Chapter 3

PRODUCT AND SERVICE

Express Gold Loan

Your Gold - The key to generate fast cash.
Let's make things easy! Sometimes, we all face situations when quick finance is
required, be it for your business, your child's education, a new home or an
emergency.
That's why we have financial offerings that have been designed to meet the
quick and easy need for liquidity. Our uncomplicated procedures ensure that
you receive the loan in the shortest time possible. This will help you get better
rates per gram of gold compared to other institutions; part redemption allowed;
part payment allowed.
Documents
Original proof of identification. Any of the following are acceptable:

Passport
Govt of India election ID card with address proof
PAN card with address proof
Driver's licence
Any Govt departmental ID card
We are bound by and follow KYC norms as per the regulator's guidelines.

EMI Gold Loan

Muthoot Fincorp introduces the EMI Gold Loan Scheme where you can repay
the loan in Equated Monthly Instalments. This product is a substitute for those who
avail personal loan/ consumer loan, and can be utilised for meeting immediate
requirements viz. Medical expenses, childrens education & other personal
expenses OR for Purchase of Consumer Goods like TV, Laptop etc. With a
minimum loan amount of Rs. 25,000 and easy repayment tenures (3, 6, 9, 12, 24
months), this gold scheme has been designed to suit your financial requirements.

Documents need
Original proof of identification. Any of the following are acceptable:
Passport
Govt of India election ID card with address proof
PAN card with address proof
Driver's license
Any Govt departmental ID card
We are bound by and follow KYC norms as per the regulator's guidelines.

Money Transfer
As Easy As Snapping Your Fingers
Muthoot Fincorp has partnered with Western Union Money Transfer, MoneyGram,
Xpress Money, EzRemit and Trans-Fast to offer you this special service. We can
help you to receive money the quick and reliable way. It's a safe way of inward
transfer of money instantly with minimum service charge.

Visit your nearest Muthoot Fincorp branch and meet your family's financial
requirement instantly. Only duly filled application form and id proof will be
required. Other features of this service includes: Inward remittance of money from
foreign countries; Fast service- transaction time is less than 10 minutes; Amount
payable at a time is equivalent of USD2,500/-. However, cash payment is allowed
only up to Rs.50,000/- (Higher amount will be paid by cheque only); Receive
money within minutes of transfer; Repeat customers do not need to produce ID
proof; No bank account required for sender or beneficiary; Issuance of loyalty
number is a unique facility offered by us which avoids submission of ID proof each
time.

Documents need
Original proof of identification. Any of the following are acceptable:
Passport

 Govt of India election ID card with address proof

PAN card with address proof
Driver's licence
Any departmental ID card

Foreign Exchange
Be equipped with the currency of the place you travel
Because you just don't want to be a spectator in that foreign land. Of course, you
would want to indulge yourself in the place wherever you are. At Muthoot Fincorp,
we offer you the best rates through our intimate knowledge of the wholesale and
retail financial markets.
We are an experienced team of advisors supported by the latest technology & are
abreast with the trends in the industry. Individual or corporate, a dedicated
customer service person is assigned to each customer. You can easily buy and sell
all major currencies with zero per cent commission (currently 25 destination
currencies available). We are bound by and follow KYC norms as per the
regulator's guidelines.

Documents need
Original proof of identification. Any of the following are acceptable:

 Passport
Govt of India election ID card with address proof
PAN card with address proof
Driver's licence
Any departmental ID card

Other Products
Today, financial needs are manifold and unpredictable. It's times like these when
you need solutions with minimum hassle. Muthoot Fincorp Ltd. (MFL) along with
its sister concerns bring you a host of solutions for some your financial dilemmas.

DEMAT account
Shares and Debentures are traditionally held in physical or paper form. This
method could lead to loss/theft of certificates, forged/fake certificates, cumbersome
and a time consuming procedure for transfer of Shares and Debentures. Therefore,
to eliminate these weaknesses, a new system called Depository System was
introduced in India after the enactment of the Depositories Act 1996.
A depository system is a system, which holds your Shares and Debentures in the
form of electronic accounts in the same way a bank holds your money in a savings
account.
Depository system provides the following advantages to an investor:
Your Shares and Debentures cannot be lost/stolen or mutilated.
You never need to doubt the genuineness of your Shares and Debentures i.e.,
whether they are forged or fake.
Share transactions like transfer; transmission etc. can be effected immediately.
Transaction costs are usually lower than that in the physical segment.

 There is no risk of bad delivery.

Bonus/rights Shares and Debentures allotted to you will be immediately
credited to your

account.

You will receive the statement of account of your transactions/holdings

periodically.
When you decide to have your Shares and Debentures in electronic form you
should approach a Depository Participant (DP) who is an agent of the depository to
open an account. You should surrender your share certificates in physical form and
your DP will arrange to get them sent to and verified by the company and on
confirmation credit your account with an equivalent number of Shares and
Debentures. This process is known as dematerialization. You can always reverse
this process if you so desire and get your Shares and Debentures reconverted into
paper form. This process is known as Rematerialisation.

Home Loans
Muthoot Housing Finance Company Ltd.
Muthoot Housing Finance Company Ltd (MHFL) is a subsidiary of Muthoot
Fincorp Ltd and is registered with the National Housing Bank . MHFL caters
mainly to the housing finance requirements of customers in the middle and lower
income category . The company offers housing loan to the people in the
unorganized sector to make their dream of owning a home come true. The loans
range from Rs. 3 lakhs to 15 lakhs with a loan repayment period of upto 15 years

and upto 80% of the property value. Loans are offered on a variety of property
types - from ready to move in flats to under-construction house / flats, to self
construction on owned plot and for home extension requirements.

Auto Loans
Muthoot Capital Services Ltd
Always dreamed of a swanky new car or a cool two-wheeler that'll make the ride
from home to work and back less tedious? Here's your chance to own the vehicle
of your dreams! Muthoot Capital Services Ltd., offers loans upto 90% of the onroad price of two wheelers and upto 80% for used cars on attractive interest rates
and easy EMI's. MCSL also offers three wheeler loans . To get more details, visit
any of the Muthoot Capital Services Ltd., branches across the country. You can
repay the loan in a time span flexible to you at any of the Muthoot Fincorp
branches.

Travel Services
Muthoot Fincorp brings you Travel Services through Muthoot Travel Online. We
offer you end-to-end solutions for your travel needs. These services help you
manage life on the move - everything from ticketing (Bus/Train/ Flight), visa
facilitation, cab services to hotel accommodations, travel insurance, custom built
holiday packages for individuals & families to group travel arrangements for
conferences, meetings, incentive tours and exhibitions. Our tailor made solutions

have been a repeat success for many large and small corporate houses as well as
retail customers. You can avail the service through any Muthoot Fincorp branch.

Jewellery Purchase
Muthoot Exim - Precious metals Division
Muthoot Exim - Precious Metals division specialises in the developing and
marketing of precious metal products and related services. Swarnavarsham
Jewellery is an effort in this direction. It allows customers to purchase affordable
yet hallmarked gold jewellery of low ticket sizes (2 to 8 grams) in tamper proof
packaging - a first of its kind in India & in easy instalments