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Muthoot Capital FD Interest Rates

Home Fixed Deposit Muthoot Capital FD Interest Rates

Muthoot Capital offers FD interest rates of 7.90%-8.95% p.a. to the general public and 8.15%-9.20% to the senior citizen depositors on tenures ranging from 1 year to 5 years. This NBFC has been accredited with a credit rating of of A+/Stable by CRISIL. As per CRISIL, 'A' credit rating indicates adequate safety regarding timely payment of interest and principal is satisfactory.

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Updated: 12-09-2025 11:06:56 AM

Muthoot Capital FD Interest Rates (p.a.) Highlights
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 12 September 2025

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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

 

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