🇮🇳 India

Muthoot Homefin Last updated2026-05-28

Muthoot Homefin EMI Calculator 2026 rates.

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Quick answer

Muthoot Homefin home loan rate starts at 10.5% (typical 12%) as of 2026. A ₹50 lakh loan at 12% over 20 years = an EMI of approximately ₹55,054/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Muthoot Homefin loan rates (May 2026)

🏠 Home Loan

10.5–15.5%

typical: 12% p.a.

💵 Personal Loan

12–18%

typical: 13.5% p.a.

🚗 Car Loan

9.5–13%

typical: 10.5% p.a.

💳 Processing Fee

1.0-2.0% of loan amount (min ₹3,500) for home loans. LAP attracts 1.5-2.5%.

🔁 Prepayment

Zero foreclosure on floating-rate individual home loans (RBI mandated). 4% on fixed-rate loans prepaid from non-own-source funds within 3 years.

About Muthoot Homefin

Why choose Muthoot Homefin?

Muthoot Homefin (India), incorporated in 2011, is a wholly-owned housing-finance subsidiary of Muthoot Finance Limited — India's largest gold-loan NBFC promoted by the M.G. George Muthoot family. The HFC has an AUM of approximately ₹2,000 crore, operating through a mix of own branches and cross-leverage of Muthoot Finance's 5,000+ gold-loan branch network. Muthoot Homefin focuses on affordable-housing borrowers in Kerala, Tamil Nadu, Maharashtra, Gujarat, and select North Indian states, with average ticket sizes of ₹8-12 lakh and a self-employed informal-sector borrower mix.

🎯 Unique angle

Muthoot Homefin leverages parent Muthoot Finance's 130-year brand and 5,000-branch gold-loan distribution to cross-sell affordable home loans, with gold-loan repayment track record serving as alternate credit underwriting for thin-file borrowers.

Product highlights

✓ Affordable Home Loan (Self-Employed)
✓ Salaried Home Loan
✓ Home Construction Loan
✓ Plot Loan
✓ Loan Against Property (LAP)

❓ Muthoot Homefin FAQ

Common questions.

How is Muthoot Homefin different from a bank or large HFC?

Muthoot Homefin is a small but focused affordable-housing HFC under Muthoot Finance (a 130-year-old AA-rated gold-loan NBFC). It targets self-employed informal-sector borrowers in South India and select Hindi-belt states with ticket sizes of ₹5-20 lakh — a segment banks and large HFCs cannot economically reach. Gold-loan customer cross-sell and brand familiarity in South India are its core distribution edge.

Who is the ideal Muthoot Homefin borrower?

Existing Muthoot Finance gold-loan customers and other self-employed informal-sector households in Kerala, Tamil Nadu, Maharashtra, and Gujarat, seeking ticket sizes of ₹5-20 lakh and comfortable with the Muthoot brand. First-time home buyers without formal credit bureau history are a key segment.

Is Muthoot Homefin safe given its small size?

Muthoot Homefin is wholly owned by Muthoot Finance Limited, a BSE/NSE-listed and AA-/AA+ rated NBFC with one of the longest credit track records in Indian financial services (130+ years across the Muthoot group). The HFC carries A+/AA- credit ratings, is regulated by RBI/NHB, and benefits from parent-group liquidity. Home loans are fully secured by property mortgage.

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