ESAF Small Finance Bank - Personal Banking, NRI Banking, Micro-Banking Services
Due to scheduled maintenance activities, there may be intermittent service interruptions to our Internet and Mobile Banking Services on 21st March 2026 between 12:00:00 AM and 03:00:00 AM IST, and ESAF UPI, BBPS services may be interrupted intermittently on 20th March 2026 between 01:00:00 AM and 06:00:00 AM IST. Inconvenience caused, if any, is deeply regretted.|As per NPCI guidelines, the RuPay Platinum Debit Lounge Program will be discontinued with effect from 1st April 2026. For more details, kindly contact your branch.
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    Calculate Your Gold Loan Eligibility

    Attention: If gold ornaments contain stones, diamonds, or other non-gold materials, please substract their weight from the total weight before entering the value above. Only enter the NET GOLD WEIGHT for accurate loan calculation.

    Example: If your necklace weighs 50g total but has 5g of stones, enter only 45g (50g - 5g = 45g net gold weight).

    Congratulations!

    You are eligible for ₹ 0

    Rate of Interest
    6.8% p.a.
    Rate per Gram
    ₹ 14,820

    Unlock the True Value of
    Your Gold with ESAF Small Finance Bank

    At ESAF Small Finance Bank, we understand the value of your gold and your need for quick financial assistance. Our Gold Loan services are designed to provide you with a seamless, secure, and transparent borrowing experience. With competitive interest rates, minimal documentation, and instant loan approval, we ensure that you get the best value for your gold without any hassle.

    With our Instant Gold Loan facility, you can turn your idle gold ornaments into liquid cash in minutes, backed by trust of a bank that cares about your progress.

    ESAF Gold Loan Value

    Who is Eligible for
    Gold Loan?

    Indian Citizen

    Minimum age: 18 years

    Must own gold ornaments as collateral

    What documents are required
    to avail gold loan?

    Identification Proof
    (Aadhaar Card, PAN Card or Passport)

    Proof of Agriculture in case of
    Agri-Gold Loans

    Our USPs:

    Higher
    per gram rates*

    Low interest rates
    with no hidden charges*

    Instant sanction &
    Hassle-Free Processing

    Convenient
    repayment options

    Minimal paperwork
    and quick disbursement

    Can be availed for personal,
    business & agricultural
    purposes

    *Terms and conditions apply. Credit at the discretion of ESAF Small Finance Bank.

    Frequently Asked Questions-Gold Loans

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