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Muthoot Capital - Fixed Deposit Rates

CRISIL: A+/Stable

This institution last updated its deposit rates on 07-Feb-26.

DICGC Insurance: NIL
FD Rank: #1 of 66 banks
TENUREGeneralSenior
12 Months
7.90%
8.15%
24 Months
8.65%
8.90%
36 Months
8.95%Best
9.20%Best
48 Months
8.75%
9.00%
5 Years
8.50%
8.75%
•For callable FDs < ₹3 Cr•Premature withdrawal penalty applies

Compare with other banks

Top NBFC Rate
M

Muthoot Cap

8.95%36 months
Check all NBFCs
Top Public Bank Rate
P

Punjab & Sind

6.85%666 days
Check all public banks
Top Private Bank Rate
D

DCB

7.50%24 - 25 months
Check all private banks
Top SFB Rate
U

Utkarsh

8.10%666 days
Check all SFBs
Top Foreign Bank Rate
D

Deutsche

7.00%1 - 1.5 years
Check all Foreign banks
Top Post Office Rate
P

Post Office

7.50%5 Years
Check Post Office

Bank Overview

Type
NBFC
Headquarters
Kochi
Founded
1994
Branches
–
DICGC Coverage
Not Covered

Credit Ratings

CRISILA+/Stable
CAREUnrated
ICRAUnrated
India RatingsUnrated

Frequently Asked Questions

As of July 2026, Muthoot Capital offers a highest interest rate of 8.95% p.a. for general citizens and 9.20% p.a. for senior citizens on fixed deposits.

Muthoot Capital is a Non-Banking Financial Company (NBFC). NBFC deposits are generally rated by credit agencies but are NOT covered by DICGC insurance. Always check the credit rating before investing.

The minimum tenure for a fixed deposit with Muthoot Capital starts from 12 Months. Longer tenures may offer higher interest rates.

Yes, Muthoot Capital offers an additional benefit of up to 0.25% p.a. over the general citizen rate for senior citizens (aged 60 and above).

Yes, interest earned on fixed deposits is taxable as per your income tax slab. TDS is deducted at 10% if total interest exceeds ₹40,000 per year (₹50,000 for senior citizens). You can submit Form 15G/15H to avoid TDS if your total income is below the taxable limit.

Yes, Muthoot Capital currently offers special FD rates on select tenures that are higher than the regular rates. These are typically limited-period offers and subject to change.