LIVE MARKET DATA

Today's Live Gold Price

Live Rates for 22K and 24K Gold across major Indian cities based on global spot prices and market premiums.

22K Gold Average*

₹-
per gram

24K Gold Average*

₹-
per gram

Max Loan Value*

₹-
per 10g (approx)

*Price Calculation: Rates are calculated using live international gold spot prices (XAU/USD) + current USD/INR exchange rate + 15% import duty, GST, and retail markup. Actual retail prices may vary by ±₹50-100/gram based on jeweller, city, and making charges. For loan purposes, lenders typically offer 70-75% of current market value.

City Wise Gold Rates

Compare gold prices across 17+ cities in India.

Updated: --:--

Fetching real-time market data...

Understanding Gold Prices in India

Gold prices in India are influenced by several factors, including international market trends, the USD-INR exchange rate, and local import duties. In India, gold is often categorized into 22K and 24K, each serving different purposes in jewelry and investment.

22K vs 24K Gold: The Difference

24K Gold is 99.9% pure and is the softest form of gold. It is typically used for gold bars and coins for investment purposes. 22K Gold contains 91.6% gold mixed with other metals like copper or zinc to add durability, making it ideal for jewelry.

Factors Affecting Gold Rates

  • Global Markets: Being a globally traded commodity, events in the US and Europe directly impact gold prices in India.
  • Currency Fluctuations: Since gold is bought in US Dollars internationally, a weaker Rupee (INR) makes gold more expensive in India.
  • RBI Policies: Central bank reserves and monetary policies play a crucial role in price stability.
  • Seasonal Demand: Wedding seasons and festivals like Diwali see a surge in demand, often leading to slightly higher premiums.

Gold Price and Loan Valuation

When you apply for a gold loan, lenders calculate the loan amount based on the current market price (LTV or Loan-to-Value ratio). Usually, RBI allows up to 75% of the gold's value as a loan. Knowing today's price helps you estimate your borrowing power.

How Daily Gold Prices Affect Your Loan Value

Gold loans are **LTV (Loan-to-Value)** based. When global gold rates fluctuate, the **per-gram rate** offered by leading lenders also shifts. A higher 24K gold price directly increases your borrowing power.

Valuation Tip

Always check the 22K price for jewelry loans, as ornaments are rarely 24K pure. Most lenders value jewelry at 22K or 20K purity levels depending on the hallmarking.

Gold Loan Support by City

Detailed gold loan guides, interest rates, and lender comparisons for your city.