Finding the Perfect Amount for Your 24x7 Top-Up


If you are an existing Muthoot FinCorp ONE Gold Loan customer looking to unlock the residual amount of your pledged gold? With the 24x7 Top-Up loan, you can now avail the funds you have not utilized to their full loan-to-value (LTV) potential. In this article, we will explore the minimum and maximum amounts sanctioned for a 24x7 Top-Up loan in a day, along with other important details you need to know.

  • Minimum Top-Up Loan Amount: Rs. 1,000 If you are eligible for a 24x7 Top-Up loan, the minimum amount you can avail is Rs. 1,000. This allows you to access a small portion of the unused funds from your active Gold Loan.

  • Maximum Top-Up Loan Amount: Rs. 5,00,000 The maximum amount sanctioned for a 24x7 Top-Up loan in a day is Rs. 5,00,000. This provides you with the flexibility to access a substantial sum of money based on the available top-up amount and your LTV conditions.

  • Multiple Loans upon 1 Active Loan: You can take multiple 24x7 Top-Up loans upon 1 active loan. However, this is subject to your LTV conditions and the residual balance available in your active Gold Loan account. It allows you to access additional funds whenever you need them, without the need for a new loan application.

  • Same Interest Rate as Corresponding Gold Loan: The 24x7 Top-Up loan carries the same interest rate as your corresponding active Gold Loan. This ensures consistency and transparency in the interest charges, making it easier for you to manage your finances.

  • Tenure Based on Remaining Gold Loan: Tenure The tenure of your 24x7 Top-Up loan will be the remaining tenure of your corresponding active Gold Loan. This means that the repayment period for the top-up loan aligns with the time left on your original loan. However, please note that only active Gold Loans with a minimum residual tenure of 50 days will be considered for a top-up loan.

  • Value-Added Service for Existing Customers: The 24x7 Top-Up loan is a value-added service exclusively designed for existing Muthoot FinCorp ONE Gold Loan customers. It caters to customers who have pledged their gold under various schemes but have not utilized the full loan-to-value potential. With this facility, you can now access the residual amount and make the most of your gold's value.

The 24x7 Top-Up loan provides existing Muthoot FinCorp ONE Gold Loan customers with the opportunity to access the unused funds from their pledged gold. Whether you need a small amount or a substantial sum, you can avail a minimum of Rs. 1,000 and a maximum of Rs. 5,00,000 in a day. With the same interest rate as your corresponding Gold Loan and a tenure aligned with the remaining loan period, the 24x7 Top-Up loan offers convenience and flexibility. Take advantage of this value-added service and unlock the true potential of your gold assets today.

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.

About Muthoot FinCorp ONE

Muthoot FinCorp ONE is an all-in-one digital financial platform that makes getting an MSME & a Gold Loan, investing in Digital gold & NCDs, making payments & remittances, buying insurance & exchanging forex, simple and convenient.

As an SBU of Muthoot FinCorp Limited, Muthoot FinCorp ONE is backed by a legacy stretching back over 135 years, and the trust of more than 1 crore customers and is building a holistic financial ecosystem using the latest digital products for lending, investing, protection and payments.

Muthoot FinCorp ONE continues to uphold the values of the parent, the Muthoot Pappachan Group (Muthoot Blue) by providing its customers with easily accessible services, replete with unmistakable quality. The Muthoot Pappachan Group is among India’s most reputed names in the financial services industry, with customers in diverse segments like Automotive industry, Financial Services, Hospitality, Alternate Energy, Real Estate, and Precious Metals.

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