Muthoot Capital FD Interest Rates 2025

Explore Guaranteed Return Plans

Guaranteed return plans offer assured returns and the security of life insurance coverage. These plans are an excellent option for risk-averse investors, as they are not affected by market fluctuations.

What is a Muthoot Capital Fixed Deposit?

A Muthoot Capital FD is a term-deposit scheme offered by the non-banking financial company (NBFC), where you deposit a lump sum for a fixed tenure (1–5 years) and receive guaranteed FD interest rates at a predetermined rate. You can choose either a cumulative plan or a non-cumulative plan, which means you can choose to receive the interest payout at maturity (cumulative) or on a monthly/annual basis respectively (non-cumulative). You can get up to 75% of your FD amount as a loan at just 2% above the FD contracted rate.

Comparing FDs with Other Options

While fixed deposits ensure guaranteed interest income, interest rates are lower when compared with other investment options. For example, some guaranteed return plans offer higher returns along with the added security of insurance.

Muthoot Capital FD Rates 2025 – Highlights

Latest Muthoot Capital FD Rates 2025

Here are the Muthoot Capital FD rates for deposits below ₹3 Crore.

Monthly Interest Plan ( below ₹3 Crore; non-cumulative)

Muthoot Capital FD interest rates as of November 2025

Annual Interest Plan

Muthoot Capital FD interest rates as of November 2025

Maturity Plan (below ₹3 Crore; annual cumulative)

Muthoot Capital FD interest rates as of November 2025

Types of Muthoot Capital FD Schemes

The types of Muthoot Capital FD schemes offered by Muthoot Capital are: 

1. Regular / Cumulative Fixed Deposit (Maturity Plan)

   Long-term wealth accumulation; interest compounded and paid at maturity.

   • Tenure: 1–5 years
   • Interest Payout: At maturity (compounded annually)

2. Non-Cumulative / Monthly Interest Deposit Plan

   For those needing regular cash flow (monthly interest payouts).

   • Tenure: 1–5 years (available)
   • Interest Payment: Monthly interest credited to account/fund transfer
   • Flexibility: Useful for retirees or regular-income seekers; principal remains locked until maturity

3. Annual Interest Plan (Non-Monthly)

   Periodic interest payout without monthly withdrawals.

   • Tenure: 1–5 years (as per deposit slab)
   • Interest Payment: Once a year on anniversary date or per plan terms
   • Stability: Regular payment but less frequent than monthly plan; principal intact

How to Open a Muthoot Capital Fixed Deposit Account

Here how you can open a Muthoot Capital FD Account: 

For New Customers:

Step 1: Visit a Muthoot Capital Services branch or authorised branch offering deposit services.

Step 2: Complete KYC by providing identity proof, address proof, PAN, photo, and relevant forms.

Step 3: Fill in the FD application form and choose the deposit amount, tenure, plan type (cumulative / non-cumulative), interest payout frequency, nominee details, etc.

Step 4: Submit deposit amount via cheque, cash, or bank transfer.

Step 5: Receive the Fixed Deposit Receipt (or equivalent contract) from Muthoot Capital, detailing deposit terms, interest rate, payout mode, and maturity date.

For Existing Customers:

Step 1: Login / connect via Muthoot’s customer portal or visit the branch directly.

Step 2: Choose “Open FD / Term Deposit.”

Step 3: Select deposit amount, tenure, FD scheme (maturity / monthly / annual), payout instructions, and nomination details.

Step 4: Transfer funds from a bank / savings account or deposit cash/cheque.

Confirm booking and obtain FD receipt / contract.

Eligibility Criteria for Opening a Muthoot Capital FD Account

The eligible persons, or entities to apply for Muthoot Capital FD are: 

• Resident Indian individuals (adults, or minors via guardian)
• Hindu Undivided Families (HUFs)
• Trusts (subject to NBFC’s internal policy)

Documents Required to Open a Muthoot Capital FD Account

The documents required to open Muthoot Capital FD are:

• Proof of Identity (Aadhaar, Passport, Voter ID, etc.)
• Proof of Address (Utility bill, Passport, Driving Licence, etc.)
• PAN Card (for tax and KYC compliance)
• Recent passport-size photograph
• Nominee details (if nomination selected)
• Guardianship documents (if depositor is a minor)

Benefits of Muthoot Capital Fixed Deposits

The benefits offered by Muthoot Capital FD are: 

• High Interest Rates: Offers competitive interest; up to 9.35% p.a. for senior citizens, better than many regular bank FDs.
• Flexibility of Payout: Choice between cumulative (maturity), monthly, or annual interest plans depending on your cash-flow needs.
• Relatively Short to Mid-Term Tenures: FD tenures from 1 to 5 years allow flexible investment options.
• Attractive for Those Without Bank Needs: Since Muthoot is NBFC, depositors can invest without needing a savings account at the same institution.
• Credit-Rated NBFC: With a rating of A+/Stable from a recognized agency (CRISIL), the NBFC’s financial stability adds extra confidence for depositors.

Conclusion

Muthoot Capital FDs stand out in 2025 as a solid fixed-income investment plan, especially for investors seeking higher-than-bank rates without taking excessive risk. With interest rates ranging between 7.65% to 9.35% p.a., flexible payout schemes, and tenures from 1 to 5 years, these FDs offer both growth and income potential. For risk-averse investors focusing on returns over volatility, Muthoot Capital Fixed Deposits present a promising alternative, provided they are comfortable investing with an NBFC rather than a traditional bank.