Today's gold price in India stands at ₹15,829 per gram for 24 karat gold (99.9% purity), ₹14,510 per gram for 22 karat gold (91.6% purity), and ₹11,872 per gram for 18 karat gold (75% purity).

Today 24 Carat Gold Rate Per Gram in India (INR)

Last Updated: 27 May 2026

Today 22 Carat Gold Rate Per Gram in India (INR)

Last Updated: 27 May 2026

Today 18 Carat Gold Rate Per Gram in India (INR)

Last Updated: 27 May 2026

India's gold rate today has witnessed remarkable momentum, with precious metal prices reaching unprecedented heights in recent months. The domestic gold price India has closely mirrored the global rally, with 24-karat gold touching ₹1,55,290 per 10 grams in early 2026. This surge represents a continuation of the extraordinary performance seen throughout 2025, when gold delivered its highest annual returns since 1979.

Crisis-driven spikes during the 2008 financial crisis, the COVID-19 pandemic, and recent geopolitical tensions have consistently pushed gold higher, reinforcing its status as a reliable inflation hedge for Indian investors.

Gold Rate in India for Last 10 Days (1 Gram)

Last Updated: 27 May 2026

The gold price in India is influenced by a complex interplay of domestic and international factors that create daily price movements. Understanding these determinants helps investors make informed decisions about gold investments and time their purchases effectively.

• International gold prices: Domestic rates closely track global movements. Currency fluctuations, particularly the rupee-dollar exchange rate, significantly impact local pricing. When the rupee weakens against the dollar, the gold rate in India typically increases, making imports more expensive for dealers and consumers alike.
• Central bank policies: Banking institutions, especially the US Federal Reserve's interest rate decisions, directly influence gold demand. Lower interest rates generally boost gold prices as investors seek alternatives to low-yielding fixed deposits and bonds. Conversely, rising rates can dampen gold's appeal as an investment option.
• Geopolitical tensions and economic uncertainty: These drive safe-haven demand, pushing prices higher during periods of instability. Recent conflicts, trade disputes, and global economic concerns have consistently supported gold's upward trajectory.

Domestic factors include:

• Import duties and government policies on gold trade
• Festival seasons and wedding demand patterns
• Monsoon performance is affecting rural purchasing power
• Inflation rates and economic growth indicators

The relationship between the gold rate today in India and gold loans is fundamental to understanding how these financial products work. When the gold price in India fluctuates, it directly affects three crucial aspects of your gold loan: the amount you can borrow, the loan-to-value ratio, and the interest rates offered by lenders.

Gold Rate vs Loan Amount Eligibility

Your loan amount eligibility is directly calculated based on the current gold rate in India and the weight and purity of your gold. The formula is straightforward: the eligible loan amount equals the gold's multiplied by the applicable loan-to-value ratio.

For example, if you possess 50 grams of 22-karat gold and the current gold price in India stands at ₹5,500 per gram, your gold's total value would be ₹2,75,000. Under current regulations, you could potentially borrow up to 75% of this value, which equals ₹2,06,250.

Gold Rate vs Loan-to-Value (LTV)

The loan-to-value ratio represents the percentage of your gold's current value that lenders can offer as a loan amount. This ratio is intrinsically linked to today's gold rate in India because it determines the maximum borrowing limit against your gold collateral.

Currently, the mandates a maximum LTV of 75% for all gold loans. However, the upcoming tiered structure will create different LTV ratios based on loan amounts:

• 85% LTV: For loans up to ₹2.5 lakh
• 80% LTV: For loans between ₹2.5-5 lakh
• 75% LTV: For loans exceeding ₹5 lakh

Gold loans represent one of India's most accessible and efficient borrowing options, particularly when the gold prices in India remain favourable. These secured loans allow you to leverage your gold ornaments, coins, or bars as collateral whilst retaining ownership rights, making them ideal for addressing immediate financial requirements without permanently parting with precious assets.

At current IBJA rates, gold loans offer several distinct advantages over unsecured borrowing options. The collateral-backed nature ensures competitive interest rates, whilst the streamlined approval process can provide funds within 24 hours of application.

Modern gold loan providers like Airtel Finance utilise sophisticated valuation techniques to assess your gold's worth based on:

• Current purity levels (18-22 karat accepted)
• Real-time IBJA pricing reflecting today's rates
• Weight verification using calibrated scales
• Hallmark authentication for quality assurance

Last Updated: 27 May 2026

Note: Gold rates fluctuate throughout the day based on international IBJA conditions, currency exchange rates, and local demand-supply dynamics. The rates shown are indicative and may vary between different jewellers and gold loan providers.

The gold rate in India varies slightly across different cities due to factors such as local taxes, transportation costs, and regional demand patterns. Major metropolitan cities like Mumbai, Delhi, and Bangalore typically reflect the most current IBJA rates, while smaller cities might experience minor variations in pricing structures.

To check real-time gold rates and manage your loan seamlessly, you can use the Airtel App for a convenient digital experience.