# iMuthoot Muthoot Finance Loans — user reviews > 69 indexed App Store user reviews of iMuthoot Muthoot Finance Loans by Muthoot Finance Limited, rated 4.50/5 from 151 ratings. - Source: https://appshunter.io/ios/app/imuthoot-muthoot-finance-loans/id1171002095/reviews - App overview in markdown: https://appshunter.io/ios/app/imuthoot-muthoot-finance-loans/id1171002095.md - Rating breakdown: 5★ 117 · 4★ 13 · 3★ 8 · 2★ 2 · 1★ 11 ## Newest reviews (15 of 69) ### 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. ### 2/5 — Invalid errors *2025-09-29, version 4.4.0* My number is already registered with them. But still i keep getting the message that number is not registered with us. I don’t know why these useless bugs keep popping up all the time. ### 3/5 — Yes this App takes longer *2025-09-26, version 4.4.0* Earlier version was even better kindly revert the changes taking too long and shows up the error messages while requesting top up Eating so much time ### 1/5 — Payment Failure *2025-09-26* I tried to pay my gold loan and money got withdrawn from my bank account, when i asked this about this in your branch they said like its the problem from our side very rudely. All that i got response from the muthoot is that payment failed and money will be returned in 7 days. so do i need to wait for 7 days to get my gold back. Suggestion: please hire a performance tester and a good server. your app is always showing loading and takes forever to load. **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. ### 1/5 — Worst service ever *2025-06-28* I had a very disappointing experience at the Muthoot Finance Ramesh Nagar branch. I visited to close my gold loan account, but the staff member, Megha ma’am, refused to process the closure. She gave an unconvincing excuse, saying that "the system doesn't allow loan closures during the last week of the month." It felt like I was being misled, as this reason made no sense and was not mentioned anywhere in their policies. Instead of helping or offering a proper explanation, her attitude was dismissive and unprofessional. This kind of behavior is unacceptable, especially when dealing with customers' hard-earned assets. I sincerely hope the management looks into this matter and ensures better training and transparency in their services. **Developer response:** We regret the inconvenience you had to face. For better assistance please share your information with mails@muthootgroup.com We will be happy to assist you. ### 4/5 — App shows too much exception *2025-06-07* no matter what i choose it shows exception and the payment is not happening on the app as it shows wordline and it never works. I don’t understand why do we have to download the app if we cannot make the transaction on it. **Developer response:** Hi, we request you to please send us an email with the details of the issue you are facing at cc.imuthoot@muthootgroup.com . It will help us assist you better. Thank you! ### 1/5 — Muthoot app Fraud app *2025-05-05, version 4.2.1* Muthoot app is one of the fraud app . I did payment of 50,000 4 days ago and they deducted money from my account but did nit show in the app. Whenever i visit to the branch they always tell that they have sent an email to their seniors but still I didn’t got my money . Tomorrow i will file FIR against imuthoot app in case of fraud and harassment. ### 1/5 — Worst experience *2025-04-03* I am writing to formally express my deep dissatisfaction with the way my recent loan application has been handled by your company. The entire process has been frustrating and disappointing due to a lack of transparency and undue delays. Timeline of Events: • March 16th: Submitted my loan application. • March 20th: Received confirmation of loan approval. • Subsequent Actions: Sent a canceled cheque to your Nehru Place office, received an email with loan confirmation and EMI details, and completed the bank auto-debit mandate as required. Despite fulfilling all necessary requirements, I was informed—after an unreasonable delay of 14 days—that my loan application was under review due to concerns about my company’s total employee count. This reasoning is not only perplexing but also unfounded for the following reasons: 1. CMMI Level 3 Certification: My company holds a CMMI Level 3 certification, which signifies a high level of process maturity and typically requires a substantial workforce. Questioning the employee count contradicts the rigorous standards set by the CMMI Institute. 2. Remote Work Dynamics: As an IT organization, we have embraced flexible work arrangements post-COVID-19, with many employees working remotely. A field executive’s observation of fewer employees on-site does not accurately reflect our actual workforce size. Additionally, I was asked to pay an advance EMI for a smaller loan, which I complied with in good faith. However, rejecting my primary loan application after 20 days—solely based on an arbitrary employee count assessment—is both unfair and a serious lapse in customer service. I request an immediate reassessment of my application, considering the facts presented. Such treatment not only erodes customer trust but also raises concerns about the company’s commitment to fair and transparent dealings. I expect a prompt and just resolution to this matter. **Developer response:** Hi, we request you to please send us an email with the details of the issue you are facing at mails@muthootgroup.com . It will help us assist you better. Thank you! ### 4/5 — Not showing how much balance is left *2025-01-29, version 4.1.0* After submitting such amount it doesn’t show how much balance is left. Older version shows proper details. ### 3/5 — App sometimes not supportive worst service..😣 *2025-01-09, version 4.0.0* App sometimes not supportive when we have actual due date and later scheme will change and interest rate will get change because of this app..worst service..😣 ### 2/5 — Only allows to repay the interest. *2025-01-06, version 4.0.0* Was working great until a couple of months back. Would not allow to pay the amount I would want instead kept directing me to pay only the interest. A little annoyed now. Have to visit the branch now. ## Most critical reviews (10 lowest-rated) ### 1/5 — Payment issues *2026-09-15* The Muthoot Finance app has a very poor payment service. Earlier, the payment process was simple and easy, but now I am facing a lot of problems. I have been trying to make a payment for a long time, but the debit card option keeps showing a “Technical Error.” Net banking is also not working properly. It is very frustrating and disappointing. The payment process should be easy, but this app is making it unnecessarily difficult. ### 1/5 — Unable to open app and web url also not working *2026-08-23* Am in us and unable to pay on portal and on app.informing the muthoot team on branch is also useless ### 1/5 — not able to login since new update *2026-08-23* since the last update, due to new sim binding process, I am not able to login ### 1/5 — Gold loan due emi no record from 3months *2026-08-20* My payment due date was 11 August, and I have the money ready to make the payment. Unfortunately, there is no payment link, no loan record in the app, and no way to pay online. The contact numbers printed on the loan slip are often unreachable, and your customer care helpline keeps ringing without anyone answering. To make matters worse, GoodScore is showing my loan as “Paid”, even though it has not been repaid. This incorrect information may negatively affect my CIBIL score and credit history, even though the problem is entirely due to Muthoot Finance’s system and customer support. This is completely unacceptable from one of India’s largest gold loan companies. Customers should not have to struggle just to access their own loan information or make repayments on time. I request Muthoot Finance to immediately update my account ### 1/5 — Who Approved This Release? 🤔 *2026-07-29* I’m convinced the Imuthoot app is running on pure vibes instead of QA. 💀 The app crashes every other day. At this point, I’m spending more time reopening the app than actually using it. And the best part? You can’t even take screenshots to report the bugs. Peak “trust me bro” security. Even banking apps let users capture issues for support. Now it’s showing “Unsecured Wi-Fi” while I’m connected to my own home Wi-Fi. Fine, maybe it’s being extra cautious. But then it shows the same warning on mobile data too. So apparently every network on Earth is insecure except the app’s imagination. Please focus on fixing the basics before adding more security pop-ups. An app that crashes repeatedly but keeps throwing random security warnings feels like locking the front door while the roof is on fire. At this point, I’m genuinely curious what kind of release process the tech team is following, because every update seems to unlock a brand-new achievement in bug discovery. 💀 ### 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.” ## Most praised reviews (10 highest-rated) ### 5/5 — Good *2025-10-02, version 4.4.0* Good ### 5/5 — App crash *2025-06-11, version 4.3.0* Application crashes while open ### 5/5 — Worst ever service *2025-02-10, version 4.1.0* Wants cash payment to redeem jewel when their lousy app does not work. No option to scan and do an UPI payment. Growup and employ better process and staff. ### 5/5 — Part payment option Removed! Without any reason *2024-12-10, version 4.0.0* What is the point of removing part payment option? You have ruined your system ### 5/5 — Regarding part payment *2024-12-01* Part payment option is not available now on app which is making problem to pay. Please resolve this issue so that we can pay part payment without any problem **Developer response:** Hi, please send a detailed description of the problem to mails@muthootgroup.com along with the contact details We will definitely provide you with a solution soon ### 5/5 — Update problem in IOS *2023-10-08, version 3.7.1* Every time app is asking to update but while checking there is no update for IPhone. I am using IOS latest version. Thanks ### 5/5 — Update issue *2023-10-07, version 3.7.1* App is asking for update but when I go to App Store option is not coming for update ### 5/5 — A R DESAI *2023-06-05, version 3.6* Very good app for online users and very good service from muthoot finance.. some needs of improvement in online transactions limits in per day up to 10 lacs.. it’s very helpful to repayments for online transactions.. ### 5/5 — Average app *2023-05-06, version 3.5.3* Very slow. Most of the time app doesn’t work .whenever there is emergency wil pledge jewels and avail cash but in emergency only we get error in the app . Again need to call branch and they will do it from their end . ### 5/5 — The app crashes *2020-10-06* Every time i try to open it the app just crashes. It does not even open. Maybe it is a problem with just my phone model(xs max) but please look into it. I have to call and enquire everytime about my loan date and everything and it is hard to track without the app. The app is good. Please look into it. --- *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 2026-09-17.*