Welcome to Parama Nidhi Ltd.

General Questions

It is easy to get a gold loan from us. Just walk into any of our branches, choose the loan best suited to your needs. Our representative will guide you through the process of availing a Muthoot Blue Gold Loan. Call us at +91 9883243100 for more details.
You need to provide gold jewellery or ornaments as a collateral to your Parama Nidhi LTD branch near you to get a gold loan from us. Contact our customer care representative at +91 9883243100 or through our online form to understand our gold loan process.
Loan is a way to finance the purchase of vehicles such as scooters, bikes, cars etc. Once the loan is taken to buy an automobile, the customer makes monthly payments to repay the same over the period chosen under the Loan scheme. The Loan terms depend on your income and credit history, among other factors.

To get an Loan, the following documents are needed:

  • A proof of identity: Any one of the following – passport, Aadhaar card, voters ID, diving license and PAN card.
  • An address proof: Any one of the following passport, Aadhaar card, voters ID, driving license, telephone bill, electricity bill, gas connection bill, ration card and LIC policy.
  • Income proof: Any one of the following, income tax return, form 16, pay slip, and salary credit in bank statement.
  • Asset proof: Latest land/building/house tax receipt.
  • A recent passport size photo.

About Loan

At Parama Nidhi LTD, the interest rates for Two Wheeler Loan start as low as 0.99%* per annum and 8.99%* per annum for used car loans. Visit any Parama Nidhi LTD branch or call us on +91 9883243100 for complete information. *Terms and conditions applicable.

To be eligible for a two-wheeler loan from Parama Nidhi LTD:

  • A salaried person should make an income of Rs 96,000 per annum
  • A self-employed person should make a net profit of Rs 1,20,000 per annum.

To be eligible for a used car loan from Parama Nidhi LTD:

  • A salaried person should make an income of Rs 15,000 per month
  • A self-employed person should make a net profit of Rs 1,50,000 per annum.
Loan from Parama Nidhi LTD can be prepaid at any time. You will only have to pay a nominal charge for this. There are no hidden charges involved when you opt for auto finance from Parama Nidhi LTD. Contact +91 9883243100 for details.

If you are looking to finance your automobile purchase make sure that:

  • Your credit report is up to date
  • Estimate how much EMI can you afford. As a rule of thumb EMIs should be less than 10% of your income.
  • Walk into any Parama Nidhi LTD branch or apply online for your Loan.
A home loan or a housing loan is money that an individual borrows with the express purpose of buying a home. The property acts as a collateral for the loan. The borrower has to repay the loan along with an agreed upon interest through monthly EMIs over a period of time i.e. the tenure of the loan.
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