ESAF Small Finance Bank vs Indian Bank Gold Loan · Interest Rate Today
Updated 18 Jul 2026 · per gram at 22K ₹13,135/g
ESF
ESAF Small Finance Bank
10.00%from · p.a.
vs
IB
Indian Bank
8.50%from · p.a.
On a ₹1 lakh gold loan for a year, Indian Bank is the cheaper choice — about ₹1,500 less in interest at today's advertised rates. Bigger loan, bigger the gap.
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Side by side · today
Interest ratep.a. onward
10.00%
8.50%
Loan per gram (22K)at ₹13,135/g
₹11,165
₹11,165
Max LTVRBI cap 85%
85%
85%
Processing feeon loan amount
0.85%
0.25%
Tenurerepayment window
36 mo
3–36 mo
Disbursaltime to cash
Same day
Same day
Lender type
Small Finance Bank
Public bank
Green tick marks the better value in that row. Rates, fees and LTV are the lenders' advertised figures — your actual offer depends on loan size, tenure and valuation. Verify before applying.
ESAF Small Finance Bank gold loanFull rates, per-gram & eligibility
Indian Bank gold loanFull rates, per-gram & eligibility
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ESAF Small Finance Bank vs Indian Bank · FAQs
Which is cheaper, ESAF Small Finance Bank or Indian Bank gold loan?
On a ₹1 lakh loan for a year, Indian Bank works out cheaper by about ₹1,500 in interest at today's advertised rates. Your exact cost depends on loan size, tenure and any processing fee.
How much gold loan per gram do they give?
At today's 22K rate of ₹13,135/g, ESAF Small Finance Bank lends up to about ₹11,165/g (85% LTV) and Indian Bank up to about ₹11,165/g (85% LTV) — before the RBI tier step-down on larger loans.
Do gold loan rates change?
Yes. Both the interest rate and the per-gram loan value move — the rate when the lender revises it, and the per-gram amount daily with the gold price. This page uses today's figures.
Rates, fees and terms are indicative and set by each lender at application — verify with the bank before you apply. RatesToday is not a lender or a SEBI/RBI-registered adviser and is not affiliated with any bank; this is general information, not financial advice.