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Muthoot Capital FD Interest Rates (p.a.) Highlights |
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| Highest slab rate | 8.95% (for 3 years) |
| For 1 year | 7.90% |
| For 2 years | 8.65% |
| For 3 years | 8.95% |
| For 4 years | 8.75% |
| For 5 years | 8.50% |
| Tax-Saving FD | – |
The interest rates are updated as of 16 July 2025
Credit Rating of Muthoot Capital
| Credit Rating Agency | Rating | Outlook |
| CRISIL | A+ | Stable |
Muthoot Capital FD Interest Rates
Fixed Deposit Interest Rates on Domestic deposits
1. Cumulative Deposits (Maturity Plan) (Annual)
| Period | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 1 year | 7.90 | 8.15 |
| 2 years | 8.65 | 8.90 |
| 3 years | 8.95 | 9.20 |
| 4 years | 8.75 | 9.00 |
| 5 years | 8.50 | 8.75 |
2. Non-Cumulative Deposits (Monthly Interest Plan)
| Period/Term of Deposit | Interest Rates (% p.a.) | |
| For Regular Citizens | For Senior Citizens | |
| 1 year | 7.65 | 7.90 |
| 2 years | 8.00 | 8.25 |
| 3 years | 8.50 | 8.75 |
| 4 years | 8.60 | 8.55 |
| 5 years | 8.50 | 8.75 |
3. Non–Cumulative Deposits (Annual Interest Plan)
| Period | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 1 year | 7.90 | 8.15 |
| 2 years | 8.70 | 8.95 |
| 3 years | 9.10 | 9.35 |
| 4 years | 8.90 | 9.15 |
| 5 years | 8.90 | 9.15 |
Types of Muthoot Capital Fixed Deposit Schemes
- Scheme A: Non- Cumulative Deposits-Monthly Interest Plan wherein the interest amount is paid monthly
- Scheme B: Non-Cumulative Deposits-Annual Interest Plan wherein interest is paid on an annual basis
- Scheme C: Cumulative Maturity Plan wherein interest is compounded annually and is paid on maturity along with the principal amount
Features of Muthoot Capital FD Schemes
- Minimum deposit amount: Rs. 1,000
- Tenure: 1 year – 5 years
- Renewal facility is available on maturity date
- Loan against FD: Available
- Can be held jointly (max. 3 applicants)
Loan against Fixed Deposit
- Loan against FD is available if the deposit account is active for a minimum of 3 months from the date of opening FD
- Depositors can avail loan against 75% of the deposit amount
- Depositors availing of the loan need to pay a 2% higher interest rate than the applicable interest rate on FD
- Granting of loan is at the sole discretion of the Muthoot Capital
Premature Withdrawal of Fixed Deposits
Premature withdrawal of fixed deposits is not allowed in the first 3 months from the date of the acceptance, except in case of death of the depositor. The interest payment on premature closure would be as follows:
- Premature payment after 3 months but before 6 months: No interest will be paid. In case the interest has already been credited, it will be recovered from the principal amount before making the final settlement
- Premature payment after 6 months but before the date of maturity:
- The interest will be paid at 2% lower than the interest rate applicable for the duration for which the deposit has run
- In case, no interest rate was specified, interest will be paid at 3% lower than the minimum rate at which deposits are accepted
- If excess interest is paid, then it will be recovered from the principal amount before making the final settlement
Want to know about other fixed deposit schemes too? Check the link: Corporate/Company Fixed Deposits