Specialized NBFCRBI Priority Sector Lending
Muthoot Finance Agri Gold Credit Scheme
मुथूट फाइनेंस कृषि स्वर्ण ऋण — Agricultural Gold Loan Dossier
Muthoot Finance provides rapid agricultural liquidity for emergency input procurement when formal bank branches are distant or closed during critical sowing periods.
Concessional Rate8.5% p.a.PSL Subsidized
Maximum LTV75%Of market gold value
Max LimitNo upper limitPer farmer borrower
Disbursement7 minutes instant cash / bank transferRapid counter release
Official Muthoot Agri Gold Customer Care:Toll-Free Helpline: 1800-313-1212
Key Agricultural Lending Advantages
Unmatched branch network within 2 to 5 km of every APMC mandi and rural market.
No formal income proof or land holding ceiling required; simple crop declaration.
Instant cash or bank IMPS disbursement within minutes.
Harvest-Aligned Repayment Modes
Option 1
Bullet Repayment at Maturity
Option 2
Flexible Part-Payments Anytime
Mandatory Agricultural Documentation
Carry these simple documents to your nearest branch to secure the 7% concessional Priority Sector Lending rate:
1Aadhaar card or Voter ID
2Self-declaration of agricultural/allied purpose
Scheme Specifications
Interest Rate:8.50% to 9.50% p.a. (Special Agri Concession)
Max Loan Amount:No upper limit
Max LTV:75%
Processing Fee:Minimal appraisal charge (₹100–₹500)
Tenure:12 Months
Compare Other Agri Gold Lenders
FAQ
Frequently Asked Questions on Muthoot Agri Gold
Muthoot Finance Agri Gold Credit Scheme offers a concessional interest rate of 8.50% to 9.50% p.a. (Special Agri Concession) for agricultural borrowers, provided basic agricultural land documents (7/12 extract, Khasra, or crop sowing certificate) are furnished.
Loans are typically sanctioned for a tenure of 12 months with flexible Bullet Repayment options, allowing the farmer to repay both the principal and accrued interest at one go after the harvest crop auction.
In accordance with RBI directions, Muthoot Agri Gold sanctions up to 75% of the net market value of hallmarked 22K/24K gold jewelry, appraised electronically in the branch.
Tenant farmers, sharecroppers, and oral lessees can still qualify by submitting a self-undertaking of cultivation countersigned by the local Village Panchayat Sarpanch or Agriculture Assistant, or by enrolling under the bank's allied agri-credit category.