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Ananya Shrivastava
Ananya Shrivastava is a Content Writer at LoansJagat, specialising in finance-focused news, blogs, and long-form articles on Indian markets, RBI policy, personal finance, and lending. She has authored over 450 blogs and 250 news pieces, combining technical knowledge with rigorous research to simplify complex financial concepts into clear, engaging content. With a marketing-driven lens and sharp editorial judgment, she consistently achieves top Google rankings while ensuring every claim is backed by verified data.
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South India customers should dial 99469 01212, while everyone else calls 011-46697754 first and moves to 011 46697744 if that doesn't resolve things. Both numbers are listed on Muthoot Finance's Customer Service page.
Most people calling Muthoot Finance want one of three things fixed: a gold valuation dispute, a personal loan EMI question, or a complaint that's gone nowhere for weeks. Two support hubs handle it: Kochi for the south, Delhi for everywhere else, and the split matters more than you'd think because calling the wrong one just adds a transfer to your wait time.
TRA's Brand Trust Report 2024 has named the company India's No. 1 Most Trusted Financial Services Brand for the 8th consecutive year, and the business has grown into one of the country's larger gold loan NBFCs off the back of that reputation. None of that trust ranking helps much when you're stuck on hold at 11 AM, though. What actually helps is knowing which number to dial before you pick up the phone, and that's really what this guide is here to sort out.
Also Read: What is the IPPB Customer Care Number?
South India gets 99469 01212, a chargeable number at regular telecom rates. The rest of the country starts at 011-46697754 and moves to 011 46697744 only if the first call doesn't resolve anything.
All four channels are listed together on the Customer Service page. If your query is simple, like checking a branch's working hours, WhatsApp usually gets you an answer faster than waiting on a call.
The phone lines aren't available round the clock, since they run during regular business hours, and calling outside that window just gets you a recorded message.
None of these three digital options connect you to an actual person, but they'll register a query at any hour, which matters if something urgent comes up at 2 AM and the phone lines are hours from opening. For anything that can wait till morning, calling directly is still the faster route.
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1800 121 1214 handles home loan queries, and it's kept entirely separate from the gold loan numbers listed above. It's also the one fully toll-free line on this page.
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This number covers disbursal status, EMI schedule questions, and paperwork that seems to have gone missing somewhere in processing. Anything that doesn't fit neatly into a phone call can go through the General Queries page instead, which works better for issues that need documents attached. Home loan borrowers should treat this as their one number to remember, separate from everything else in this guide.
Personal loan questions go to 1800 203 9039, while business loan borrowers use a completely different line, and mixing the two up usually just means an extra transfer.
Calling the gold loan number for any of these will likely still get you routed correctly eventually, but it takes longer than dialing the right desk from the start. It helps to know which loan product you're calling about before you even pick up the phone.
Also Read: Indian Overseas Bank Customer Care Number
The process runs in tiers, and skipping ahead to a later stage rarely speeds anything up.
Every step in this chain asks for your CIF number, a 15-digit code printed directly on your gold loan pledge document, so it helps to have that handy from the very first call.
South India customers should go with 99469 01212, while everyone else starts at 011-46697754, and home loan borrowers should keep 1800 121 1214 separate from the rest of these numbers entirely. None of this information comes from a third-party directory, since it's all pulled directly off Muthoot Finance's own website, which is really the only version worth trusting before you actually dial in.
99469 01212 is the number to dial, and it runs at standard call rates rather than being toll-free.
Dial 011-46697754. If you don't get your matter sorted out by that number, then you may try 011 46697744.
The phone lines aren't, since those close at night, but the app and the website chatbot stay available around the clock.
Yes, home loan borrowers should call 1800 121 1214, which happens to be toll-free, unlike most of the other numbers here.
Call 1800 203 9039 for personal loan issues, while business loan complaints get routed through 0484-480 4085 instead.
First, escalate to the Grievance Redressal Cell, and in case you don’t get your matter sorted out there, then escalate to the Principal Nodal Officer.
In almost every case, yes. This 15-digit code can be obtained from your parent branch or the call center after a few verification questions, and gold loan customers will also find it printed on their signed pledge document.
You can, and WhatsApp handles shorter queries well enough at +91-7558077666.
That's exactly when the RBI Integrated Ombudsman Scheme becomes the right avenue to pursue.
It must be sent to the address of Muthoot Finance Ltd., NH Bypass, Palarivattom, Kochi, Kerala 682028, India.
