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गैर-बैंकिंग वित्तीय कंपनी (NBFC)व्यापारिक ओवरड्राफ्ट (OD)✓ CGTMSE / Bank Guarantee / Normal Securityसत्यापित: 2026-09-29 (180-दिवसीय SLA)

मुथूट फाइनेंस Finance MSME Gold ओवरड्राफ्ट सुविधा

ऋण प्रदाता बैंक / संस्था: Muthoot Finance Ltd.

₹1 Lakh to ₹1 Crore MSME credit at 9.50% – 14.00% with Up to 12 months (Renewable) tenure.

अधिकतम ऋण राशि₹1 Lakh to ₹1 Crore
ब्याज दर9.50% – 14.00%
पुनर्भुगतान अवधिUp to 12 months (Renewable)
प्रोसेसिंग शुल्क0.50% + GST

💼उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Revolving overdraft facility against gold jewelry collateral providing immediate liquidity for business working capital.

प्रमुख लाभ एवं व्यावसायिक विशेषताएं

Instant loan sanction within 30 minutes; zero balance sheet scrutiny; pay interest strictly on utilized funds.

📋पात्रता मानदंड एवं कोलेटरल नियम (Eligibility & Collateral)

व्यावसायिक पात्रता शर्तें

Any business proprietor with immediate gold collateral.

जमानत / कोलेटरल आवश्यकता (Collateral)

Requires pledge of 18k to 22k gold jewelry with LTV up to 75% as per RBI mandate.

प्रीपेमेंट एवं समय-पूर्व बंद करने के नियम (Prepayment Terms)

Zero prepayment penalty on floating rate loans as per regulatory norms

📂आवश्यक दस्तावेज (Required Documents)

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Caveats)

Requires pledge of 18k to 22k gold jewelry with LTV up to 75% as per RBI mandate.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

Apply online via business net banking or approach loan account manager.

2. नए उद्यमी (ऑनलाइन):

Apply online at https://www.muthootfinance.com/gold-loan with digital KYC and financial statements.

3. बैंक शाखा में जाकर:

Visit nearest MSME branch of the institution with business registration and bank statements.

आधिकारिक आवेदन पोर्टल पर जाएंआधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan tenure and amount for Muthoot Finance MSME Gold Overdraft?

Borrowers can avail ₹1 Lakh to ₹1 Crore with a repayment tenure of Up to 12 months (Renewable).

What are the processing charges and collateral terms for Muthoot Finance MSME Gold Overdraft?

The processing fee is 0.50% + GST. Collateral terms: Requires pledge of 18k to 22k gold jewelry with LTV up to 75% as per RBI mandate.

What are the eligibility criteria for Muthoot Finance MSME Gold Overdraft?

Any business proprietor with immediate gold collateral. Minimum business vintage required is 0 year(s).

How can an applicant apply for Muthoot Finance MSME Gold Overdraft?

Apply online at https://www.muthootfinance.com/gold-loan or visit nearest branch with KYC, Udyam registration, and bank statements.