What Muthoot Finance asks for on personal, home loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Muthoot Finance tends to lend (our read): Gold-loan giant whose personal loan now publishes a 21 to 67 age window, a Rs 50,000 to Rs 20 lakh ticket and a 13.5% starting rate, while its home-loan pages still describe documents rather than policy. Lends in: Metro, Tier 2, Tier 3 / other locations.
Muthoot Finance Personal Loan Eligibility
Inferred
By ClearToLend's estimate (not a rule Muthoot Finance publishes). See the source card.
Age
21 to 67 years (age when the loan ends)
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Minimum credit score
600 (CIBIL or equivalent)
Employment
Salaried or self-employed
Loan amount
₹50,000 to ₹20,00,000
Tenure
1 year to 5 years
Documents Muthoot Finance lists
Identity proof (Aadhaar / voter ID / driving licence) and address proof (Aadhaar / passport / utility bill / voter ID)
Bank statement for the last 3 months and passbook for 6 months
Salaried: 3 latest salary slips (mandatory), ITR or Form 16
Self-employed: residence and office ownership proof, business existence proof, ITR and P&L where applicable
Research notes
Re-tagged inferred because the 21-67 age window and the 600+ score (750+ ideal) come from the FAQ, and no income floor is published (the nominal floor is an estimate). The product page and loan policy publish loans from about Rs 50,000 up to Rs 20 lakh, a 60-month maximum tenure and rates from 13.5% (no ceiling published, so the engine rate card applies). Eligible applicants are government / public-sector or established private-sector employees, self-employed applicants meeting income and risk norms, or anyone offering 100% collateral; processing typically takes 1 to 7 days.
By ClearToLend's estimate (not a rule Muthoot Finance publishes). See the source card.
Age
23 to 67 years (age when the loan ends); self-employed up to 70
Minimum income
₹25,000 net per month; self-employed: ₹1,20,000 a year
Credit score
725+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Work experience (salaried)
1 year total
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹3,00,000 to ₹3,00,00,000
Tenure
1 year to 20 years
Documents Muthoot Finance lists
Two photographs per applicant; identity, address and age proof (passport / voter ID / driving licence / PAN / Aadhaar / utility bill / birth certificate)
Salaried: 3 months' salary slips, Form 16, ITR for 2 years, 6 months' bank statements showing salary credits, employer letter
Self-employed: business existence proof, ITR for 2 years, balance sheet and CA-attested P&L for 2 years
Property: sale deed, payment receipts, allotment letter, builder / society NOC, encumbrance certificate, tax receipts, approved plan
Research notes
INFERRED from Muthoot's own blog (8 Apr 2025): resident Indians aged 23-67 if salaried or 23-70 if self-employed, Rs 25,000 minimum net monthly income, 725+ CIBIL described as ideal, 1 year of work experience for salaried applicants and 2 years of stable business income for self-employed. The eligibility page lists only documents and says a co-applicant, cleared debts and declared additional income improve eligibility. Amount, tenure, rate and the self-employed income floor are not published and remain affordable-housing NBFC estimates.
ClearToLend is not affiliated with or endorsed by Muthoot Finance. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Muthoot Finance before you apply. A match is not a loan offer or approval.
Muthoot Finance Loan FAQs
The minimum net monthly income is ₹15,000, by ClearToLend's estimate (not a rule Muthoot Finance publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 600 or above, by ClearToLend's estimate (not a rule Muthoot Finance publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 67 when the loan ends, by ClearToLend's estimate (not a rule Muthoot Finance publishes).
The minimum net monthly income is ₹25,000, by ClearToLend's estimate (not a rule Muthoot Finance publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 23 and no older than 67 when the loan ends, by ClearToLend's estimate (not a rule Muthoot Finance publishes).
No. ClearToLend compares your details with Muthoot Finance's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Muthoot Finance and does not send your details to it.
