Muthoot Money
Muthoot Money Limited is an India-focused NBFC subsidiary of Muthoot Group that provides two-wheeler, new and used car, gold, and construction equipment loans to salaried and self-employed retail and SMB borrowers across South India and select western states, distributed through branches and an online application portal.
- Company typePrivate
- Founded1939
- HeadquartersHyderabad, India
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Muthoot Money does
Muthoot Money Limited is an Indian non-banking financial company and wholly-owned subsidiary of the Muthoot Group, focused on vehicle and asset financing for retail and small-business borrowers. The company is headquartered in Hyderabad (Telangana) with its registered office in Ernakulam (Kerala) and operates 101-250 employees across at least seven Indian states/UTs, including Telangana, Andhra Pradesh, Karnataka, Tamil Nadu, Pondicherry, Goa, and Maharashtra. Its core product set comprises two-wheeler loans, new and used car loans, gold loans, and construction equipment / commercial vehicle loans, with interest rates starting at 13.9% per annum on two-wheelers and up to 95% on-road funding on vehicles.
The business model is a unit-based interest-yield model: Muthoot Money earns recurring interest income on collateralized vehicle and gold loans, with each loan underwritten against the underlying asset. Pricing is quote-driven and varies by product, customer profile, salary or business income, and tenure, with minimum net annual salary thresholds of Rs 96,000 for two-wheelers and Rs 2,40,000 for four-wheelers. Go-to-market is branch-based direct sales supported by relationship managers handling end-to-end processing, supplemented by an online application portal that runs a 30-second eligibility check and offers 24-hour approval, with disbursement typically within three days for used-car loans. Repayments are collected via NACH, online payment, BBPS, virtual UPI, and cheques.
No proprietary technology, AI/ML capability, mobile application, or third-party integration was disclosed in the available data; the technology stack appears to be standard NBFC core systems wrapped around a website and branch workflow. The company is closely operationally linked to its parent Muthoot Finance Limited, India's largest gold loan NBFC, which in December 2025 infused approximately INR 500 crore (Rs 4,999,987,542) to support balance-sheet growth. The subsidiary self-positions as 'No. 1 in Telangana & Andhra Pradesh' for vehicle financing and competes primarily on speed of disbursement, high loan-to-value ratios, and the strength of the inherited Muthoot brand.
Muthoot Money firmographics
Firmographics- Name
- Muthoot Money
- Legal name
- Muthoot Money Limited
- Website
- https://muthootmoney.in
- Company type
- Private
- Founded year
- 1939
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Muthoot Money Limited is an India-focused NBFC subsidiary of Muthoot Group that provides two-wheeler, new and used car, gold, and construction equipment loans to salaried and self-employed retail and SMB borrowers across South India and select western states, distributed through branches and an online application portal.
- Ownership category
- akta.pro rank
Muthoot Money industry classification
Industry- Product category
- Vehicle Financing
- NAICS
- Nondepository Credit Intermediation (5222), Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Motorcycle & Powersports Finance (FSAKADAG)
Keywords
Where Muthoot Money is headquartered
LocationHeadquarters
- HQ city
- Hyderabad
- HQ country
- India
- HQ region
- Asia
Offices7 records
Markets served
Muthoot Money business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Vehicle Loan Interest Income: Interest earned from vehicle loans including two-wheeler loans, new car loans, and used car loans. Loans are disbursed against collateral of the vehicle being purchased.
- Gold Loan Interest Income: Interest income from gold loans disbursed against gold collateral, leveraging parent company Muthoot Finance's expertise in gold loan business.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Two Wheeler Loans at 13.9% p.a. |
| Unit Pricing | Monthly | Four Wheeler Loans - 95% funding on ex-showroom value |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Muthoot Money product offering
Product offeringCore offering
Muthoot Money is a South India-focused NBFC that finances the retail purchase of two-wheelers, new cars, and used cars for individual and small-business borrowers, and additionally disburses gold-backed loans. Loans are originated through online applications and an extensive branch network, with relationship managers guiding customers from eligibility check to disbursement, and pricing set on a per-customer basis with rates starting at 13.9% p.a.
Product overview
Muthoot Money is a vehicle and asset financing company offering a focused portfolio of loan products. The company operates as a subsidiary of Muthoot Group and provides four core lending products: Two Wheeler Loans for purchasing motorcycles and scooters, New Car Loans and Used Car Loans for vehicle purchases, and Gold Loans leveraging the Muthoot Group's gold loan expertise. The product suite targets customers in Telangana, Andhra Pradesh, Karnataka, and Tamil Nadu, offering financing solutions with features like up to 95% funding, quick disbursement, and various eligibility criteria for salaried, self-employed, and property/agri-based applicants.
Differentiator
Problem solved
Functional benefit
Products and services
- Two Wheeler Loans Loan product for financing the purchase of motorcycles and scooters, offering up to 95% on-road funding, a maximum 36-month tenure, interest starting at 13.9% p.a., and a minimum annual salary requirement of Rs. 96,000 for salaried applicants. Targets salaried and self-employed individuals in South India.
- New Car Loans Loan product for purchasing new cars, providing up to 95% funding on ex-showroom or market value with maximum 60-month tenure. Targets individuals with minimum net annual salary of Rs. 2,40,000 (for approved car models) seeking to own a new vehicle.
- Used Car Loans Loan product for purchasing pre-owned or second-hand cars, providing flexible financing solutions for customers looking to buy used vehicles.
- Gold Loans Collateral-based loan product that allows customers to pledge gold jewellery to obtain short-tenure liquidity, leveraging the Muthoot Group's gold loan expertise. Part of the group's broader gold loan portfolio.
Quantifiable outcome
- Loan disbursement within 3 days for used car loans
- +2 more outcomes
Companies that use Muthoot Money
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Muthoot Money technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Muthoot Money partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights5 records
Muthoot Money competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights6 records
Customer concentration
Muthoot Money social profiles
Digital presenceMuthoot Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
Muthoot Money leadership team
Management profileNumber of profiles
Profiles1 record
Muthoot Money funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Muthoot Money M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Muthoot Money
What does Muthoot Money do?
Muthoot Money is a South India-focused NBFC that finances the retail purchase of two-wheelers, new cars, and used cars for individual and small-business borrowers, and additionally disburses gold-backed loans. Loans are originated through online applications and an extensive branch network, with relationship managers guiding customers from eligibility check to disbursement, and pricing set on a per-customer basis with rates starting at 13.9% p.a.
Is Muthoot Money a public or private company?
Muthoot Money is a private company. It is classified as corporate owned and is currently operating.
When was Muthoot Money founded?
Muthoot Money was founded in 1939. It employs 101 to 250 people.
Where is Muthoot Money based?
Muthoot Money is headquartered in Hyderabad, India, in the Asia region.
How does Muthoot Money make money?
Two revenue lines are on record. Vehicle Loan Interest Income is the primary driver. The others are gold Loan Interest Income.
Does Muthoot Money have an API?
No public API is recorded for Muthoot Money.
What industry is Muthoot Money in?
Muthoot Money's product category is Vehicle Financing. Its primary akta.pro industry code is FSAKADAG, Motorcycle & Powersports Finance. Its NAICS code is 5222 and its SIC code is 6141.