Live Rates for 22K and 24K Gold across major Indian cities based on global spot prices and market premiums.
*Price Calculation & Disclaimer: Rates are calculated using live international gold spot prices + current USD/INR exchange rate + 9.5% Retail Adjustment (Duty + GST). Prices shown are indicative market rates and may vary. Actual gold loan rates and valuation are subject to the respective lender's terms and conditions at the time of application.
Live prices across 140+ cities in India.
Fetching real-time market data...
* All prices are indicative and based on market data. Actual gold rates in your city may vary among different jewelers and lenders. Gold loan valuations are subject to independent purity verification and lender policies.
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.
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.
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.
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.
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.
Detailed gold loan guides, interest rates, and lender comparisons for your city.