Muthoot — Interest waiver on the multiple gold loan

Respected Sir/Madam,

With folded hands and a heart heavy with pain, I, humbly reach out to you, not just as a customer, but as the only surviving pillar of a devastated family. This letter is a plea - not for charity, but for humanity.

Over the last few years, our lives have been engulfed in one tragedy after another. My father fought a prolonged and critical illness, and we did everything within our power to keep him alive. We pledged all the gold that my parents had accumulated with love and hope - not for luxury, but for their daughter's wedding, for our family's security.

But fate had other plans. We lost him last year. The trauma of his passing was only the beginning of our downfall. Since then, I have become the only earning member, supporting my ailing mother and my unemployed younger brother, under the crushing weight of multiple loans and EMI burdens.

We had taken the following gold loans with your institution during those desperate times:

Request for Waiver of Interest on Gold Loans

- Loan Number: 02744/MDL/002354
- Loan Number: 02567/MDL/003141
- Loan Number: 02567/MDL/002759
- Loan Number: MHR-693 ' '3, 60, 000 '

Over the past 3'4 years, due to our worsening financial condition, we were unable to pay even the interest. As a result, the total outstanding has grown beyond our ability to repay. However, we are arranging to pay the full principal amount through family support, and sincerely request you to consider a waiver of the accumulated interest, which is the only hope we have of reclaiming our family's most meaningful assets - our pledged gold.

I want to express with deep sadness that I have reached out to the branch manager and local staff, but no one showed any willingness to even listen to my situation. I was told bluntly that the gold would be taken once its value is reached - a response that felt heartless and ruthless, especially in
the face of our genuine crisis.

I am more than willing to submit all supporting documents, including my father's death certificate, hospital discharge summaries, and medical expense records, to show the reality of our situation.

This is not just about gold - it is about memories, dignity, and survival. What my parents collected over a lifetime is at risk of being lost, and we are emotionally shattered by this. Please, I beg you - look at this not from a commercial lens, but from a human one. Sometimes, one act of compassion can save an entire family. I know your company has policies, but even within

Request for Waiver of Interest on Gold Loans policies, there is always room for grace, kindness, and moral leadership.

I appeal to you, to your senior officers, and to your respected MD - please hear this plea. Do not let a family that has already suffered so much lose what little is left of its foundation.
Thanks with folded hands.