iMuthoot Muthoot Finance Loans5.1

The iMuthoot app by Muthoot Finance is a trusted digital platform used by millions of
users. It allows you to apply for instant loans, manage and repay gold loans, personal
loans, business loans, home loans, and LAP, pay utility bills, recharge mobiles, and even
shop online - all from one secure app.
Key Features
- [ ] Loans Made Simple: Apply for Gold Loan, Personal Loan, Home Loan, Property
Loan (LAP), Business Loan and more in just a few steps
Highlights of Personal Loan
- Personal Loan Amount: ₹50,000 to ₹20 Lakh
- Repayment Tenure: 12 to 72 months
- Rate of Interest: 12.99% to 32% p.a.
- Processing Fees: Up to 4.13% of the loan amount (inclusive of applicable taxes)
Example: For a personal loan of ₹1,00,000 at an interest rate of 15% per annum for 12
months resulting in ₹8,310 interest amount (interest rate on a reducing balance
method), with a processing fee of 4.13% (₹4,130) and other charges of ₹500, the total
amount to be repaid after a year is approximately ₹1,12,940.
Note: This is an estimate; the actual interest rate, processing fees and other charges
may vary depending on the product.
- [ ] Smart Loan Management: Pay interest or full amount, renew loans, avail top-ups, or use Flexi Credit to withdraw as needed and pay interest only on what you use. Track and repay EMIs for personal and business loans easily
- [ ] Exclusive Offers & Rewards: Get personalized loan offers based on your repayment history and earn redeemable rewards with every transaction
- [ ] Bill Payments & Recharges: Pay electricity, water, mobile, and other bills instantly. Even use your gold loan top-up balance for bill payments when low on cash, with timely reminders for your next due
- [ ] Shopping Made Easy: Shop conveniently with your Muthoot Finance gold loan balance
- [ ] Smart Tools: Access EMI calculators, repayment reminders, and personalized notifications to stay in control of your finances
- [ ] Simple & Secure Access: Link your bank accounts and PAN, locate nearby branches, and manage all services in one safe app

Why Choose iMuthoot?
- [ ] Repay gold loan interest/principal and EMIs for other loans instantly
- [ ] Get instant top-up on gold loans with direct credit to your bank account
- [ ] Apply for a wide range of loan products anytime, anywhere
- [ ] Pay bills, recharge mobiles, and enjoy secure digital convenience

Download iMuthoot today and experience a faster, smarter, and more rewarding way to
borrow, repay, and manage your finances.

Version History - Find nearby branches with the updated Branch Locator.
- Submit complaints and queries directly through the app.
- Minor bug fixes 5.1 Oct 5 - Renew your Gold Loan with Top-up enabled.
- Enhanced My Loans experience.
- Refreshed UI with a new look.
- Track application status easily. 5.0 Sep 17 Bug fix. 4.9.1 Jul 27 Introduced SIM Binding for enhanced account security and seamless device verification. 4.9.0 Jul 23 - AI-powered gold loan valuation for faster, smarter estimates
- Personal loan documents – download signed agreements & interest certificates in-app
- Gold loan pledge form in your preferred language for better clarity
- Enhanced security measures for a safer app experience 4.8.0 May 8 - Added separate Gold Loan Top-up Loans display
- Personal Loan NOC & Repayment Schedule now available
- Enhanced Gold Loan interest repayment experience
- Upgraded Account Security 4.7.0 Apr 20 Bug fixes
Improved Gold loan Top Up features 4.6.0 Feb 11 Updated locations for Branches and bug fixes. 4.5.1 Jan 8 - Check your gold value easily now
- Muthoot Credit Builder loans now shown in the app
- Improved app design and validations 4.5.0 12/10/2025 iMuthoot just got better for you!

Smarter notifications to keep you updated.

Smoother experience with minor fixes. 4.4.1 10/23/2025 iMuthoot 4.4 brings

Faster top-up journey

Easier gold loan renewal

Bug fixes & UI improvements 4.4.0 09/24/2025 - UI fixes
- Bug fixes 4.3.2 07/21/2025 Enhanced PL calculator
Bug fixes and improvement 4.3.1 06/18/2025 - New Welcome screen
- Improved Login process
- Updated offers
- Improved lead forms 4.3.0 05/26/2025 Improved Consumer Durable Loan experience 4.2.2 05/07/2025 - Payment flow enhancements
- Minor bug fixes 4.2.1 04/10/2025 * Enhanced Repayment Options
* Top-Up Gold Loan for Bill Payments
* HDFC Smart Gateway Integration
* Enhanced Payment Processing
* Critical Bug fixes 4.2.0 03/27/2025 Revamped Gold Loan at Home journey
Enhanced Insta OD visibility and repayment options
UI improvements
Performance enhancements and bug fixes 4.1.0 01/27/2025 Introducing a refreshed dashboard UI for a smoother and more intuitive experience. 4.0.0 11/25/2024 Performance improvement 3.9.7 11/07/2024 Bug fixes 3.9.6 10/10/2024 Simplified the login experience for quicker and easier access to your account.
More intuitive and user-friendly interface for Gold Loan Top-up. 3.9.5 09/03/2024 Security improvements 3.9.4 07/29/2024 Renew your Gold Loan 3.9.3 07/10/2024 Critical bug fixes 3.9.2 06/06/2024