Chapter 3PRODUCT AND SERVICE

Express Gold LoanYour Gold - The key to generate fast cash. Let's make things easy! Sometimes, we all face situations when quick finance is required, be it for your business, your child's education, a new home or an emergency.

That's why we have financial offerings that have been designed to meet the quick and easy need for liquidity. Our uncomplicated procedures ensure that you receive the loan in the shortest time possible. This will help you get better rates per gram of gold compared to other institutions; part redemption allowed; part payment allowed.

DocumentsOriginal proof of identification. Any of the following are acceptable: Passport Govt of India election ID card with address proof PAN card with address proof Driver's licence Any Govt departmental ID card We are bound by and follow KYC norms as per the regulator's guidelines.

EMI Gold LoanMuthoot Fincorp introduces the EMI Gold Loan Scheme where you can repay the loan in Equated Monthly Instalments. This product is a substitute for those who avail personal loan/ consumer loan, and can be utilised for meeting immediate requirements viz. Medical expenses, childrens education & other personal expenses OR for Purchase of Consumer Goods like TV, Laptop etc. With a minimum loan amount of Rs. 25,000 and easy repayment tenures (3, 6, 9, 12, 24 months), this gold scheme has been designed to suit your financial requirements.

Documents needOriginal proof of identification. Any of the following are acceptable: Passport Govt of India election ID card with address proof PAN card with address proof Driver's license Any Govt departmental ID card We are bound by and follow KYC norms as per the regulator's guidelines.

Money Transfer As Easy As Snapping Your FingersMuthoot Fincorp has partnered with Western Union Money Transfer, MoneyGram, Xpress Money, EzRemit and Trans-Fast to offer you this special service. We can help you to receive money the quick and reliable way. It's a safe way of inward transfer of money instantly with minimum service charge.

Visit your nearest Muthoot Fincorp branch and meet your family's financial requirement instantly. Only duly filled application form and id proof will be required. Other features of this service includes: Inward remittance of money from foreign countries; Fast service- transaction time is less than 10 minutes; Amount payable at a time is equivalent of USD2,500/-. However, cash payment is allowed only up to Rs.50,000/- (Higher amount will be paid by cheque only); Receive money within minutes of transfer; Repeat customers do not need to produce ID proof; No bank account required for sender or beneficiary; Issuance of loyalty number is a unique facility offered by us which avoids submission of ID proof each time.

Documents needOriginal proof of identification. Any of the following are acceptable: Passport Govt of India election ID card with address proof PAN card with address proof Driver's licence Any departmental ID card

Foreign ExchangeBe equipped with the currency of the place you travelBecause you just don't want to be a spectator in that foreign land. Of course, you would want to indulge yourself in the place wherever you are. At Muthoot Fincorp, we offer you the best rates through our intimate knowledge of the wholesale and retail financial markets. We are an experienced team of advisors supported by the latest technology & are abreast with the trends in the industry. Individual or corporate, a dedicated customer service person is assigned to each customer. You can easily buy and sell all major currencies with zero per cent commission (currently 25 destination currencies available). We are bound by and follow KYC norms as per the regulator's guidelines.

Documents needOriginal proof of identification. Any of the following are acceptable: Passport Govt of India election ID card with address proof PAN card with address proof Driver's licence Any departmental ID card

Other Products Today, financial needs are manifold and unpredictable. It's times like these when you need solutions with minimum hassle. Muthoot Fincorp Ltd. (MFL) along with its sister concerns bring you a host of solutions for some your financial dilemmas.

DEMAT accountShares and Debentures are traditionally held in physical or paper form. This method could lead to loss/theft of certificates, forged/fake certificates, cumbersome and a time consuming procedure for transfer of Shares and Debentures. Therefore, to eliminate these weaknesses, a new system called Depository System was introduced in India after the enactment of the Depositories Act 1996.A depository system is a system, which holds your Shares and Debentures in the form of electronic accounts in the same way a bank holds your money in a savings account.Depository system provides the following advantages to an investor: Your Shares and Debentures cannot be lost/stolen or mutilated. You never need to doubt the genuineness of your Shares and Debentures i.e., whether they are forged or fake. Share transactions like transfer; transmission etc. can be effected immediately. Transaction costs are usually lower than that in the physical segment. There is no risk of bad delivery. Bonus/rights Shares and Debentures allotted to you will be immediately credited to your account. You will receive the statement of account of your transactions/holdings periodically. When you decide to have your Shares and Debentures in electronic form you should approach a Depository Participant (DP) who is an agent of the depository to open an account. You should surrender your share certificates in physical form and your DP will arrange to get them sent to and verified by the company and on confirmation credit your account with an equivalent number of Shares and Debentures. This process is known as dematerialization. You can always reverse this process if you so desire and get your Shares and Debentures reconverted into paper form. This process is known as Rematerialisation.

Home Loans Muthoot Housing Finance Company Ltd.Muthoot Housing Finance Company Ltd (MHFL) is a subsidiary of Muthoot Fincorp Ltd and is registered with the National Housing Bank . MHFL caters mainly to the housing finance requirements of customers in the middle and lower income category . The company offers housing loan to the people in the unorganized sector to make their dream of owning a home come true. The loans range from Rs. 3 lakhs to 15 lakhs with a loan repayment period of upto 15 years and upto 80% of the property value. Loans are offered on a variety of property types - from ready to move in flats to under-construction house / flats, to self construction on owned plot and for home extension requirements.

Auto Loans Muthoot Capital Services LtdAlways dreamed of a swanky new car or a cool two-wheeler that'll make the ride from home to work and back less tedious? Here's your chance to own the vehicle of your dreams! Muthoot Capital Services Ltd., offers loans upto 90% of the on-road price of two wheelers and upto 80% for used cars on attractive interest rates and easy EMI's. MCSL also offers three wheeler loans . To get more details, visit any of the Muthoot Capital Services Ltd., branches across the country. You can repay the loan in a time span flexible to you at any of the Muthoot Fincorp branches.

Travel Services Muthoot Fincorp brings you Travel Services through Muthoot Travel Online. We offer you end-to-end solutions for your travel needs. These services help you manage life on the move - everything from ticketing (Bus/Train/ Flight), visa facilitation, cab services to hotel accommodations, travel insurance, custom built holiday packages for individuals & families to group travel arrangements for conferences, meetings, incentive tours and exhibitions. Our tailor made solutions have been a repeat success for many large and small corporate houses as well as retail customers. You can avail the service through any Muthoot Fincorp branch.

Jewellery Purchase Muthoot Exim - Precious metals DivisionMuthoot Exim - Precious Metals division specialises in the developing and marketing of precious metal products and related services. Swarnavarsham Jewellery is an effort in this direction. It allows customers to purchase affordable yet hallmarked gold jewellery of low ticket sizes (2 to 8 grams) in tamper proof packaging - a first of its kind in India & in easy instalments