# iMuthoot Muthoot Finance Loans

> Digital platform for instant loans, loan management, bill payments, and online shopping. (iPhone/iPad app by Muthoot Finance Limited.)

- Source: https://appshunter.io/ios/app/imuthoot-muthoot-finance-loans/id1171002095 (this page in markdown: same URL + `.md`)
- Developer: [Muthoot Finance Limited](https://appshunter.io/developer/1171002094)
- Category: Finance, Business
- Price: Free
- Rating: 4.50/5 from 148 App Store ratings · 64 written reviews indexed
- Age rating: 12+
- Requires: iOS 17.0 · 114 MB
- Languages: American English, Gujarati, Hindi, Kannada, Malayalam, Punjabi, Tamil, Telugu
- Released: 2016-11-02
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/imuthoot-muthoot-finance-loans/id1171002095/reviews.md

## What is iMuthoot Muthoot Finance Loans?

The iMuthoot app by Muthoot Finance is a trusted digital platform used by millions of
users. It allows you to apply for instant loans, manage and repay gold loans, personal
loans, business loans, home loans, and LAP, pay utility bills, recharge mobiles, and even
shop online – all from one secure app.
Key Features
- [ ]  Loans Made Simple: Apply for Gold Loan, Personal Loan, Home Loan, Property
Loan (LAP), Business Loan and more in just a few steps
Highlights of Personal Loan
 - Personal Loan Amount: ₹50,000 to ₹20 Lakh
 - Repayment Tenure: 12 to 72 months
 - Rate of Interest: 12.99% to 32% p.a.
 - Processing Fees: Up to 4.13% of the loan amount (inclusive of applicable taxes)
Example: For a personal loan of ₹1,00,000 at an interest rate of 15% per annum for 12
months resulting in ₹8,310 interest amount (interest rate on a reducing balance
method), with a processing fee of 4.13% (₹4,130) and other charges of ₹500, the total
amount to be repaid after a year is approximately ₹1,12,940.
Note: This is an estimate; the actual interest rate, processing fees and other charges
may vary depending on the product.
- [ ]  Smart Loan Management: Pay interest or full amount, renew loans, avail top-ups, or use Flexi Credit to withdraw as needed and pay interest only on what you use. Track and repay EMIs for personal and business loans easily
- [ ]  Exclusive Offers & Rewards: Get personalized loan offers based on your repayment history and earn redeemable rewards with every transaction
- [ ]  Bill Payments & Recharges: Pay electricity, water, mobile, and other bills instantly. Even use your gold loan top-up balance for bill payments when low on cash, with timely reminders for your next due
- [ ]  Shopping Made Easy: Shop conveniently with your Muthoot Finance gold loan balance
- [ ]  Smart Tools: Access EMI calculators, repayment reminders, and personalized notifications to stay in control of your finances
- [ ]  Simple & Secure Access: Link your bank accounts and PAN, locate nearby branches, and manage all services in one safe app

Why Choose iMuthoot?
- [ ]  Repay gold loan interest/principal and EMIs for other loans instantly
- [ ]  Get instant top-up on gold loans with direct credit to your bank account
- [ ]  Apply for a wide range of loan products anytime, anywhere
- [ ]  Pay bills, recharge mobiles, and enjoy secure digital convenience

Download iMuthoot today and experience a faster, smarter, and more rewarding way to
borrow, repay, and manage your finances.

## Key features

- Apply for gold, personal, home, and business loans
- Manage and repay loans, including EMIs and top-ups
- Pay utility bills and recharge mobile phones
- Shop online using gold loan balance
- Access EMI calculators and repayment reminders
- Securely link bank accounts and PAN

## Recent user reviews (10 of 64)

All indexed reviews: https://appshunter.io/ios/app/imuthoot-muthoot-finance-loans/id1171002095/reviews.md

### 1/5 — 😡🤬🤬🤬

*2026-07-09*

"My experience with Muthoot Finance has been extremely disappointing. I took a personal loan from them, but their customer service is terrible. Whenever I try to contact them regarding a need or query, they never bother to call back or provide a proper response. They have zero respect for their customers' time or needs.  On top of this, their interest rates are unreasonably high. The eagerness they show when issuing the loan completely disappears when you actually need support. Because of the excessive interest rates and highly irresponsible customer service, I strongly do not recommend this institution to anyone."

### 1/5 — Ridiculous app and company strategy

*2026-06-18*

This app is designed in such a away that you should face a lot trouble in repaying the loan so that you end up paying interest more. 
It show thousands of errors while making payments. 
You cannot make payments twice. Either you pay interest or you pay principal- for principle you cannot make one shot payments on same day, you will be givein limit to pay. If You make a payment today, tomorrow it will show u errors in redirecting to the same payment method ao that your loan payment should not take place, it will not connect you to the bank page. Ridiculous rule and app designed to ensure people get frustrated and donot end up repaying thw loan quickkly and somehow they end up getting money. It doesnt show upi options to Mac isers so that they ens up opting for other payment options.
The startegy is to make money somehow by not letting the customers close their loan

### 1/5 — App Performance

*2026-05-30*

This app is literally junk. Almost everytime I opens it is shows some technical issues. Instead of implementing new features in app firstly you guys have to resolve its basic functionality. In 4.8.0 version it is showing that my device is connected to some wifi while my device is not even connected to any wifi ,I tried to reinstall it many time but this version has some issues fix this as soon as possible and try to make the app stable instead of so many new features.

### 1/5 — The App doesn’t Open - No options any longer to pay via UPI

*2026-05-21*

iMuthoot App doesn’t work for me. It just says “You are connected to unsecured WiFi network”. All my Banking Apps works and all my Work Related Apps works which has even more security restrictions. 

Previously repaying was easier, with UPI available directly on the App,  now that is also not available. Have to go through some GPay account a customer care executive provided and that only allows you to repay the interest amount, not partial or full payment. 

I get so many marketing calls from the company and when I highlight these existing issues, they will be like “Oh for that you need to contact that other team as they handle it and we just called you to inform this”!!! Why call someone for new offers if you don’t know about your existing customer experience and not able to resolve them or direct the complaint to the relevant team. Very very disappointed.

### 1/5 — Very Unprofessional Moga (Punjab) Branch

*2026-05-08*

Extremely disappointing experience with Muthoot Finance Moga City Branch (Punjab). We visited the branch continuously for 4–5 days to repay our gold loan and retrieve our pledged gold, but the staff and Branch Manager were reluctant to even accept the payment and release the gold ornaments.

The behaviour of the Branch Manager, Mr. Akashdeep Singh, and staff was highly unprofessional, rude, and insensitive. Customers are treated like a burden rather than valued clients. Shockingly, they openly said “do whatever you want, mail anyone, we are not afraid or accountable.”

### 2/5 — It’s good or bad ??????. My self bad experience.

*2025-12-26*

Good:
The process is fast when the app works (unfortunately, it often doesn’t).
Customer care responds quickly, but the explanations are unclear. For most questions about current updates, the response is usually “we don’t know”, which feels unprofessional—as if the staff are not properly informed or trained.
Bad:
High interest rate. There is a big difference between what is explained at the beginning and what we end up paying at the end.
Another major issue is staff instability. The person who processes the gold loan is often not available during release. In my case, the staff member had already left, leaving no one accountable for the false or misleading information given earlier. This has also happened to other customers.
Poor app performance. The app is unreliable and frequently fails.
No real-time updates compared to other gold loan platforms.
Very poor hospitality and management, both during direct visits and phone calls—especially at the time of gold release.
Overall, the service is not up to current market standards, particularly considering present gold market value and LPG policies.
Usually, people don’t take time to write reviews. If someone does, it means the experience is 100% genuine. Please take this feedback seriously and work on improving the service.

### 1/5 — Extremely reliant on Indian Sim

*2025-12-13*

I am in the US and I cannot even open the app on WiFi. No error screen nothing, just a loading indicator. App only opens on Indian Sim Data. While I was in India, the gpay method didn’t work. Only Razorpay payment method works.

### 1/5 — Cheapest I Muthoot application

*2025-12-10, version 4.4.1*

Super cheap app, The cheapest application i have ever used , you can’t deposit money as they took long time to process , i tried to repay my loan ( part payment ) 24 times and i got succeeded only 6-7 times, rest of the time app shows errors, from last 15 days i am unable to pay part payment as app is not working

### 1/5 — Not able to open app and even login

*2025-10-10, version 4.4.0*

I’ve been trying to log in to the app for the past 5 days, but it just keeps loading endlessly. Even after reinstalling the app, the issue remains the same. If the company is generating good revenue, it would be great to invest in better servers and infrastructure to provide a smoother experience for customers. It’s really disappointing to face such issues repeatedly.

### 1/5 — Very bad app not open in the time of interest pay

*2025-10-09*

Not working app

**Developer response:** Hi, please send us an email along with your registered mobile number and email ID at muthootfinanceapp@gmail.com so we can look into this for you.

## Frequently asked questions about iMuthoot Muthoot Finance Loans

### What can I do with the iMuthoot app?

The iMuthoot app allows you to apply for various loans such as gold loans, personal loans, home loans, and business loans. You can also manage and repay your existing loans, pay utility bills, recharge your mobile, and shop online directly through the app.

### What types of loans are available?

The app offers a range of loan products including Gold Loans, Personal Loans (from ₹50,000 to ₹20 Lakh with tenures of 12-72 months), Home Loans, Property Loan (LAP), and Business Loans. You can apply for these loans in just a few steps.

### How does loan management work?

You can easily manage your loans by paying interest or full amounts, renewing loans, availing top-ups, or using Flexi Credit. The app also helps you track and repay EMIs for personal and business loans and provides repayment reminders.

### Is the app free to use?

Yes, the iMuthoot app is free to download and use. While the app itself does not have a cost, applying for loans or making transactions may involve associated fees and interest rates as detailed in the loan product terms.

### What are the benefits of using iMuthoot for bill payments and shopping?

You can instantly pay electricity, water, mobile, and other utility bills. Additionally, you can use your gold loan top-up balance for bill payments or even shop conveniently for products online, all within the secure app environment.

## Version history (last 5 releases)

### 4.9.1 — 2026-07-27

Bug fix.

### 4.9.0 — 2026-07-23

Introduced SIM Binding for enhanced account security and seamless device verification.

### 4.8.0 — 2026-05-08

- AI-powered gold loan valuation for faster, smarter estimates
- Personal loan documents – download signed agreements & interest certificates in-app
- Gold loan pledge form in your preferred language for better clarity
- Enhanced security measures for a safer app experience

### 4.7.0 — 2026-04-20

- Added separate Gold Loan Top-up Loans display
- Personal Loan NOC & Repayment Schedule now available
- Enhanced Gold Loan interest repayment experience
- Upgraded Account Security

### 4.6.0 — 2026-02-11

Bug fixes
Improved Gold loan Top Up features

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## More apps by Muthoot Finance Limited

- [Gold Loan at Home](https://appshunter.io/ios/app/gold-loan-at-home/id1527737940)
- [Muthoot HRMS](https://appshunter.io/ios/app/muthoot-hrms/id1539377568)
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All apps by Muthoot Finance Limited: https://appshunter.io/developer/1171002094

## Related topics

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*