Muthoot Vehicle and Asset Finance Ltd FD Rates 2026

A Fixed Deposit (FD) investment might be an effective solution for your investment needs. Due to its stable returns and safety, FDs in 2026 account for more than 50% of Indian household savings. 

While this is one of the safest investment options, investors search for the maximum returns. Muthoot Vehicle and Asset Finance Ltd offers attractive interest rates going up to 9.25%. Here are the complete details of Muthoot Vehicle and Asset Finance Ltd FD rates.

Muthoot Vehicle and Asset Finance Ltd FD Rates for General and Senior Citizens

The Muthoot Vehicle and Asset Finance FD interest rate varies depending on the tenure you choose while opening an account. 

This FD provider lets you choose short to long-term investment options, starting from 12 months to 60 months or 5 years. As an FD investor, you will get a competitive interest rate ranging from 7.25% to 9.25% PA for longer tenures. 

Explore FD options from 12+ banks and NBFCs and earn up to 8.00%. Download the Stable Money app to know more!

Term Wise Muthoot Vehicle and Asset Finance Ltd Fixed Deposit Rates

If you opt for Muthoot Vehicle and Asset Finance Ltd as your FD provider, you can choose short-term, medium-term and long-term investment options to earn high-yielding FD rates and grow your corpus:

1. Short-Term Investment

If you are looking for a short-term investment option, you can consider investing in a Muthoot Finance Fixed Deposit for a period of 1 to 2 years. In this range, the FD provider facilitates a 7.25% annual return for 1 year. For 2 years, the return is slightly higher and is currently 9.00% per annum. 

1. Medium Term Investment 

To increase your return, you can choose to extend your investment tenure from short to a medium term. If you stay invested for 36 months or 3 years in this scheme, you get a higher return. As of 2026, the FD provider offers 9.25% interest for a medium-term investment. 

1. Long-Term Investment

To reap the most out of the compounding benefits of interest, a long-term investment is suitable. The Muthoot Finance FD rate for 5 years currently stands at 9.00% PA. Thus, choose your investment horizon depending on your financial goal and invest in the long term. 

Benefits of Muthoot Vehicle and Asset Finance Ltd Fixed Deposit Rates 

Before you make an investment decision with Muthoot, you must learn its key benefits so that you can maximise your returns: 

• In case of financial emergencies, you can take a loan of up to 75% of the entire FD amount. Such a loan comes with zero processing charges and has no prepayment penalty. 
• Considering the safety and stability of the scheme, Muthoot Finance Fixed Deposits are rated ‘A’ by CRISIL, indicating a high degree of safety and low credit risk.
• Investing in this scheme will also give you the option to receive a monthly/quarterly payout. It might be helpful to generate a passive income stream over its tenure. 

Eligibility to Avail Muthoot Vehicle and Asset Finance Ltd FD Rates

To enjoy the FD rates by Muthoot, you must meet the eligibility criteria as set by this FD provider:

• Any resident individual of India can apply for this scheme
• Hindu Undivided Families or HUFs are also eligible to open an FD account here.
• Non-profit organisations such as trusts, societies, association clubs, etc., are eligible.
• Private or public companies, partnership firms and co-operative societies can open an FD here. 

Documents Required to Avail Muthoot Vehicle and Asset Finance Ltd FD Rates

While opening an FD, you must provide some copies of valid documents to the FD provider. 

• As proof of identity, you can provide a copy of your updated Aadhaar Card or PAN card.
• For address proof, you can provide copies of your passport or utility bills. 
• Keep handy other documents, such as bank statements and Form 16.

Premature Withdrawal of Muthoot Vehicle and Asset Finance Ltd. Fixed Deposit

Muthoot FD scheme allows you to withdraw your investment prematurely in cases of emergencies. However, currently, the FD provider does not mention any premature charges. You must consult with the provider about the premature withdrawal condition before investing. 

Tax on Muthoot FVehicle and Asset Finance Ltd. FD Rates

As per the norms of the Income Tax of India, if your total interest income in a financial year exceeds ₹50,000, you are liable to a 10% TDS. In case of senior citizens, the threshold is ₹1,00,000. However, being an NBFC, it allows an exemption if your total interest income stays under ₹5,000 in a financial year. 

Muthoot Vehicle and Asset Finance Ltd Overdraft Against Fixed Deposits

You can draw an overdraft against your FD in Muthoot Vehicle and Asset Finance Ltd. You can apply for a loan of up to 75% on your FD amount. In that case, you are liable for a 2% interest rate over and above the applicable FD rate. 

Muthoot Vehicle and Asset Finance Ltd FD Calculator

Now that you know the Muthoot FD rates, let us understand how interest income is generated with an example: 

• Suppose you invest ₹2,00,000 in the Muthoot Fixed Deposit scheme for a tenure of 3 years at an annual interest rate of 9.25%. 
• Over this period, your investment will earn a total interest of ₹60,793.
• At the end of 3 years, you will receive a total maturity amount of ₹2,60,793, which includes both your principal and the interest earned.

Why Should You Book an FD with Stable Money?

Booking an FD with Stable Money eases your investment journey. 

From the Stable Money app, you can find India’s prominent banks and NBFCs listed with competitive interest rates. Booking an FD with our app will not require creating a bank account or any account with NBFCs.

Using our in-app FD calculator, you can estimate how much return you will receive on your total investment.

Also, Stable Money makes getting a credit card much easier. Once you complete your e-KYC and your FD is ready, you can request a secured credit card without even a credit score. You also get to enjoy the added security of ₹5 lakh insurance coverage by DICGC, ensuring your investment remains protected.

For more details and a seamless booking experience, download the Stable Money app today!