5 Key Pointers About the Tenure of Your 24x7 Top-Up Gold Loan


If you are an existing Muthoot FinCorp Ltd. Gold Loan customers who hasn’t utilised the full Gold Loan amount, you can now benefit from the 24x7 Top-Up Gold Loan. This value-added service allows you to access the residual amount of your Gold Loan.

Let's discuss the tenure of your 24x7 Top-Up Gold Loan and provide you with essential information. Read on to know more.


  1. Loan Tenure Based on Residual Gold Loan: The tenure of your 24x7 Top-Up Gold Loan will depend on the remaining tenure of your active Gold Loan. This means that the additional loan will be synchronised with the tenure of your existing Gold Loan. So, if you have a Gold Loan with a remaining tenure of six months, your Top-Up loan will also have a tenure of six months.

  2. Minimum Residual Tenure Requirement: To be eligible for the 24x7 Top-Up Gold Loan, your active Gold Loan must have a minimum residual tenure of 50 days. This requirement ensures that you have a sufficient duration left on your existing loan to make use of the additional funds. It provides a convenient way to access the remaining loan amount without the need for a separate application process.

  3. Access the Residual Amount: The 24x7 Top-Up Gold Loan allows you to access the residual amount of your Gold Loan without any hassle. It enables you to make the most of your pledged gold by utilising the untapped loan-to-value (LTV) portion. By getting this , you can conveniently meet your financial needs without the need for a new loan application or additional collateral.

  4. Convenient Application Process: Applying for a 24x7 Top-Up Gold Loan is quick and easy. As an existing Muthoot FinCorp Ltd. Gold Loan customer, you can visit any of the 3619 branches across India to initiate the process. Alternatively, you can apply for the loan from the comfort of your home using the Muthoot FinCorp ONE app or website. This streamlined application process ensures convenience and efficiency.

  5. Added Benefits and Safety Measures: When you choose Muthoot FinCorp Ltd. for your 24x7 Top-Up Gold Loan, you benefit from additional advantages and safety measures. Some of these include:

    a. Instant transfer to bank account: Once approved, the loan amount will be quickly transferred to your designated bank account.

    b. 100% access to your gold: Despite utilizing the residual amount, you retain complete access to your gold.

    c. 100% safe and secure storage: Your gold is stored in Muthoot FinCorp branches that comply with BIS Standard 9400 for gold storage and safety.

    d. Gold insurance and tracking: Your gold is insured and tracked during transit, ensuring its security throughout the loan process.

The 24x7 Top-Up Gold Loan is a valuable service for existing Muthoot FinCorp Ltd. Gold Loan customers who have not utilised the full loan-to-value of their pledged gold. The tenure of your Top-Up loan will align with the remaining tenure of your active Gold Loan, provided it meets the minimum residual tenure requirement.

By getting this feature, you can conveniently access the residual amount without the need for additional collateral or a separate application process. With added benefits and safety measures, Muthoot FinCorp Ltd. ensures a seamless and secure experience for its customers.

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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