Muthoot Fincorp Limited

Muthoot Fincorp Limited

Muthoot Fincorp Ltd is one of India’s leading Non Banking Finance Companies (NBFCs). As the flagship finance company of Muthoot Pappachan Group, it has inherited values & principles and has taken forward the legacy of over 132-years’ to empower millions of Indians in their grit & determination to rise above their ordinariness towards an aureate tomorrow. With close to 3500 branches across India, Muthoot Fincorp Limited’s endeavour is to serve over 100,000 customers a day. Including other Group-companies products, it offers an extensive array of financial products & services, like Gold Loans, Small Business Loans, Affordable Housing Loans, Two wheeler Fianance, Used-car Loans, Domestic Money Transfer, International Remittance, Foreign Exchange, Insurance Products & Services, Wealth Management Services, Affordable Gold Jewellery and more for common.

Muthoot Pappachan Group

Muthoot Pappachan Group

The Muthoot Pappachan Group, also popularly known as the Muthoot Blue, is built on the bedrock of Trust and is shaped by core values of Integrity, Collaboration and Excellence. With the genesis of its Founder, Shri Muthoot Pappachan’s unwavering faith in God’s teachings of love, respect and duty towards humanity and resolute adherence to basic human values & principles, the Group has evolved over the three decades and more into a business conglomerate that has the well-being of the people at the lower levels of socio-economic strata, at the very centre towards empowering the human ambition of these under-served masses in India.

Services offered at Muthoot Fincorp Ltd:

Gold Loans

Muthoot Fincorp gold loans have different schemes suiting different lifecycle needs of its customer. Muthoot Fincorp offers Gold Loans at reasonable interest rates and maximum value for the pledged ornaments from its close to 3500 branches in India.

Small Business Loans

Muthoot Fincorp offers Small Business Loans which are thoughtfully designed for all kinds of business needs.

Housing Loans

Loans such as affordable housing loan, home improvement loan, self-construction loan, loan against property, resale loan, plot plus construction loan and first purchase from builder loan in order to meet all kinds of fund requirements are offered by Muthoot Housing Finance Limited and serviced by Muthoot Fincorp limited.

Auto Loans

The Two-wheelers and Used car auto loans are designed to cater all vehicle needs of the common man. These loans are commissioned by Muthoot Capital Services Limited and serviced by Muthoot Fincorp limited.

Forex & Other Financial Services

Being a RBI licensed Authorised dealer II category , the foreign exchange at Muthoot Fincorp accepts travellers’ cheques and foreign currencies from non-resident Indians and foreigners. The other financial services include Money Transfer, Microfinance, Wealth Management Services and Insurance services.

Precious Metals

Muthoot Fincorp has made buying hallmarked Gold and Silver very easy and affordable through its sister concern Muthoot Exim Private Limited. The Swarnavarsham and Swethavarsham products allow you to buy the precious metals in small quantities and affordable instalments.


Our Mission

To provide timely small credit to millions of ordinary people, and also provide them with simple options to save their hard earnings.


Our Vision

To be the most trusted financial service provider, at the doorstep of the common man, satisfying him immediately with easy and simple products.


Our Values

We will do everything to gain and maintain the Trust of all the stakeholders and will not do anything to lose their trust.

History of Muthoot Pappachan Group

We take our name, Muthoot, from our family, which is a branch of a traditional Orthodox Christian family, based in Kozhencherry, a small town in the erstwhile primary state of Travancore. (Kerala). In the year 1887, Muthoot Ninan Mathai (Patron Founder of the group), started as a retail and wholesale trader of grains at Kozhencherry. The wholesale goods were supplied to the large Estates owned by British Companies. Later, understanding the needs of the estates’ workers and at the request of the British owners, who appreciated the values & principles of Mr. Ninan Mathai, he started a form of Chit Fund. The aim was to provide self-less service for the workers, who were not able to manage their cash and would tend to lose and/or misspend the same. Giving the workers an avenue for saving, provide for exigencies and also secure their tomorrow, Started as a simple solution to the need at that point in time, soon gained momentum and spread across. The business grew slowly but steadily along with its share of ups and downs. Functioning out of a single office in Kozhencherry, Muthoot Ninan Mathai entered the gold loan business in the 1950s. He soon went on to become the largest player in Chits & Gold Loans. Even today, people from across the state are happy to come to Kozhencherry for gold loans & chits. The Late Muthoot Ninan Mathai had four sons, Ninan Mathew, M. George, M. Mathew and Mathew M. Thomas (Muthoot Pappachan) who were involved in the business from their childhood and later took over the family business. In the late 1980s, the business was most amicably split four ways and Shri Muthoot Pappachan founded the Muthoot Pappachan Group.

Over the years, the Muthoot Pappachan Group has grown to become a significant entity in the Indian business landscape. “A journey of a thousand miles begins with a single step”. True to this adage, the group which planted its roots in retail trading, later diversified and made it’s mark, into various sectors including Financial Services, Hospitality, Automotive, Realty, IT Services, Healthcare, Precious Metals, and Alternate Energy.

Where Does the Group Stand Today

Currently Muthoot Blue has over 26,000 employees, serving around 5 million customers through its 4,200+ branches, other offices and team on the ground, across the country. Our extreme customer-centric approach and innovation in terms of new products that cater to changing customer needs, have helped in winning the loyalty of innumerable customers, as well as in attracting new ones. Adopting the latest technology and new ways to serve customers, without compromising on basic principles and ethics we have been following since our inception, is what drives the Group.

Group’s Focus on Philanthropy Remains Unchanged

Driven by the values & principles of our kindred Founder, the Group set up the Muthoot Pappachan Foundation, a Public Charitable Trust – the CSR arm of MPG that has touched thousands of lives through its diverse programs. The CSR initiatives of Muthoot Blue revolve around the theme HEEL, covering Health, Education, Environment and Livelihood.

We have established a business without boundaries, where challenges are considered the stepping-stones to progress. Muthoot Pappachan Group strives to take the world forward and with perseverance, commitment, and sincerity, and we know, the possibilities are infinite!