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Personal Loan Overview

MCSL customised personal loans are designed around your capital requirements with a hassle-free application process. The funds can be used to fulfill capital requirements for domestic or international vacations, weddings, buying the latest gadget, pursuing higher education, purchasing a vehicle or even home renovation.
MCSL's personal loan comes with attractive, affordable, and lowest interest rates to help you raise funds instantly. When you apply to get an instant personal loan, it is processed in less than 5 minutes with limited documentation. Personal loan EMIs are flexible and allow for better liquidity and easy achievement of set personal goals.
Apply for a personal loan online today with MCSL and fulfil your dreams!
Personal Loans Ranging From
INR 25,000 to INR 1,00,000
Rate of Interest
18% - 24% per annum (reducing balance interest rate)
12 Months
Documents Required
PAN, Address Proof (aadhaar / driving license) & Salary Bank Statements
Processing Fee
Other Charges
Pre Closure charges, insurance charges etc.

For Example

Loan Amount
₹ 25,000
Interest Charged
(18% per annum reducing balance)
Loan Tenure
12 months
Interest Charged
₹ (18% per annum reducing balance)
Processing Fee
738 (2.5% of Loan Amount- 625 + GST @18%= 113)
Amount Disturbed
₹ 24,262
EMI Amount
₹ 2,292
Disbursal Amount and Repayment Amount
Loan amount is ₹ 25,000.
Disbursed amount is ₹ 24,262.
Total loan repayment amount is
₹ 27,504.
*The annual interest rates and processing fee will vary as per the risk profile of the customers.
*Rounding off is done for ease in calculation
Grievance redressal mechanism
Customers who wish to provide feedback or send in their complaint may use the following channels between 09:00 am and 6:00 pm, on Monday to Saturday (except on national holidays).

Internal Machinery to handle the customer complaints.
1800 102 1616 (Toll free)
Write to us
Muthoot Capital Services Limited, 3rd Floor, Muthoot Towers, MG Road, Kochi - 682 035
In case the complaint is not resolved within the given time or if he/she is not satisfied with the solution provided by MCSL, the customer can approach the Grievance Officer:
Mr. Vijayan T
*Contact between 09.00 am to 6.00 pm (Monday to Saturday except on National Holidays)
*Contact between 09.00 am to 6.00 pm (Monday to Saturday except on National Holidays)

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