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Muthoot Capital Services Ltd Interest Rates & Calculators

Complete guide to Muthoot Capital Services Ltd interest rates for FD, RD, and loans, plus top credit card comparison. Use our calculators to plan investments better.

Best FD Rate
9.2% p.a.

Muthoot Capital Services Ltd FD Rates Overview

Muthoot Capital Services Ltd currently offers fixed deposit interest rates of up to 8.95% p.a. for the general public, and 9.2% for senior citizens. The full slab-wise Muthoot Finance rate table is below — use the FD and RD calculators to compute your exact maturity amount.

Muthoot Finance Financial Calculators

Latest Muthoot Finance Interest Rates

Verified rate tables updated as banks revise deposit & loan terms.

Muthoot Capital Services Ltd Fixed Deposit Rates

FD Calculator

Latest Muthoot Capital Services Ltd Fixed Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type / TenureGeneral RateSenior Citizen Rate
12 Months
7.9%8.15%
24 Months
8.65%8.9%
36 MonthsHighest Yield
8.95%9.2%
48 Months
8.75%9%
60 Months
8.5%8.75%

Muthoot Capital Services Ltd Recurring Deposit Rates

RD Calculator

Latest Muthoot Capital Services Ltd Recurring Deposit interest rates for all tenures. Compare general and senior citizen rates.

Type / TenureGeneral RateSenior Citizen Rate
12 Months
7.9%8.15%
24 Months
8.65%8.9%
36 MonthsHighest Yield
8.95%9.2%
48 Months
8.75%9%
60 Months
8.5%8.75%

Muthoot Capital Services Ltd Loan Rates

Muthoot Capital Services Ltd Loan Interest Rates Rates

Current Muthoot Capital Services Ltd loan interest rates and processing fees for different loan types.

Type / TenureMin RateMax RateProcessing Fee
Personal Loan
13.5%13.5%1-2% of loan amount + GST
Car Loan
9.5%14%0.5% of loan amount + GST
Business Loan
12%20%1% of loan amount + GST
Two Wheeler Loan
12.5%18%₹1,000-₹1,500 + GST
Gold LoanHighest Yield
9%9%Security charges 0.20% of loan amount (min Rs. 150, max Rs. 1,000, rest of India)

Why Choose Muthoot Capital Services Ltd?

Key benefits and features of banking with Muthoot Capital Services Ltd.

Competitive Rates

Up to 9.2% returns on deposits with attractive rates across short & long tenures.

Bank Security

RBI regulated financial institution with DICGC insurance up to ₹5 Lakhs.

Digital Banking

Instant online FD/RD booking, mobile banking apps, and quick digital loans.

Customer Service

Extensive branch & ATM network across India with dedicated support.

Key Features & Perks

Best FD Rate: 9.2% for Senior Citizens
General Rate: 8.95% for all citizens
Min FD Amount: ₹1K only
Min RD Amount: ₹0 monthly
Personal Loan: From 13.5%
Senior Citizen Benefit: Additional 0.5% on all tenures
Premature Penalty: Only 1%
Tax Deduction: TDS applicable if interest exceeds ₹40,000 per annum
Online Banking Available
Loan Against FD: Up to 90%
NBFC with attractive interest rates up to 9.20% p.a. for senior citizens (Maturity Scheme)
Senior citizens get +0.25% additional interest on all schemes
Maturity Scheme (Cumulative Deposits) with annualized yield up to 10.08%
Monthly Income Plan, Annual Scheme, and Maturity Scheme available
Flexible tenure from 12 to 60 months
Guaranteed returns
Easy documentation process
Minimum deposit: ₹1,000
Deposits accepted only in the state of Kerala
Rate of interest for deposits above ₹3 Crores may vary
Non-Resident Senior Citizens not eligible for additional 0.25% interest
Rates shown are the Maturity Scheme (Scheme C - Cumulative Deposits) table specifically, corrected 2026-08-10 - previously this dataset had been populated from the separate Scheme A (Non-Cumulative/Monthly Interest Plan) table by mistake, which carries lower rates (12mo 7.65%, 24mo 8.00%, 36mo 8.50%, 48mo 8.60%, 60mo 8.50%)
Interest rates last updated: Aug 2026
Verify on Muthoot Capital Services Ltd Official Website
Market Comparison

Compare Rates with Other Banks

Check latest fixed deposit interest rates across peer financial institutions before investing.

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.