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Muthoot Finance

Digital Banking Reimagined: Enhancing the Everyday Banking Experience

Industries 

Health and wellness
Consumer App

Services we offered 

โ€ข User research โ€ข UX wireframes
โ€ข UX UI design โ€ข Product thinking

Preview link

Muthoot Finance

OVERVIEW

Muthoot Finance is India's largest gold financing company, renowned for providing business loans secured by gold jewelry to individuals who often lack access to formal credit. With a strong global presence serving over 70 crore customers and 2.5 lakh daily.

Itโ€™s Recognized as Indiaโ€™s No.1 Most Trusted Financial Services Brand for six consecutive years, Muthoot Finance combines decades of expertise with real-time banking solutions, ensuring swift and reliable services to meet evolving customer needs.

Itโ€™s Recognized as Indiaโ€™s No.1 Most Trusted Financial Services Brand for six consecutive years, Muthoot Finance combines decades of expertise with real-time banking solutions, ensuring swift and reliable services to meet evolving customer needs.

Super App for farmers in India with iF Design Award 2024 badge
Super App for farmers in India with iF Design Award 2024 badge and mobile interface
Smartphone displaying the Adani Capital super app for farmers with an iF Design Award 2024 badge.
Smartphone displaying a super app for Indian farmers with an iF Design Award 2024 badge
CHALLENGES

We transformed Muthoot Finance's "Loan at Home" service by fully digitizing the process, allowing users to apply for gold loans without leaving their homes. Traditionally handled offline, the loan process is now streamlinedโ€”users can apply online, and an agent visits their home to collect the gold, complete the required
steps, and finalize the loan approval.

We transformed Muthoot Finance's "Loan at Home" service by fully digitizing the process, allowing users to apply for gold loans without leaving their homes. Traditionally handled offline, the loan process is now streamlinedโ€”users can apply online, and an agent visits their home to collect the gold, complete the required steps, and finalize the loan approval.

We transformed Muthoot Finance's "Loan at Home" service by fully digitizing the process, allowing users to apply for gold loans without leaving their homes. Traditionally handled offline, the loan process is now streamlinedโ€”users can apply online, and an agent visits their home to collect the gold, complete the required steps, and finalize the loan approval.

This shift has made the service more accessible and efficient. Alongside this, we redesigned the homepage, giving it a modern look while significantly improving usability. The updated design not only enhances user engagement but also simplifies navigation for a seamless experience across both the app and website.

App Specific Consideration

Contrasting User Needs

Some users want full control over their health, others just want gentle guidance and we designed for both without making either feel out of place.

Habit Building

Building health habits sounds simple, but in reality most people give up when overwhelmed. The challenge was to design an experience that encourages progress without pressure.

Humanizing Genetics

Non medical professionals find it difficult to interpret complex genetic information. So the main challenge was to help users understand the genetic report without aid.

Contrasting User Needs

Some users want full control over their health, others just want gentle guidance and we designed for both without making either feel out of place.

Habit Building

Building health habits sounds simple, but in reality most people give up when overwhelmed. The challenge was to design an experience that encourages progress without pressure.

Humanizing Genetics

Non medical professionals find it difficult to interpret complex genetic information. So the main challenge was to help users understand the genetic report without aid.

PERSONAS

Aarna is built for two types of users with very different expectations. Developers and AI teams use the platform to run their work and expect the experience to be quick, clear, and free from infrastructure complexity. On the other side, GPU providers use the platform to onboard and manage their resources, where control, reliability, and visibility are critical.

Meet The Users

User Tiers

Level 3

80-95%

Level 2

5-10%

Level 1

1%

Level 1

Research Sponsors

Research Sponsors

Also called as Super Admins, these users have the highest level of access, responsible for global configurations, system-wide setups & all operations.

Also called as Super Admins, these users
have the highest level of access, responsible for global configurations, system-wide setups & all operations.

80-95%

Level 2

Study Admins

Study Admins

They oversee the research and manage study-level operations, including study setup and user management.

They oversee the research and manage study-level operations, including study setup and user management.

Level 3

On-Ground Staff

On-Ground Staff

Operators or hospital staff are responsible for data collection & entry, managing & interacting with subjects at the site level.

Operators or hospital staff are responsible for data collection & entry, managing & interacting with subjects at the site level.

STRATEGY

In the Spry Movement App, the exercise module was one of the biggest and most important modules to crack. The real success of the app was dependent on whether the users would adapt to this way of exercising.

Our Approach

01

From business briefs to product features

Our collaboration with the company's key stakeholders and CXOs was pivotal in transforming business briefs into actionable product features.

02

From business briefs to product features

Our collaboration with the company's key stakeholders and CXOs was pivotal in transforming business briefs into actionable product features.

03

From business briefs to product features

Our collaboration with the company's key stakeholders and CXOs was pivotal in transforming business briefs into actionable product features.

04

From business briefs to product features

Our collaboration with the company's key stakeholders and CXOs was pivotal in transforming business briefs into actionable product features.

05

From business briefs to product features

Our collaboration with the company's key stakeholders and CXOs was pivotal in transforming business briefs into actionable product features.

SOLUTIONS

This dashboard provides Nvidia Cloud Partners admins with a real-time overview of infrastructure health, capacity, and utilization. Key metrics such as GPUs, memory, storage, and CPU usage are surfaced upfront.

Central Infrastructure Monitoring

This dashboard provides Nvidia Cloud Partners admins with a real-time overview of infrastructure health, capacity, and utilization. Key metrics such as GPUs, memory, storage, and CPU usage are surfaced upfront, along with alerts for newly detected resources that require configuration. The goal was to enable quick visibility and faster operational decisions from a single view.

NCP Admin's Overview dashboard displaying server metrics, storage capacity, and GPU usage.

Conducting Usability Tests

The E-sign pledge form feature in the Muthoot Finance app allows users to review all gold loan details, terms, and conditions, and then securely sign the document online. Once the pledge form is E-signed, the loan is approved, and the funds are quickly transferred to the user's account, streamlining the entire loan process.

Task Completion chart showing 30% success rate and 70% error rate
Task completion chart showing a 30% success rate and 70% error rate.
Woman using a laptop and smartphone with a document scanning task list on screen.
Woman using a laptop and smartphone with a digital task list overlay.
Woman using a laptop and smartphone with a task checklist interface in the background.
Woman using a laptop and smartphone with a task list overlay for scanning a document.

Your Credit Health at a
Single Glance

Money Watcher is designed to give users a comprehensive view of their credit health.

Graphic showing credit factors including Credit Mix, 98% Credit Usage, and Credit Age of 2y 1m.
Colorful UI elements displaying Credit Mix, Credit Usage at 98%, and Credit Age of 2 years 1 month.
Colorful UI elements displaying credit usage, credit mix, and credit age statistics.
Colorful UI design elements displaying credit factors including Credit Mix, Credit Usage, and Credit Age.
Money Watcher mobile app interface displaying a credit score of 728 on an iPhone.
Smartphone displaying the Money Watcher app credit score screen with a 728 rating.
Money Watcher mobile app interface displaying a credit score of 728 on an iPhone.
Smartphone displaying the Money Watcher app credit health screen with a score of 728.

Accounts and Cards

The card wallet allows the users easily manage their cards in one place. It provides a clear view of all their cards, with options to view details, set limits, block/unblock cards, and take other essential actions, ensuring a seamless and efficient experience.

Hands holding AU Small Finance Bank Platinum and Gold debit cards with Visa and RuPay logos.
Graphic design showing credit card features: Explore Offers, Tap and Pay, Freeze Card, and Manage Card.
Digital banking app interface showing credit card, tap to pay, freeze card, and manage card options.
Digital banking interface icons for credit card, tap to pay, freeze card, and manage card.
Digital banking app interface showing credit card, tap and pay, freeze card, and manage card features
Mobile app interface for a digital wallet showing a stack of Royale bank cards.
Mobile app interface for a digital wallet showing stacked debit and credit cards.
Mobile app interface showing a digital card wallet with stacked debit and credit cards.
Mobile app interface showing a digital card wallet with stacked Royale bank cards.

A Distinct, Premium Visual Language

The E-sign pledge form feature in the Muthoot Finance app allows users to review all gold loan details, terms, and conditions, and then securely sign the document online. Once the pledge form is E-signed, the loan is approved, and the funds are quickly transferred to the user's account, streamlining the entire loan process.

Smartphone displaying the Boutiqueat e-commerce app homepage with fashion and beauty categories.
Boutiqaat mobile app interface showing product categories and a Max Factor advertisement.
Smartphone displaying the Boutiqaat e-commerce app homepage with product categories and a Max Factor banner.
Exclusive product card displaying a black hair clipper with attachments and a delivery icon.
Black electric hair clipper with attachments displayed on a white product card labeled Exclusive.
Black hair clipper and grooming accessories displayed on a white product card labeled Exclusive.
Mobile app product card displaying a black hair clipper and grooming accessories labeled Exclusive.
Set of white line icons on rounded square buttons including gift, box, heart, wallet, user, plus, cart, and search, with the word CONOGRAPHY in the background.
Grid of white line icons on rounded squares with CONOGRAPHY text in the background.
Iconography set with gift, box, heart, wallet, user, add user, cart, package, and search icons on a brown background.
UI design showing promotional offer cards with a percentage icon and buy-one-get-one-free text.
White promotional banners with a percentage icon and buy 6 get 1 free text on a brown background.
White promotional banner with a percentage icon and buy 6 get 1 free offer text.
UI design of promotional banners with buy-one-get-one-free offers and percentage icons.
Digital wallet interface showing a balance of 120.000 KWD on a cream background with gold lines.
Digital wallet interface displaying a balance of 120.000 KWD with a minimalist design and curved line patterns.
Digital wallet interface showing a balance of 120.000 KWD.
Digital wallet interface displaying a balance of 120.000 KWD
IMPACT

Aarna Networksโ€™ redesigned platform experience has helped fuel strong market traction. The company, a leader in cloud-native orchestration and edge automation, raised approximately $6.7 million in Series A funding from strategic investors including NVIDIA and Exfinity Ventures to accelerate its AI cloud and edge software offerings

The improved usability and product experience have reinforced Aarnaโ€™s position as a differentiated enterprise solution, contributing to wider industry recognition.

Aarna Networksโ€™ redesigned platform experience has helped fuel strong market traction.

Abstract 3D metallic star shape with four curved points on a black background.
Glossy metallic four-pointed star shape on a black background.
Shiny metallic four-pointed star shape on a black background.

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Dark graph paper grid texture with transparent background
Dark graph paper texture with a subtle grid pattern on a transparent background.
Brooks logo in blue text with a stylized running figure icon.
Brooks logo featuring blue text and a stylized running figure.
Brooks logo featuring blue text and a stylized running figure icon.

"Always responsive, organized, and supportive"

Ungrammary has been our UX design partner for the past year. Always responsive, organized, and supportive, they proved to be an efficient design partner who delivered great solutions within a tight schedule. As UX/UI design experts, they have a keen problem-solving attitude and know, how to work with multiple stakeholders within the client organization. We are pleased with how they translated our requirements into high-quality and intuitive product workflows.

Raghu Mohapatra headshot in a circular frame with a light blue background.
Headshot of Raghu Mohapatra smiling against a light blue circular background.
Portrait of Raghu Mohapatra in a circular frame on a blue background.

Raghu Mohapatra

Founding Engineer Aarna Networks

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Western Express Highway, Goregaon East, Mumbai, Maharashtra 400063

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Ungrammary is a leading UX and UI design agency in India, recognized among the top 20 global UX agencies. We specialise in creating intuitive, research-driven digital experiences by combining behavioural analytics, human- computer interaction, and cutting-edge design technology. Our team helps brands build seamless and impactful user experiences that drive engagement and business growth.

Mumbai, 11:33 PMTuesday, November 10

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Let's create something your customers love,

and your business

needs

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Get in touch

Start a project

+91 9136510822*

*Only project-related calls will be entertained.

Jobs & internships

+91 7978551027*

*Only job-related calls will be entertained.

Address

WeWork NESCO IT Park, 10th Floor, Building 4, Nesco IT Park, Western Express Highway, Goregaon East, Mumbai, Maharashtra 400063

Socials

Ungrammary is a leading UX and UI design agency in India, recognized among the top 20 global UX agencies. We specialise in creating intuitive, research-driven digital experiences by combining behavioural analytics, human- computer interaction, and cutting-edge design technology. Our team helps brands build seamless and impactful user experiences that drive engagement and business growth.

Mumbai, 11:33 PMTuesday, November 10

ยฉ  Ungrammary Creatives Private Limited

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and your business

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Get in touch

Start a project

+91 9136510822*

*Only project-related calls will be entertained.

Jobs & internships

+91 7978551027*

*Only job-related calls will be entertained.

Address

WeWork NESCO IT Park, 10th Floor, Building 4, Nesco IT Park,

Western Express Highway, Goregaon East, Mumbai, Maharashtra 400063

Socials

Ungrammary is a leading UX and UI design agency in India, recognized among the top 20 global UX agencies. We specialise in creating intuitive, research-driven digital experiences by combining behavioural analytics, human- computer interaction, and cutting-edge design technology. Our team helps brands build seamless and impactful user experiences that drive engagement and business growth.

Mumbai, 11:33 PMTuesday, November 10

ยฉ  Ungrammary Creatives Private Limited

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