Ludhiana is one of Punjab's most commercially active cities, with a strong culture of gold buying tied to weddings, festivals like Lohri and Baisakhi, and long-term savings. Gold prices here move daily in response to international markets, rupee-dollar shifts, and import costs. Whether you are planning to buy jewellery or considering a gold loan, understanding what drives these daily changes helps you make better, more timely decisions.
Gold Rate Today in Ludhiana
In summary
- Check today's gold price in Ludhiana before buying gold, selling jewellery, or applying for a gold loan.
- Understand what affects gold prices, including IBJA rates, market trends, the rupee-dollar exchange rate, and taxes.
- Know how today's gold price impacts your gold loan, as your eligible loan amount depends on your gold's value and purity.
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How is the gold price calculated in Ludhiana?
Gold rates in Ludhiana are based on both global and local factors. International gold prices, IBJA benchmark rates, MCX gold prices, the rupee-dollar exchange rate, and government taxes all affect the final gold price.
- IBJA benchmark rates: The Indian Bullion and Jewellers Association (IBJA) publishes daily gold prices that are used by many jewellers and lenders.
- MCX gold prices: Gold prices on the Multi-Commodity Exchange (MCX) show market trends and can indicate how prices may change during the day.
- International gold prices: India imports most of its gold, so changes in global gold prices also affect gold rates in Ludhiana.
- Taxes and GST: Import duty, 3% GST on the gold value, and 5% GST on making charges are added to the final price.
Need funds without selling your gold? Check your gold loan eligibility and discover the loan amount you may be eligible for.
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Historical gold rate in Ludhiana and how it has changed in recent years
Gold prices in Ludhiana have risen significantly over the past decade. The overall direction has been upward, even though short-term dips have occurred during periods of relative economic calm.
| Year | Price:24K per 10 grams |
| 2025 | Rs. 1,05,000 to Rs. 1,30,000 |
| 2024 | Rs. 77,913 |
| 2023 | Rs. 65,330 |
| 2022 | Rs. 52,670 |
| 2021 | Rs. 48,720 |
| 2020 | Rs. 48,651 |
| 2019 | Rs. 35,220 |
| 2018 | Rs. 31,438 |
| 2017 | Rs. 29,667.50 |
Gold prices in Ludhiana have increased significantly over the years. Find out the current value of your gold and check your gold loan eligibility based on today's gold rate.
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What affects the gold rate in Ludhiana today?
The gold rate in Ludhiana changes every day due to several global and local factors.
- International gold prices: Changes in global gold prices directly affect gold rates in Ludhiana.
- USD-INR exchange rate: Since India imports most of its gold, a weaker rupee makes gold more expensive.
- RBI policies: Changes in RBI interest rates can affect the demand for gold.
- Taxes and GST: Import duty, 3% GST on the gold value, and 5% GST on making charges are added to the final price.
- IBJA benchmark rates: Jewellers and lenders use IBJA's daily benchmark prices to decide gold rates.
- MCX gold prices: Gold prices on MCX reflect market trends and may indicate how prices could change during the day.
- Local demand: Demand for gold usually increases during festivals such as Lohri, Baisakhi, and the wedding season, which may lead to slightly higher local prices.
Curious about your loan eligibility? Enter your mobile number to see how much you can get for your gold.
What is the difference between 18K, 22K, and 24K gold?
The karat value is the simplest way to understand gold, it tells you what fraction of the metal is actually pure gold.
- 18K gold is 75% pure gold. The remaining 25% is other metals like copper or silver, making the piece harder and more resistant to everyday wear and scratching.
- 22K , also known as 916 gold contains 91.6% pure gold and is widely used for jewellery due to its balance between purity and durability. In Ludhiana, it is the standard choice for wedding jewellery and traditional ornaments.
24K gold is 99.9% pure gold the highest purity available. It is too soft to be shaped into jewellery but is the preferred form for investment in coins and bars.
Parameter 18K Gold 22K Gold 24K Gold Purity 75% 91.6% 99.9% Strength Highest High Lower Common Use Daily wear and modern designs Traditional jewellery Investment bars and coins Price Lowest Higher Highest
Ways to check gold purity in Ludhiana
Before buying jewellery or pledging gold for a loan in Ludhiana, verifying the gold purity is a step you should not skip. Here are the most commonly used methods:
- BIS hallmark: The most accessible check a stamp on the jewellery that confirms the karat value, the assay centre, and the jeweller's identity.
- Magnifying glass: Examine the piece closely for purity stamps such as 916, 750, or 999, which indicate 22K, 18K, and 24K gold respectively.
- Magnetic test: Pure gold has no magnetic properties. If a piece is attracted to a magnet, it likely contains other metals.
- Nitric acid test: A drop of acid on a small gold sample reveals purity through a chemical reaction. This should only be performed by a trained professional.
- Weight check: Gold is denser than most metals. An unusually light piece for its size may indicate a lower gold content than claimed.
For accurate results before buying, selling, or applying for a gold loan in Ludhiana, visit a certified jeweller or a BIS-accredited assay centre to verify your gold's purity.
Turn your gold into financial support when you need it. Check your gold loan eligibility and know your eligible loan amount in minutes.
How can you calculate the value of your gold?
Knowing your gold's market value before visiting a jeweller or applying for a loan puts you in a much stronger position. The formula is simple:
Gold value formula
Gold value = Gold weight × gold rate per gram
For example, a customer in Ludhiana has 50 grams of 22K gold.
Today's 22K rate is Rs. 12,826 per gram.
50 × Rs. 12,826 = Rs. 6,41,300
This is a market-rate estimate. When applying for a gold loan, a lender will apply an LTV ratio to this value to arrive at your eligible loan amount.
You now know what your gold is worth. The next step is to find out how much you can borrow against it check your gold loan eligibility online.
How do gold rates influence gold investments?
Gold prices in India move every day, and that movement affects the value of every gold-linked product whether you hold physical gold at home, Gold ETFs in a demat account, or Sovereign Gold Bonds in your portfolio.
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How does the gold price in Ludhiana today affect your gold loan amount?
The gold rate applied on the day your gold is assessed sets your loan amount not what you paid for the jewellery years ago and not last week's rate. When prices are higher in Ludhiana, the same piece unlocks a larger loan. When rates fall, the eligible amount comes down proportionally. Today's rate in Ludhiana directly determines how much you can borrow. Check your gold loan eligibility now to see your current limit.
How is gold loan eligibility calculated?
Four things determine how much you can borrow:
- The weight of your gold
- Its purity level
- The applicable gold rate on the day of assessment
- The Loan-to-Value (LTV) ratio
Only the actual gold content is used in the valuation. Stones, enamel, meenakari, and other embellishments are excluded.
The final loan amount also depends on the lower of either the previous day's closing price or the 30-day average closing price published by IBJA or a SEBI-regulated commodity exchange. The LTV ratio must be maintained throughout the loan tenure and may be revised as per RBI guidelines and lender policies.
The loan amount is determined using the applicable LTV ratio, which varies by loan size. To know more, click here.
Have gold sitting at home? Find out in minutes how much you can borrow against it. Check your gold loan eligibility today.
Gold loan basics: What you should know before applying
With Bajaj Finance, you can avail of a gold loan from Rs. 5,000 to Rs. 2 crore against eligible gold jewellery, ornaments, and gold coins. Interest rates start from 9.50% per annum*. Today's gold price in Ludhiana plays an important role in determining the value of your pledged gold and your eligible loan amount.
What you should know before you apply:
- The loan is based on your gold's weight and purity the original purchase price is not a factor
- Bajaj Finance uses the lower of the previous day's closing price or the 30-day average published by IBJA or a SEBI-regulated commodity exchange to value your gold
- One KYC document is all you need Aadhaar card, Voter ID, passport, driving licence, NREGA job card, or letter from the NPR
- You can choose to pay interest monthly, bi-monthly, quarterly, half-yearly, or annually, with the principal settled at end of tenure
- There are no foreclosure charges close the loan early at any time without a penalty
Before applying, use the gold loan calculator to estimate your eligible amount, or check your gold loan eligibility online to understand your borrowing capacity based on today's gold rate in Ludhiana, gold purity, and weight.
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Know more about gold rates in Indian states and Union Territories
Know more about gold rates in other cities
| Gold Rate in Chennai | Gold Rate in Mumbai | Gold Rate in Jalandhar |
| Gold Rate in Coimbatore | Gold Rate in Kolkata | Gold Rate in Agra |
| Gold Rate in Jaipur | Gold Rate in Bengaluru | Gold Rate in Kochi |
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Disclaimer
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *