Muthoot FinCorp Vyapar Plus

Vyapar Plus – Grow Your Business. Serve Your Community.
Earn commissions as you transform your Kirana store into a trusted neighbourhood service point by offering banking, bill payments, travel bookings & financial services.

Muthoot FinCorp's Vyapar Plus brings all of the above services to merchants Pan-India through its secure & easy-to-use platform.

Why Choose Vyapar Plus?
1. A trusted platform from Muthoot FinCorp Ltd.
2. Earn commissions on every eligible transaction.
3. Expand your business by offering banking and financial services.
4. Quick & secure onboarding
5. Real-time transaction tracking
6. Track your earnings and wallet balance in real time.
7. Dedicated merchant support.

One App. Multiple Business Opportunities.

AEPS (Aadhaar Enabled Payment System)
Cash Withdrawal • Balance Enquiry • Mini Statement

Domestic Money Transfer (DMT)
Instant money transfer to bank accounts across India • Secure & reliable transactions

Bill Payments
Electricity • Water • Broadband • FASTag • Loan Repayments

Mobile & DTH Recharges
Recharge major mobile and DTH operators instantly.

Travel Booking
Book Flights • Buses • Hotels

Loans & Investment Lead Generation
Help customers discover Muthoot FinCorp's & Partners financial products while earning commissions on eligible lead conversions.

💼 Merchant Wallet & Earnings
1. Manage your business funds with an integrated wallet.
2. Add Money
3. Transfer Funds Between Wallets

Bank Settlement

View Transaction History

Track Wallet Balance

Get Started in Minutes

Download the Vyapar Plus app.

Complete merchant onboarding and KYC verification.

Activate eligible services after successful verification.

Start offering services to your customers & earn commissions on eligible transactions.

Loan Terms & Conditions
Gold Loan
● Loan Amount: ₹1,000 (min) to maximum as per policy
● Tenure: 180–365 days
● Interest Rate: 11.99%–30% p.a.
● Processing Fee: 0%–0.3%
● Foreclosure Fee: Nil
● Representative Example:
Gold Loan Example: For a ₹5,00,000 loan at 12.99%* annual interest, a customer paying only interest every 30 days for 270 days will pay ₹48,045 as interest. The processing fee is ₹25 (including GST); the total payable amount is ₹5,48,070 by the end of the 270-day tenure. Principal repayment is flexible within the 270-day tenure.
*Note: Figures may vary with gold rates & schemes.
Final rates depend on the Gold Loan scheme & gold rate per gram.

Personal Loan
● Loan Amount: ₹20,000 to ₹1 Cr
● Repayment Tenure: 6 to 96 months
● Rate of Interest: 10.5% to 30%
● Processing Fees: Up to 3.54% of loan amount (incl. of applicable taxes)
● Representative Example:
A loan of ₹1,00,000 at an interest rate of 14% p.a. for 12 months results in an interest amount of ₹7,745 (reducing balance method), with a processing fee of 3.54% (₹3,540) & other charges of ₹200. The total amount to be repaid after a year is approximately ₹1,11,485. Note: This is an estimate; actual interest rate & processing fees may vary depending on the product.
Note: Interest rates and processing fees vary based on eligibility and loan product.

📌 Important Information
Please note: Certain banking & financial services will be available only after successful merchant onboarding and verification. And they are subject to eligibility criteria and applicable partner policies.

Learn more: https://muthootfincorp.com/regulatory-and-compliance

📞 Customer Support
Need help? Contact the Muthoot FinCorp support team through the support options available in the Vyapar Plus app.

Recent changes:
Bug Fixes & Improvements