoff quote from your lender.