Personal Loans by Muthoot Finance are available for salaried employees from Public Sector units and other reputed institutions. We also offer personal loans for self-employed individuals. All other individuals who give 100% collateral security which can be in the form of RBI bonds, LIC policies, NSCs, or any other tangible security also have eligibility to avail personal loans too. In terms of personal loan eligibility, you should know that Muthoot Finance may stipulate fulfillment of minimum criteria such as net salary, age, years of service remaining, total years of service, and owning a house depending on the person's risk profile. Muthoot Finance also possesses the right to not approve an application if any of the criteria are not fulfilled, or without having to assign any reason.