5 Key Benefits of a 24x7 Top-Up Loan


If you're an existing Muthoot FinCorp ONE Gold Loan customer, who has pledged your gold but hasn't utilized the full loan amount, then the 24x7 Top-Up loan is a valuable service that you should consider. With this facility, you can access the residual amount and make the most of your gold's value.

Let’s see the benefits of a 24x7 Top-Up loan and how it can help you meet your financial needs.


  1. Access Additional Funds: The primary benefit of a 24x7 Top-Up loan is the ability to access additional funds based on the remaining value of your pledged gold. You can leverage its worth to meet your immediate financial requirements. This flexibility ensures that you can make the most of your gold assets and bridge any funding gaps without the need to liquidate your precious metal.

  2. Convenient and Quick Process: Muthoot FinCorp Ltd. understands the importance of convenience and quick access to funds. With the 24x7 Top-Up Gold Loan, you can apply for the loan from the comfort of your home or visit any of the 4500+ branches across India. This seamless process ensures that you can get the required funds swiftly, eliminating any long wait times associated with traditional loan applications.

  3. Competitive Interest Rates and Zero Processing Fees: When considering a loan, the interest rate and processing fees play a significant role in the decision-making process. With the 24x7 Top-Up loan, you can enjoy competitive interest rates as low as 0.83%* per month, making it an attractive option for accessing funds. Moreover, Muthoot FinCorp Ltd. waives the processing fees, saving you additional costs and making the loan even more affordable.

  4. No Credit Record Check: Unlike traditional loans, a 24x7 Top-Up loan does not require a credit record check. This means that even if you have a less-than-perfect credit history, you can still avail yourself of this loan facility. The loan amount is solely based on the value of your gold, making it accessible to a broader range of individuals who may have faced challenges in obtaining loans through conventional channels.

Muthoot FinCorp Ltd. prioritizes the safety and security of your gold. When you opt for a 24x7 Top-Up loan, your gold is stored in BIS Standard 9400 compliant storage facilities near you. This ensures the highest level of security for your precious metal. Additionally, your gold is insured and tracked during transit, providing you with peace of mind throughout the loan tenure.

A 24x7 Top-Up loan offers numerous benefits to Muthoot FinCorp Ltd. Gold Loan customers, allowing them to unlock the untapped value of their pledged gold. By accessing additional funds conveniently and quickly, borrowers can meet their financial needs without liquidating their gold assets. With competitive interest rates, zero processing fees, and no credit record checks, this loan facility provides a hassle-free borrowing experience. Moreover, the secure storage and insurance offered by Muthoot FinCorp Ltd. ensure the safety of your precious metal throughout the loan tenure. Consider the 24x7 Top-Up loan as a valuable option to maximize the potential of your gold and achieve your financial goals effectively.

Muthoot FinCorp ONE, as an SBU of Muthoot FinCorp Limited, is a one-stop solution for your finances. With a legacy spanning over 135 years and the trust of more than 1 crore customers, you can be confident that when you are with Muthoot FinCorp ONE, you are with the best in the business.

So what are you waiting for? Head to the Play Store and download the Muthoot FinCorp ONE app. You can also visit the website today to know more.

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