Financial Services

Muthoot Chambers, Opp.Saritha Theatre Complex, Banerji Road, Ernakulam - 682 018
Ph: 0484 - 2394712, 2396478, Fax: 0484 - 2396506.
e-mail: mails@muthootgroup.com, website: www.muthootfinance.com

The Company

Muthoot Finance Ltd., the flagship company of The Muthoot Group was founded in 1939, by Shri M. George Muthoot. The company today is India’s largest and the world’s biggest Gold Loan Company. With a holding of 138 tonnes of gold, Muthoot Finance is also one of companies to hold the largest gold reserves in the country.

Listed on both BSE and NSE, the company is registered with the RBI as a Systemically Important Non Deposit Taking NBFC. Muthoot Finance Ltd. has been serving millions of underserved and unbanked Indians to bring them under the banking network by providing them with easy Gold Loans. This has in turn led to their financial inclusion. Muthoot Finance, today, has a presence across India and abroad through its network of 4200 branches, 60% of which are located in Tier III to Tier VI cities. The average ticket size of our loans is around Rs 30,000/- to Rs 40,000/- only, helping us serve the unbanked masses in rural, semi urban and urban areas of the country.

Customers- Our Priority

Being an organisation focused on serving the customers’ needs & financial inclusion of the unbanked masses, Muthoot Finance has revolutionised the borrowing mechanisms by making it extremely easy for our customers to take loans. Our Gold Loans start from as low as Rs. 1,500 to even Rs. 1 crore. Our hassle-free and least documentation systems allow us to clear loans over the counter quickly. This is what makes the Muthoot Finance Gold Loans truly a customer’s delight!

From Pioneering Gold Loans to Transforming Them

Our pioneering steps in the realm of Gold Loans have transformed the very concept of Gold Banking. We changed the concept of Gold Loans from that of a ‘last resort’ or ‘desperate loan’ to a ‘need based product’. And gradually we also succeeded in reshaping the model of Gold Loans into a ‘lifestyle banking product’, pervading them into the urban markets as well. Our diverse customer base comprises not just the underserved from rural corners of the country but also HNIs, Super HNIs and Big Borrowers.

A Million Dreams Come True!

Muthoot Finance can today proudly state that its easy Gold Loan schemes have not only facilitated customers with the much needed finance during their times of distress but have also empowered ideas, aspirations, expansions and growth!

At Muthoot Finance, it is our privilege and honour to be an integral part of the process of Financial Inclusion and economic progress of the country. We endeavour to continue our efforts in this direction while reshaping lives across India and helping a million dreams come true!

Overseas Operations

Website:www.muthootgroup.co.uk

Muthoot Global is the overseas initiative of the Muthoot Group with its operations across US, UK and UAE. The core objective of the global wing is to assist NRIs with efficient money transfers, holiday planning, travel bookings, gifting their loved ones on special occasions as well as making use of their household gold jewellery to obtain loans in times of emergency.

The UAE operations of Muthoot Global commenced in the year 2002 and that of UK were started in 2007. In 2010, we expanded to the markets of the East Coast of the US. Now our Money Transfer services are prominent in UAE, US, as well as UK. The Group is now planning to rapidly enter other parts of the world, looking at the pace of growth that the global operations have picked up.

The entities that comprise the global arm of the Muthoot Group are listed as follows:

  • Muthoot Finance UK Ltd.
  • Muthoot Global Money Transfers Pvt. Ltd.
  • Muthoot Travel & Tourism LLC

Money Transfer

The Muthoot Group, Money Transfer Division, Residence No: KRA 109, Opp. KTC Parcel Services, Kottecanal Lane, Lisie Hospital Road, Kochi – 682 018
Ph : 0484 – 3070800, 3077751 – 55, Mobile : +91 – 98470 00700
Email : joseallesh@muthootgroup.com, joseallesh@gmail.com

The Money Transfer service of The Muthoot Group is one of the most trusted services in the world. The service has a strong demand not only in India but in countries like the US, UK and UAE also. The Muthoot Group’s Money Transfer service is an online facility that enables customers to collect money from overseas. Fast and easy, our money transfer service all around the world is counted amongst the most reliable ones.

With a network of over 4200 branches all over India, Muthoot Finance Ltd. provides excellent money transfer services. Irrespective of the service being used by the sender, the recipient can get the money from any of our branches. Below is the list of 7 inward remittances that Muthoot Finance offers:

  • Xpress money in association with Muthoot Forex
  • Instant Cash in association with Wall Street Finance
  • Ez Remit in association with Bahrain Finance
  • Transfast in association with Instant Global Money Remittance
  • Moneygram in association with Muthoot Forex
  • Global Money transfer in association with Trust Travel Pvt Ltd
  • Western Union in association with PAUL Merchant Ltd
Besides International Money Transfer, Muthoot Finance is also into Domestic Money Transfer from Muthoot Finance branches to the bank accounts of the customers.
Besides our own portal "Muthoot Money", We have tie up with "Oxigen" (All India tie up) And Fino Limited also.

INDO-NEPAL REMITTANCE

Muthoot Finance has launched Indo-Nepal Remittance arrangement with Nepal's second largest Remittance Company Named “Prabhu Money Transfer” associated with Prabhu Bank. Muthoot Finance has 4200+ locations all over India, all the branches of Muthoot Finance have the facility to send money to Nepal. Prabhu Money has 20000 locations all over Nepal. For more details on Indo- Nepal Remittance Click Here

 

Forex

Sudhir Sukumar, Asst Vice President), Muthoot Exchange Company Pvt Ltd
Corporate Office: 2nd Floor Cochin Dental Clinic Bldg, Market Road North, Ernakulam 682 018
Ph: +91-484-2397184,+91-9446166931
e-mail : forex@muthootgroup.com

With simplified foreign exchange services, we provide our customers with the power to travel anywhere in the world with little to worry about currency availability. Muthoot Exchange offers hassle-free currency exchange services that are provided at competitive rates. Since we deal in all of the major currencies like the Euro, US Dollar, British Pound and Japanese Yen, our exchange services are useful for a wide array of avid travellers.

Travel currency cards are also easily available from our network of over 4,200 plus Muthoot Finance branches across India. Muthoot Exchange adds value to its money exchange services by allowing customers to send money abroad for Education, Immigration, Medical Treatment and other services.
 

Muthoot Exchange services are executed strictly as per the guidelines of the RBI. We also undertake agreements with hotels, resorts, travel agencies, hospitals, and emigration as well as student consultants for sale/purchase of Forex.

  • Purchase of all major Foreign Currencies and Traveler’s Cheques
  • Sale of foreign exchange in the form of foreign currencies, AMEX Traveler’s Cheques and VISA Travel cards to those going abroad for private and business visits
  • Outward remittances for different purposes like studies abroad, medical expenses and others
  • Maintenance expenses of close relatives
  • Repatriation of sale proceeds of ancestral assets by NRIs
  • Visa/ Emigration charges
  • Membership/ Subscription charges
  • We also facilitate remittances for Gifts

Highlights of our services:

  • Competitive exchange rates
  • No extra charges for the travel currency card
  • Minimum time to send money abroad.
  • Ideal for last minute emergencies

 

Branches:

Kochi:
0484-2395345,3114010
Chennai:
044-26287734
Mumbai(Andheri):
022-26848203,26840615
Kochi Airport Road:
0484-3114949
Bangalore:
080-25532010,41477530
Mumbai (Fort):
022-22631442
Oberon Mall(Kochi):
91 484 3114949 2770720
Coimbatore:
0422-2390037
Gurgaon:
0124 4256901-03
Kottayam:
0481-2581020/21
Madurai:
0452-2622232
Connaught Place(Delhi):
011-43720281-86
Calicut:
0495-2723035,3271020
Trichy:
0431-2772611
Nehru Place(Delhi):
011 46538671-73
Trivandrum:
0471-2333552,2324257
Tirupur:
0424-2219400
Green Park(Delhi):
011 43108520-22
Thiruvalla:
0469-2603530
Mangalore:
0824-2443801
Janakpuri
011-40560962
Thrissur
0487-6532212
Nagercoil:
0465-2238578
Ahmedabad:
079 40027934
Pathanamthitta:
0468-2237090,3204010
Mysore:
0821-2426787
Surat:
0261 2230015/16
Kollam:
0474-2760490,3251030
Tutricon:
0461 4000551
Agra:
0562 4033601-03
Fort Kochi
0484-2218044
Goa (Panaji)
0832-2220004
Pune:
020 26068160-62
Panipat:
0180 4004389-91
Chandigarh:
0172 5008864
Ludhiana:
0161-2770720
Jalandhar:
0181 5077070
Kolkatta:
033 649952532
Jaipur:
0141 2410281/82
Varanasi:
0542-2500397
Panaji:
91 832 2431194
Kannur:
0497-2764520
Secunderabad:
040-27711326
Amritsar
0183-5012019,26

The Muthoot Group ventured into the competitive world of equity & commodity broking on 28th May 2008, with the objective of sustaining its leadership by positioning itself as a professional outfit dedicated to high standards of business excellence marked by integrity, fairness and transparency, strict adherence to commitments and most importantly trust.

Muthoot Securities Limited (MSTL) is a member of all major stock exchanges viz., NSE, BSE and MCX-SX. MSTL acts as a full-fledged depository participant of CDSL and NSDL. Muthoot Commodities Limited (MCDL) is affiliated to major commodity Exchanges viz., MCX, NCDEX, NMCE and NSEL.  
 

MSTL has its operations spread across 200 business centers in Kerala, Tamil Nadu, Andhra Pradesh and Karnataka and provides an array of financial products and services namely Equity, Commodity & Currency Trading, Internet Based Trading, Portfolio Management Services, Depository Services, Mutual Funds, PAN Services, Market Research, etc.

With the overall objective of increasing the investors’ significant platform of operations, Investor Awareness Programs (IAPs) are conducted across cities and towns in partnership with national exchanges and depositories.

Muthoot Securities goes further to cater to its valuable clients with market insights and investment advice, through its strong & experienced fundamental & technical research team thereby bringing the best independent and innovative thinking to investment decision making.

MSTL is also one of the leading PAN Card service providers in the country and has already successfully provided PAN Card services to over 8 lac customers in India in partnership with UTI.

MSTL has also ventured into another customer service area, that of Vehicle Insurance. Currently, MSTL has aligned with 5 leading Non-Life Insurance Companies in the country namely:

  • Bajaj
  • HDFC Ergo
  • Reliance
  • Shriram
  • New India Assurance

Infotech

Emsyne, Muthoot Systems and Technologies Pvt Ltd, 4th Floor, Tejomaya, Info Park, Kusumagiri P O, Kakkanad Kochi 682030
Ph: 0484 - 3219386.
Website: www.emsyne.com, email: emsyne@emsyne.com

Muthoot Systems and Technologies Pvt. Ltd. (Emsyne) is the Information Technology Division of Muthoot Group. Established in 2006 and headquartered in Infopark, Kochi, Emsyne caters to the software development and maintenance needs of the The Muthoot Group apart from being a total software solutions provider to select global clients. Emsyne has specialised in financial software solutions and has developed a powerful and user-friendly Core Banking Solution (CBS) which has been running smoothly in over 4500 Branches of the Group accessed by 15,000+ concurrent users.

Emsyne, with its focus on quality and in-depth knowledge in financial domains, has been successful in meeting the unique requirements of BFSI clients. It has a suite of ready-to-deploy software packages ranging from highly scalable core banking solutions to foreign currency management systems. The software and mobile solutions developed by Emsyne have been recognized for providing high level of performance, scalability, reliability, and user comfort. The company’s approach focuses on enabling businesses by combining innovations and process improvements through latest technologies.
 

The wholly owned IT subsidiary of The Muthoot Group is led by business professionals with decades of hands-on experience in leveraging technology to transform business organizations. The Emsyne facility at Infopark is state-of-the-art, providing an excellent work environment to the 100+ team of dedicated IT specialists working in the company.

Media

Chennailive 104.8FM
Empee Towers, Ground Floor, 59 Harris Road, Pudupet, Chennai - 600 002.
Ph: 044 - 42261000.
e-mail: programming@chennailive.fm, Website: www.chennailive.fm

Voice of Wealth

Muthoot Chambers, Opp. Saritha Theatre Complex, Banerji Road, Ernakulam - 682 018.
Ph: 0484 - 2394712, 2396478. Fax: 0484 - 2396506.
e-mail: voiceofwealth@muthootgroup.com, Website: www.chennailive.fm

Chennailive 104.8FM is a locally involved radio station aimed at entertaining, educating and updating the people of Chennai. It focuses on local happenings, information and issues relevant to the day to day life in Chennai. It features discussions and debates with studio guests and listeners. The intellectually stimulating talk is entwined with the best of Tamil and International music.

The philosophy of the station is to bring together a wide range of opinions and viewpoints in the city while covering the occurrence of events in the city.  
 

The station has a team of professional presenters who co-ordinate and anchor the programmes in a catchy and entertaining manner. They have the ability to carry the local audience with them. The team is highly active and visible in the community with outside broadcasts (OBs) and live appearances to promote and support local events. This gives listeners the sense of connect with the radio station.

The station continuously interacts with senior professionals from diverse fields such as entertainment, media, industry, government and non-governmental organisations and other opinion leaders on the station’s programming policies.

It was a long felt desire, especially when The Muthoot Group offers a basket of financial products/services to the investing public, that group may also come out with a financial magazine providing updates on current economic scenario, market trends etc. The dream was fulfilled when we launched the much sought after ‘Voice of Wealth’ in 2006. With its rich contents and attractive layout, the magazine has achieved a wide acceptance. It has grown rapidly and reached a circulation level of 40,000 within a short period of time. The magazine strives to bring to its readers a fresh perspective on the market conditions and the economic environment.

Healthcare

MGM Muthoot Medical Centre,
College Road,
Kozhencherry,
Kerala - 689 641,
Ph: 0468 2314000

MGM Muthoot Medical Centre,
Ring Road, Pathanamthitta
Kerala - 689 641
Ph: 0468-300-55-00

 Website: www.muthoothealthcare.com

The Muthoot Healthcare Division was founded with the vision to bring advanced medical facilities within the reach of the common man. Over the years, the division has earned the reputation of being the best equipped and best healthcare provider in Kerala.

Muthoot healthcare has established two multi-specialty hospitals, a primary healthcare clinic and 17 diagnostic centres. It also has an education unit with colleges, schools of nursing, allied health service and management colleges.

Mar Gregorius Memorial (MGM) Muthoot Medical Centre, Kozhencherry

Situated at Kozhencherry, the Muthoot Medical Centre is a certified multispecialty hospital that has over 300 beds and offers 15 specialty and 9 super-specialty medical services. The hospital employs more than 300 medical and paramedical staff and caters to the medical needs of population clusters well beyond the Central Kerala. It has earned the reputation of being the best staffed, best equipped and fastest growing medical centre in Kerala.

The hospital has also been granted certification by the National Accreditation Board for Hospitals and Health Care (NABH) of the Government of India in recognition of its outstanding quality practices.

As stipulated by NABH (National Accreditation Board for Hospitals and Healthcare Providers), the Healthcare team efficiently implemented the 102 standards and 636 objective elements and successfully underwent the final assessment in March 2015, with excellent reviews from the NABH assessors.

Recently the hospital inaugurated a specialised oncology/cancer centre at the newly constructed the Paul M George Block

Mar Gregorius Memorial Muthoot Medical Centre, Pathnamthitta

MMC Pathnamthitta is also a 300 bed multispecialty hospital offering 12 specialities and 7 super-specialty services. Certain departments are being developed into centres of excellence. A state of the art Cath Laboratory is also operational, that has enhanced the capabilities of the cardiology department.

Education

ST. GEORGE’S SCHOOL, ALAKNANDA

St. George’s School
Alaknanda, New Delhi - 19.
Ph: 011 - 26022325 / 26024645.
Fax: 011 - 26020230.

For more information visit: www.sgs.edu.in

 

St. George’s School, 50 year old illustrious institution, is located in a six-acre plot in the middle of the prestigious Alaknanda Colony in the heart of South Delhi.















The School provides the most modern facilities for education with two well-equipped libraries and six laboratories, four excellent computer centres, a multipurpose auditorium and a conference and in-service training centre.

The school is dedicated to the cause of progressive education and aims at producing outstanding scholars with well integrated personalities. The School’s endeavour is to instil in the students social, moral and spiritual values enshrined in the Indian culture. The school imparts values through the motto ‘Mata, Pitah, Guru, Ishwar’. The school is well known for the discipline it maintains and the values it imparts. Special attention is given towards building a high moral character and discipline.

The School has an extensive and ultra-modern Sports Complex, a view to foster qualities like discipline, team work and leadership. The facilities include a lush green Cricket ground with two turf wickets of International Standard. Another highlight is the two International level Cricket Practice Wickets having lush green surroundings under floodlights.

An important upgrade is an International Standard Basket Ball court having hydraulic rings with Fiber Board. The only court of its kind in Delhi, the entire Court, Polls and Board are approved by the Basket Ball Federation of India.

Two lawn Tennis courts of International Standards add to the grandeur of the complex.

St. George’s School today is the only school in Delhi having the entire sports complex illuminated with floodlights.

The performance of the students in the senior secondary examinations year after year is ample testimony to the dedication and sincerity of the management and staff of the school. Consistently, from the beginning, the school has secured 100% pass with almost all the students being placed in the first division.

The School offers a unique mix of tradition and technology. It blends old and time tested values with modern knowledge and state-of-the-art facilities. It is a traditional institution with a most progressive outlook. It is, in short, an institution that other institutions would always try hard to emulate.
 

PAUL GEORGE GLOBAL SCHOOL

 

Paul George Global School
Alaknanda, New Delhi-110019
Email ID : contact@pggs.edu.inadmissions@pggs.edu.in
Phone No: 011-26037677 011-65707777, 09268707777
For more information visit: www.pggs.edu.in

Set up under the aegis of St. George’s Education Society and built in the memory of Late Shri Paul M George, former Executive Director and son of Shri M.G. George Muthoot, Chairman of The Muthoot Group; PGGS is unique, exemplar and one of its kind in the country.















At PGGS, holistic education is imparted through value orientation along with a creative curriculum in a harmonious learning environment. The school offers:
 

  • Ideal student teacher ratio achieved through a dedicated and handpicked team of teachers motivated by love for children and passion for teaching. PGGS offers a conducive atmosphere to make learning fun for children instead of being sensed as a burden.
  • Very high focus on inculcating value-orientation amongst children including adopting Indian culture, respecting parents, teachers & elders, discipline, patriotism, compassion for others and developing an attitude of helping the needy and lesser privileged – leading to overall development of children into fine, complete and responsible human beings.
  • Fully Wi-fi enabled campus with airy and spacious classrooms specially designed to have good access to natural light. Classrooms for younger kids are equipped with special French-made vinyl flooring giving maximum safety to children while studying & playing.
  • Classrooms equipped with next-generation Pearson DigiClass Smart boards offering multi-media based teaching solution – empowering teachers to transform traditional blackboard-and-chalk classroom into an interactive and engaging session for increased learning and retention. Unique features of Smart board include touch-screen, facility to pre-load content, write-on-board and auto-save options.
  • The school is air-conditioned by eco-friendly & energy-efficient Radiant Cooling system reducing pollution levels in the school - Introduced for the 1st time in a School in India. Specially imported from Germany, this system involves circulation of hot water (during winters) and cold water (during summers) through pipes embedded within the building slabs thereby providing ideal temperature for the best health of children. This unique technology maintains uniform heating and cooling across the campus so that our little ones are not affected by temperature variations.
  • One-of-its-kind multi-purpose auditorium with 500+ seating capacity to host cultural programs & stage performances with ultra-modern Italian made light & sound equipment.
  • First-of-its-kind school auditorium equipped with automated retractable seating – a unique technology imported from South Korea that enables all seats to retract within 5 feet space in less than 5mins - thereby transforming the entire auditorium into an indoor play area accommodating Basketball, Table Tennis & Badminton sports. Automated remote controlled system to activate ceiling-suspended Basketball hoops to emerge and fasten in position for playing games – customised for various age-groups.
  • Grand amphitheatre overlooking the central green playground with mini-hockey & football play areas with child-friendly green turf procured from New Zealand.
  • Fully covered, indoor, heated Swimming Pool specially designed to offer adequate privacy for your little ones with separate changing rooms and shower facilities for boys and girls. Technology for heating pool water imported from Spain which enables all-weather usage throughout the year.
  • Unique roof-top skating rink and ‘Wimbledon style’ tennis court with player-friendly smooth surface of international standard.
  • 8-lane, 100 metres synthetic running track of global standards imported from New Zealand providing a consistent surface for athletics, unaffected by adverse weather conditions.
  • In addition to Cricket practice nets, availability of a full-fledged Cricket play ground with flood lights for day and night matches.
  • Well-equipped in-house Medical Care Centre with a professionally qualified & trained full-time nurse. Also, Doctor-on-call for attending any medical emergency.
  • 100% CCTV enabled campus with 24x7 deployment of professionally trained Security Guards to ensure complete safety and security of children.
  • Adequately staffed, safe & secure GPS (Global Positioning System) enabled transportation with live information on location and movement of school bus.
  • Scientifically designed kids-friendly sand-pit and splash-pool & dedicated outdoor play area for younger kids.
  • Well-equipped library, computer labs, art and activity rooms with attractive, colourful and child-friendly furniture to make learning an enjoyable experience.
 

MUTHOOT INSTITUTE OF TECHNOLOGY (MITS)

Muthoot Institute of Technology and Science
Varikoli P.O, Puthencruz- 682308
PH: 0484-2732111/100
For more information visit: www.mgits.ac.in

Muthoot Institute of Technology and Science (MITS) is promoted by Muthoot M. George Institute of Technology, a Section 25 Company within the Muthoot Group. MITS, a self-financing Engineering College is situated in the Industrial suburb of Kochi close to the Smart City and Info Park, some 15 km from Vytilla Junction on the Cochin Madurai NH.













 

  • State-of-the art Engineering College situated in the industrial suburb of Kochi.
  • Full-fledged Engineering College offering specializations across Electronics and Communication, Computer Science, Electrical and Electronics, Mechanical and Civil Engineering to over 300 students.
  • Offering excellent faculty, state-of-the-art infrastructure & extremely supportive Management with complete freedom to the Academic Team to develop MITS into one of the best Engineering Colleges in India.
  • Approved by All India Council of Technical Education (AICTE) and affiliated to Mahatma Gandhi University, Kerala.
  • Ranked 1st amongst 43 Engineering Colleges under the MG University in the very first year of its inception, obtaining a remarkable 84.56 pass %
  • Further emerged as Topper in MG University in the 3rd semester for the 2013-2017 batch by achieving a pass percentage of 83.39%
  • Highly affordable fee structure at par with Govt.-run institutions.
  • Excellent engineering facilities for all specialisations including separate Hostel Facility for boys and girls.
  • Scholarships offered to deserving students.
  • For more details please click here


MUTHOOT COLLEGE OF NURSING, KOZHENCHERRY & PATHANAMTHITTA, KERALA




 
  • Range of full-time courses offered including B.Sc. Nursing, General Nursing, M.Sc. Nursing (starting soon), Post Basic (starting soon), Medical Laboratory Technician, Medical Imaging Technology, MBA, Hospital Information Administration
  • Over the years has emerged as a reputed College in the field of Medicine and Nursing.
  • Global reputation of producing top quality nursing professionals preferred globally across leading international hospitals.
  • For more details on Muthoot College of Nursing, Kozhencherry please
    click here
  • For more details on Muthoot College of Nursing, Pathanmthitta please
    click here

MUTHOOT SCHOOL OF NURSING, KOZHENCHERRY, KERALA



 
  • Located in a calm, quiet & spacious campus.
  • 50 students per batch attended by trained & experienced teaching faculties.
  • Well-furnished hostels, dedicated, trained and experienced teaching faculty.
  • Supervised practical training in the parent hospital with state- of-the-art medical equipment.
  • Well-equipped library with reference books & access to a range of study material.
  • Modern Laboratories and scholarship scheme offered to deserving students.
  • Scholarship Schemes offered to students.
  • Special coaching for Computers & Spoken English.
  • For more details please click here

MUTHOOT COLLEGE OF ALLIED HEALTH SCIENCES & MANAGEMENT STUDIES, KOZHENCHERRY, KERALA



 
  • Affiliated to Sikkim Manipal University (SMU).
  • Offering Under-graduate and Post Graduate Courses in Health Sciences & Management Studies.
  • Courses include MBA, M.Sc., B.Sc., Diploma, Certificate courses & Off Campus courses.
  • Ultra-modern equipment with latest technology available for academic & practical training.
  • Well-furnished classrooms with all sophisticated most modern facilities.
  • Variety of teaching & learning techniques adopted to impart knowledge and skills to students.
  • For more details please click here








 

Power Generation

Global concern over pollution and several issues caused by the increase in green house gas emission and consequent changes in climate have resulted in a paradigm shift in the approach towards the development of the energy sector in many countries. The need for adoption of clean technology, improving end use efficiency and diversifying energy bases etc have all been seriously considered by the Government of India since the 6th five year plan and the country is poised for a considerable increase in the use of renewable energy sources in its transaction to a sustainable energy base.

Power generation by harnessing wind energy is the most pollution free renewable and environmental friendly energy resource in our country. It is in this context that the group has ventured into power generation by tapping non-conventional energy resources. The group has installed 3 No's of 1.25 MW capacity Suzlon Make Wind Electric Generators at Devarkulam site in Tirunelveli District, Tamil Nadu. About 8 million units are being generated from the WEG'S annually and this is being pumped into the Southern Grid. Identifying vast potential of alternative energy sources, The Muthoot group is planning to invest more in this sector in the near future and so as to full fill our responsibility to our nation.

Leisure & Hospitality

Cardamom County
Thekkady, Idukki,
Kerala - 685 536,
Ph: 04869 - 224501,
Fax No. : 04869 – 222807, 
e-mail: reservations@raxacollective.com
Website: www.raxacollective.com

XANDARI

Based on its belief that hospitality can improve lives and also be good for the natural and cultural environments, the Muthoot Group embarked on a journey in 2001 to deploy its resources in the interest of entrepreneurial conservation.
 
Muthoot Group

Simplicity, elegance, and tranquility were keywords accompanying the conservation objective, and this led to the Muthoot Group acquiring Xandari Resort & Spa, one of Costa Rica’s most successful properties. Other Xandari properties in Kerala include a waterfront boutique destination in the spice trading district of Mattanchery and a private beach hideaway on the pristine sands of Mararikulam beach.
 

Now, MLHS is set to pioneer a sustainable chapter in tourism with its crown jewel — Xandari Reserve set on 2,000 acres of forest area just north of Goa. Xandari destinations across the world are partnerships with local communities - to conserve, protect and replenish the environment. From the harbour-front of Fort Kochi to the valleys of Costa Rica, the Xandari story is a testament to nature’s ways, soul of the land, and people’faith.
 

CARDAMOM COUNTY

The Call of the WIld

Kumily Thekkady Road, Periyar, Kerala - 685536.
Ph: 04869 - 224501/02/03
Email: reservations@xandari.com
Website: www.xandari.com

Located in the idyllic wildlife township of Thekkady, Cardamom County is a nature retreat bordered on one side by the Periyar National Park and Tiger Reserve and its lush highland forest and wetlands ecosystem. On the other side, we are embraced by a vibrant spice-trading community typical of the hill stations above the Malabar coast. Walking distance from both the entry to the Periyar and our village neighbors, we also welcome you to simply relax at the resort.


This four-star resort rests atop a small hillock with 42 lovely cottages blending into the terraced slopes. Rooms are spacious and airy, with interiors that are simple and elegant. Each cottage also has its own little patio from where guests can enjoy the lush natural habitat.

Cardamom County is also home to Ayura, our Green Leaf certified wellness center, where we offer an introduction to Ayurveda, an ancient way of life that promotes healthy living. The highly skilled team of Ayurveda specialists at Ayura provide tailor-made stress-relieving therapies, using handmade medicinal oils. For an experience that frees the body, mind and soul from all tensions, aches and pressures, Ayura is the perfect destination.

Guests can relax by the swimming pool, hit the gym, use snooker, table tennis, caroms for recreation or Yoga centres to energise, and spend time at the in-house library and shop at the Design store at the resort. For those who want to bring business closer to the great outdoors, the fully-equipped conference halls offer the ideal setting. The Pennycuick Hall can accommodate 250 guests, be it for celebrations, business gatherings, or public functions.

They talk about being spoilt for choice. Cardamom County shows you how!

XANDARI RIVERSCAPES

Tourism With a Conscience

Xandari Riverscapes
Near Pallathuruthy Bridge, A C Road, Alappuzha Dist, Kerala.
Ph: 0477 - 2269932, +91 9446406005
E-mail: reservations@xandari.com
Website: www.xandari.com
 

The success of Cardamom County led to the expansion of Muthoot’s hospitality venture. In 2005, MLHS began a new project, moving from the cool climes of the Thekkady hills to below sea level in the Kerala backwaters near Alleppey. The inclusion of the houseboat cruise has become part and parcel of every travel itinerary focused on Kerala, and Xandari Riverscapes has achieved the highest rankings in the booming houseboat market. A dawn awash in pink and orange; verdant lands bearing rice, coconut and banana; ripples on Vembanad lake the only sound for miles; sightings of kingfishers and cormorants; seafood freshly harvested from the waters - Xandari Riverscapes has mastered the perfect backwater experience.


Our fleet of 10 traditional houseboats, called "kettuvallams", are designed to complement the tranquil passage on the picturesque backwaters. They are built with wood harvested from local jackfruit tree plantations, hand-stitched by local craftsmen with coconut fiber rope (coir) and strengthened with fish oil—a tradition pre-dating industrial engineering techniques but proving stronger than modern alternatives. We are committed to keeping this knowledge and traditions alive, with your support.

Each houseboat is furnished comfortably and attractively while hewing close to tradition. The boats have one, two or three air-conditioned bedrooms. All have an open-air living area and a fully- equipped kitchen. From the viewing deck, or through your bedroom’s picture window, and on a canoe through the backwater heartland, you will see simplicity in action, and the result is immediate: slown down, de-stress, rejuvenate.

Meals are an essential part of the Xandari Riverscapes experience. With your backwater excursion beginning at noon, sit down to a delectable lunch of classic Kerala cuisine cooked on board. Dinner comes calling under starlit skies on clear nights, at the spot where your boat rests to watch the day close out. Rise to the sight of sun rays dancing into your bedrooms, and watch the day unfold as the boat sails past a day in the life of the backwater country.
 

XANDARI RESORT & SPA

The colorscapes of Nature

APDO 1485-4050, Alajuela, Costa Rica
Tel: 506 2443 2020 Fax: 506 2442 4847
 

Art and architecture are highlights of the Xandari experience in Costa Rica. 24 spacious villas nestled on a 40-acre plantation are surrounded by lush gardens, with terraces facing spectacular views of Costa Rica’s majestic Central Valley day and night. Each is a unique design, with tropical colors and contemporary design.


When the land where Xandari Resort is now located was purchased in 1989, the property was almost entirely planted with coffee, except for those areas too steep to harvest. There were few birds or butterflies as there were no trees, bushes or flowers to attract them. Slowly, we began to replace areas of coffee with trees and tropical plants in an effort to return the land closer to its natural state. Here, our aim is to diminish the environmental impact of all hotel operations and to protect the invaluable natural resources of the area.

A private forest reserve with rivers, five natural waterfalls, and 2.5 miles of trails offers excellent hiking, birding, and communion with nature. Three pools, each with a unique view of coffee plantations, provide added incentive for a morning swim. Or, start your day in our Yoga studio and save your swim for later at our sunset pool. Wide range of natural treatments are offered in private jalapas at the Spa Village, each featuring a hot-tub overlooking forest and valley at 3,900 ft.

Xandari's terrace restaurant features a variety of healthy choices, from Costa Rican specialties to Mediterranean and Californinan cuisines. Our farm-to-table menu begins at breakfast and continues through lunch and dinner, featuring produce sourced from our own plantations using all-natural methods.

At Xandari, sustainability underlines our every effort. Guests are invited to plant native trees during their stay at Xandari. We research which trees, bushes and flowers especially attract, feed and provide shelter to the various types of birds and butterflies that inhabit Costa Rica and are constantly adding new varieties to our botanical gardens. Listen to the songbirds as you walk through the orchards or take any of the guided tours to the farms, orchid garden and greenhouse.

An experience that is a perfect testimonial to Nature's inherent ways, a community’s bond with the earth, and the promises of a responsible way of seeing the world - that is Xandari.
 

XANDARI HARBOUR

The Future Tense of Past Perfect

V/40, Bazaar Road, Mattanchery, Kochi, Kerala 682002.
Phone: 0484 2223115/6/7/9
E-mail: reservations@xandari.com
Website: www.xandari.com
 

Gateway to the oldest Jewish community in the world and the last vestiges of colonialism, Mattanchery is anchored in history. Its identity as the nucleus of a spice trade spanning centuries breathes today in still-standing godowns and warehouses. Straddling Bazar Road, these structures once stocked spices like pepper and cinnamon before traders moved across the harbour, to the thriving city of Ernakulam. The bustle of trade lulled, several of the buildings crumbled away and others waited - with downed shutters - for a new calling.


The century-old warehouses that make up Xandari Harbour are some of the last. Preceding MLHS' conservation-focussed thinking, the three buildings that comprise the property served different purposes. One served as a chummery or lodging house for ship captains, eventually becoming a modest hotel. The other waterfront godowns housed spices and groceries like rice before they were used by fishermen as pass-through.

Respectfully restored and largely untouched, the buildings and their maritime legacy find a renewed being today in Xandari Harbour. This 16-room gem box of a hotel is walkable distance from Calvathy boat jetty and midway between Vasco da Gama Square and the famous Dutch Palace.

Views of the harbour and a bustling spice trade mark the 14 tastefully done guestrooms and 2 suites. From the spectacular Harbour Suite – with water views on three sides - watch colorful fishing boats head out to sea. The Spice Suite also looks over the water, with the added feature of offering snapshots of Bazaar Road. Of the 14 guestrooms, four are on the waterfront, four have private gardens and the rest have large picture windows that frame panoramas of blue and the vibrant colours of trade. The infinity pool in the center of the property, which seems to float on the edge of Kochi harbour, offers the perfect place to refresh after a day on the town.

The menu at the all-day restaurant, 51, is based on the coast’s position as a trade magnet throughout history. For thousands of years, starting with Egyptians, ships have docked here in search of spices. With the spice and the silk routes intermingling, Eastern Mediterranean influences entered local cuisines. This blend - what we fondly call Malabar Soul Food – brings together Indian and Mediterranean ingredients and food ways, slow cooked for our guests to enjoy.

Xandari Harbour is a nostalgic reminder of ancient sea routes and trade; of visitors and kindred who left a mark on the landscape, faith, and culture of the land.
This is the firm anchorage of our conservation story.
 

XANDARI PEARL

Where simplicity, elegance, and nature meet

Beach Road, Arattukulam Junction, Mararikulam North PO, S.L. Puram, Mararikulam, Alappuzha, Kerala 688549.
Phone: 0478 286 2700, 0478 2830900
E-mail: reservations@xandari.com
Website: www.xandari.com
 

Life is simply beautiful at the beach. And that is our orienting theme at Xandari Pearl on Mararikulam Beach, rated one of the top five "Hammock Beaches" in the world by National Geographic. Here at this ‘secret’ locale, in the company of those you most want to be with, simplicity is the perfect setting. The white sands, the truant sea breeze ruffling your hair, and the skies showing off their colours as you sit down to a plate of the day’s catch cooked your way - the seaside story is yours to share. A Pearl beyond price: a simple, organic, comforting, private hideaway.


short drive from Xandari Riverscapes - our houseboat operation on Lake Vembanad - Xandari Pearl comprises 20 villas spread across 18 acres of the quaint fishing village of Mararikulam. You are never too far from the sea in any of our 20 villas, five of which have plunge pools. Nestled in large gardens, the villas are a statement in comfort and privacy. Designed to accommodate two, all villas are crafted with the concept of laidback luxury in a lush, natural setting: bathrooms with an open to the air shower area and a dining spot in a sand-lined patio. Additionally, each villa has a comfortable garden-facing desk and a complimentary mini-bar. Once inside the curved walls of your villa, lounge in the hammock outdoors with a book or savor the indulgence of a shower open to the sky.

Xandari Pearl's 80 seat all-day dining restaurant overlooks a pool that finds its shape around coconut, mango and cashew trees. Freshness is guaranteed on all counts, with the kitchen using organic produce from the gardens and the day’s catch from the waters. In our chef’s company, go on a culinary adventure through our carefully tended edible landscape of land and sea.

At Xandari Pearl, green is a way of life. Walk between vegetable and fruit saplings, stopping to listen to green-thumbed gardeners explain the journey of the cashew apple and the nut before it reaches you. Even paddy is cultivated on site and over 30 varieties of bananas growing adjacent to the restaurant form a prized genome cluster.Through this bond with the land and the sea, we share the story of how generations lived by the currents, planned by the tides and followed the sun.

Vehicle & Asset Finance

Muthoot Vehicle and Asset Finance Ltd.
website: www.mvafl.com

Muthoot Vehicle and Asset Finance Ltd. (MVFL), is the Vehicle and Asset Finance Division of the Muthoot Group. The Company was incorporated in 1992 as Muthoot Leasing and Finance Ltd. In the year 2008, the name of the Company was formally changed to Muthoot Vehicle and Asset Finance Ltd to correctly highlight the nature of financial solutions being provided by the Company.

MVFL, as per the certification by Reserve Bank of India, is a Deposit taking Asset Finance Company (DAFC). MVFL has the distinction of being the only one of its kind in Kerala.

MVFL is a dividend paying company and also has been maintaining investment grade rating for its deposits since over five years from ICRA. The Company deals in both Liability (Deposit) Products and Asset (Loans) Products.

MVFL carries out its operations through a network of 33 branches spread across 13 districts in Kerala. The Company has made considerable forays into financing of used and new commercial vehicles, passenger and goods’ autos, earth moving equipment, tippers, JCBs, private vehicles and other asset finance solutions to strengthen the economic base of urban and rural sectors in Kerala.

We have readymade financial solutions at moderate and affordable costs encompassing all the activities including special schemes for traders, contractors, builders and a unique “Muthoot Dream Home Scheme” for those intending to purchase affordable house plots / homes. Over a period, we have built up a strong reputation of trust and integrity while serving countless customers by offering expert advices on their financial needs. Our span of reach stands multiplied throughout the country thanks to the presence of the over 4,500 strong Muthoot Group Branches.

Plantations & Estates

Growth being one of the core values, it is only natural that The Muthoot Group is into Plantations on a big scale. Muthoot Plantations boasts cardamom, tea, coconut and rubber plantations, contributing to the group’s eco- friendly initiatives while contributing returns through healthy and organic growth.

Large tracts of land are utilised for agriculture, horticulture and plantation activities using finest equipment. Stringent norms of organic farming make our plantations environment friendly and our products bio worthy.

Travel Services

Opp. HDFC House, Safa Complex, MG Road, Ravipuram, Kochi - 682 016.
Toll Free no.:1800-3000-7007, Ph: 0484 – 4128777, 3028770-79, 0484 - 4028777, Fax: 0484 - 2360762.,
Mob: 9995100111, 9995200111.
Website:www.traveljango.com, e-mail: travelsmart@muthootgroup.com

TravelJango is the travel arm of The Muthoot Group. It is an IATA accredited agency that enjoys prestigious travel sharing memberships with organizations like IAAI, TAAI and TAFI. A broad and intelligent network of service providers which includes 4,200 plus branches of Muthoot Finance and 4 foreign offices makes TravelJango a coveted travel solutions provider.

With TravelJango, you can book tickets on any airlines and avail best offers and discounted fares. We also offer flexible and customized travel insurance and foreign exchange (two additional prominent services under the Muthoot Brand umbrella) alongside our Tour packages and Hotel Booking services. All these services are aimed at aiding and assisting you with your travel.

With our travel and tourism packages you can look forward to an experience that truly rejuvenates and refreshes your spirit and senses. Availing our services ensures that you do not have to worry about ticketing, foreign exchange and bookings. TravelJango services not only facilitate booking of air tickets, but also help you to choose from our set of tour packages, all from the comfort of your home.

Services Provided by TravelJango:

  • International and Domestic Ticketing
  • Tour packages
  • Travel Insurance
  • Foreign Exchange
  • Travel Desk Support and Advice
  • Bus Ticketing
  • Visa

Highlights of Our Service:

  • Lowest fare tickets on international and domestic airlines
  • Visa services and assistance
  • Affordable and best tour packages
  • Hotel booking services across cities
  • Customisable Travel Insurance services
  • Booking of Bus tickets of major bus operators
  • Dedicated call centre with local languages, Hindi & English support

Precious Metals

Muthoot Precious Metals Corporation, Website:www.muthootpreciousmetals.com

New Schemes of MPMC

Muthoot Precious Metals Corporation (MPMC) is the arm of The Muthoot Group that deals in manufacturing and distribution of gold coins/bars/pendants. The division was established in the year 2006. The core objective of MPMC is to facilitate Gold Coins/Bar/Pendants for gifting/investment purposes to suit the needs of a cross section of the society regardless of their financial situations.

We offer Gold coins/bars/pendants at extremely competitive rates. Our wide range of designs and denominations separates us from the other industry players. Our Gold Coins can be purchased from any of our 4200+ Muthoot Finance branches. Our gold coins range from 0.5gm to 60gm suiting all financial needs of our customers. In total, we offer more than 50 deities and denominations of coins and bars. We also offer a number of schemes and plans that enable our customers to purchase large quantities of Gold with EMA (Equal Monthly Advances) and at flexible time periods. Furthermore, the schemes are interest free.

Muthoot Kanaka Vrishty Elite Gold Scheme

A unique plan that allows an individual to participate singly or jointly with any other, the Kanaka Vrishty Elite Gold Scheme is tremendously beneficial. Under this, one is assured the receipt of a gold coin or bars after 3/6/11.20 months at the Prevalent MPMC price by paying 3/6/11.20 equal monthly advances. So if you purchase gold for Rs. 60,000 today, you will be required to pay Rs.20000 or Rs 10000 or 5000 per month for the next 3/6/11.20 months. Price fluctuations in precious metals will not affect the EMA (or the total amount) that you will have to pay.

Click here to learn more about our Kanaka Elite Schemes and Details.

Purchasing Gold Was Never This Easy:

Muthoot Online Gold Purchase is a site that introduces you with ways to erase the constraints of time and place. With gold purchase being facilitated online, at www.muthootpreciousmetals.com, potential buyers now have the opportunity to buy gold at the click of a mouse. The scheme ensures that you get free delivery anywhere in India within three working days from the nearest Muthoot Finance branch. Home delivery is possible in select areas only.

Housing & Infrastructure

Pearl Haven Muthoot, P.B. No. 471, Opp. Womens’ College, Vazhuthacaud P.O., Trivandrum - 695 014.
Ph: 0471 - 2329068 / 2329058 / 2324865 / 2323790. For Marketing dept.:+91 99471 53003
e-mail: muthoot@muthootbuilders.com, Website: www.muthootbuilders.com

The housing and infrastructure wing of the Muthoot Group was established in the year 1988 under the name “Muthoot Builders”. Thereafter, the name was changed to “Muthoot Housing and Infrastructure”. The division is managed by the Joint Managing Director of The Muthoot Group, Shri George Jacob Muthoot.

The Housing and Infrastructure segment of the Muthoot Group has cemented its operations firmly in India. The wing is rapidly expanding into global markets as well. The Housing and Infrastructure division also is in the initial stages of business establishment and operations in the UAE.

Some of our ongoing as well as completed projects are mentioned below:

Completed Projects - Residential

  • The Muthoot Homes, Kudappanakkunnu, Trivandrum
  • Pearl Haven Muthoot Apartments, Vazhuthacaud, Trivandrum
  • The Muthoot Valley Residential Complex at Mukkola, Trivandrum
  • Muthoot Villas, Nalanchira, Trivandrum
  • Muthoot Residency flats at NCC Road, Trivandrum
  • Muthoot Green Valley Apartments, Krishna Nagar, Trivandrum
  • Muthoot Green Valley Mist, Peroorkada, Trivandrum
  • Muthoot Rainbow Apartments, Kamala Gardens – Peroorkada, Trivandrum
  • Muthoot Blue Mount – Paruthipara, Trivandrum
  • Muthoot Dream Springs, Chalakunnu, Kottayam

Completed Projects- Commercial

  • Muthoot Crown Plaza, Kottayam
  • Muthoot Chambers, Kollam
  • Muthoot Chambers, Karunagapally
  • Muthoot Chambers, Kulasekharam, Tamilnadu
  • Muthoot Chambers, Thycaud, Trivandrum.
  • MGM Muthoot Medical Centre, Pathanamthitta
  • Muthoot Cardamom County [Luxury Resort], Thekkady
  • Muthoot Chambers, Kanyakumari
  • Muthoot Chambers, Chavara
  • Muthoot Chambers, Kottarakkara
  • Muthoot Chambers, Pattom
  • Muthoot Chambers – Vizhinjam
  • Muthoot Medical Center – Kozhencherry
  • Muthoot College of Nursing – Kozhencherry
  • Nursing College – Pathanamthitta
  • Muthoot Chambers, Vizhinjam, Trivandrum
  • Staff Quarters, MGM Muthoot Medical Centre, Pathanamthitta,
  • New OT Block, MGM Muthoot Medical Centre, Kozhencherry,
  • New Nursing School, MGM Muthoot Medical Centre, Kozhencherry
  • Two Hostel Floors Extension, MGM Muthoot Medical Centre, Kozhencherry

Ongoing Residential Projects

  • Muthoot Capital View, Nandavanam, Trivandrium
  • Residential Apartments Panampally Nagar, Kochi
Ongoing Commercial Projects
  • New /surgical Block, MGM, Kozhencheery
  • Nursing School New Block, MGM, Kozhencheery
  • Extension to Nursing Hostel at MGM Muthoot Medical Center, Kozhencheery
  • New General ward block for MGM Muthoot Medical Center, Kozhencheery
  • New Nursing College Building at MGM Pathanamthitta
  • CT Scan & Blood Bank Block for MGM, Pathanamthitta
  • Nursing Hostel at MGM Muthoot Medical Center, Pathanamthitta
  • New Commercial Complex at Sakthikulangara, Kollam
  • New Commercial Complex at Kozhencheery
  • Muthoot Chambers, Pallippedika, Kozhencherry
  • Muthoot Chambers, Nagampadam, Kottayam
  • General Ward Block, MGM Muthoot Medical Centre, Kozhencherry
  • Nursing College & Hostel, MGM Muthoot College of Nursing, Pathanamthitta
  • CT, MRI & Blood bank building for MGM Muthoot Medical Centre, Pathanamthitta

Muthoot Housing & Infrastructure also plans to launch its Budget Flats at Mukkola, Trivandrum and luxury apartments at Nandavanam, Trivandrum, as well as five-star Hotels and Resorts at Kochi, Kovalam, Kumarakom, Munnar and Mararikulam.

Wealth Management

Cochin dental care building
2nd floor, near high court
Towards combara, cochin-682018
Ph : 0484-2397332,3250567
Fax : 0484-2394897.
e-mail : mwms@muthootgroup.com

Everyone needs to secure their wealth, finances and family from the innumerable uncertainties that life poses. Mounting pressure, changing lifestyles and soaring expenses only increase the need for wealth management services. The Muthoot Group has tied-up with some of the leading names in the insurance industry to create plans best suited for current markets. All such related activities are handled by Muthoot Insurance Brokers Pvt. Ltd, the wealth management wing of The Muthoot Group. We deal in a number of insurance products such as:

Life Insurance: Life insurance is not a recent concept. However, it has been in the limelight over the past few decades because of the growing uncertainties surrounding life. Life insurance products help you financially secure your dear ones in case you were no longer alive. Our plans help you secure your retirement income, your children’s education or marriage, and long-term commitments along with the financial support, in your absence.

Traditional Plan: Having evaluated specific needs of individual customers, we assist them with Term Plans, Endowment Plans, Children’s Plans or Pension Plans. All these plans fall under the category of “traditional plans” since the purpose is to provide guaranteed savings in addition to life coverage.

New Generation Plans: Innovation is essential for survival. Keeping in line with the changing times and the changing attitudes of the youth, we have developed new Insurance products. Some features of the promising new generation products include shorter premium paying liability, guarantee on returns as well as premium invested, and freedom to choose life coverage or not, along with the basic features of life insurance products.

Retirement Plans: A large number of employees working for PSUs, Public Sector Companies and Private companies devout their lives’ efforts for the welfare of their employers, yet when it’s time to retire, they part without a pension. Pension Plans are designed to provide a secure and regular source of income for working individuals so that when one decides to hang up the ties and suitcase, there is still some money to fall back on. That is why our Wealth Management Service also offers retirement solutions for everyone with special features.

Health Insurance: The changing times and environments demand changes in health insurance plans and policies as well. We cannot ignore the rising cost of medical services that can eat up a considerable volume of our savings. Our health insurance plans help minimize the possibilities of financial liabilities arising due to unexpected expenditure on illnesses. We provide different types of health insurance plans based on the different levels of the covers required along with quality and timely service. We also provide different health insurance Plans suitable for different customer segment including an exclusive plan designed for Senior Citizens.

Please Note: All our life insurance products provide tax benefits as under section 80C/80CCC and sec 10(10) D and health insurance provide tax benefit as per sec 80 D benefits.

Click here to read about our Muthoot Life Guard. Muthoot Life Guard is a one of it's kind life insurance term plan which enables you to insure your life for up to Rs.3 Lakhs at extremely affordable rates.