Key takeaways
Higher gold values may increase the loan amount against eligible gold, subject to applicable LTV limits.
The gold rate today in Kolkata is a base for calculating the final jewellery price, which includes additional charges.
| Price component | Calculation |
|---|---|
| Gold value | Gold rate per gram × net gold weight |
| Making charges | Labour cost for crafting the jewellery |
| Wastage charges | Cost of gold lost during jewellery making |
| GST on gold | 3% of the gold value |
| GST on making charges | 5% of making charges |
| Hallmarking charges | Applicable fee for purity certification |
| Final jewellery price | Gold value + applicable charges and taxes |
The final price may vary by jeweller, design, purity and applicable charges.
Gold prices in Kolkata have risen steadily over the years. Short-term corrections happen, but the overall trend has remained upward.
| Financial year | Average gold rate per 10 grams | Year-on-year change |
|---|---|---|
| 2025–26 | Rs. 1,46,160.00 | +92.70% |
| 2024–25 | Rs. 75,841.87 | +25.10% |
| 2023–24 | Rs. 60,623.95 | +15.00% |
| 2022–23 | Rs. 52,730.77 | +9.90% |
| 2021–22 | Rs. 47,999.25 | -1.50% |
| 2020–21 | Rs. 48,723.22 | +31.60% |
| 2019–20 | Rs. 37,017.91 | +18.70% |
| 2018–19 | Rs. 31,193.41 | +6.50% |
| 2017–18 | Rs. 29,300.08 | -1.20% |
| 2016–17 | Rs. 29,665.28 | +11.80% |
Last updated: 4th October 2026
As gold prices in Kolkata continue to shift with global movements, staying informed can give you an advantage. Check your gold loan eligibility today and find out how much you can borrow.
The method used to calculate gold prices stays the same every day. The factors that influence the calculation keep changing, and as they change, the gold rate in Kolkata moves up or down.
Alongside these market factors, the price you pay or receive also depends on the gold's purity. 24K, 22K, and 18K each carry a different rate and serve a different purpose.
The karat value shows how much pure gold a piece contains. Higher karats mean greater gold purity, which can also influence the gold price today in Kolkata.
| Parameter | 18K Gold | 22K Gold | 24K Gold |
|---|---|---|---|
| Purity | 75% | 91.6% | 99.9% |
| Strength | Highest | High | Lower |
| Common Use | Diamond jewellery and daily wear jewellery | Traditional jewellery | Investment bars and coins |
| Price | Lowest | Higher | Highest |
Choosing between 22K and 24K gold usually comes down to whether the piece is for daily wear or for investment. Track 24 carat gold in Kolkata or today's gold rate in Kolkata for 22 carat before you invest.
Before buying or pledging gold in Kolkata, it is important to verify its purity. Understanding the gold rate in Kolkata can also help you assess the value of your gold. Here are some reliable methods to check purity:
The gold rate today in Kolkata may vary based on factors such as purity, market conditions and demand, so checking the purity of your gold is an important step before determining its value.
Purity is measured in karats, with 24 karat being pure gold. The safest way to confirm it is through BIS hallmark certification, which guarantees the gold meets required quality standards and supports smoother loan approvals.
Have gold at home? Find out how much you can borrow. Check your gold loan eligibility in just a few steps.
Gold prices directly affect the value of gold investments. When gold prices rise, physical gold, Gold Exchange Traded Funds, and Sovereign Gold Bonds generally increase in value. When prices fall, their value may also decline. Physical gold holds cultural and emotional value but requires storage and insurance, ETFs remove storage concerns while tracking market prices, and Sovereign Gold Bonds add fixed interest along with government backing.
The gold rate on the day your gold is assessed sets your loan amount, not last month's rate or the price you originally paid. When gold prices are higher in Kolkata, the same gold supports a larger loan. When prices fall, the eligible amount reduces.
It is advisable to use the gold loan calculator to estimate your eligible amount and interest payable before applying to manage your finances better.
Gold prices in Kolkata have moved today. Check your gold loan eligibility to see how much you can borrow right now.
Your eligible loan amount depends on:
Only the pure gold content is assessed. Stones, enamel, and other decorations on your jewellery are not counted.
The final loan amount depends on the eligible LTV, actual gold purity, and 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.
With Bajaj Finance, you can borrow from Rs. 5,000 to Rs. 2 crore against your gold jewellery, ornaments, and gold coins. The gold loan interest rate starts from 9.50% per annum.
Jewellery and ornaments are accepted between 18-22 karat purity. Gold coins are accepted up to 24 karat purity. Your gold is stored in secure vaults with insurance cover for the entire loan duration.
A few things worth knowing before you apply:
Before applying, check your gold loan eligibility online to understand your borrowing capacity based on today's gold rate in Kolkata, gold purity, and weight.
Ready to unlock the value of your gold? Apply for Bajaj Finance Gold Loan today.
| Gold Rate in Jharkhand | Gold Rate in Bihar | Gold Rate in Odisha |
| Gold Rate in Sikkim | Gold Rate in Meghalaya | Gold Rate in Assam |
| Gold Rate in Chhattisgarh | Gold Rate in Uttar Pradesh | Gold Rate in Madhya Pradesh |
| Gold Rate in Howrah | Gold Rate in Bardhaman | Gold Rate in Kharagpur |
| Gold Rate in Haldia | Gold Rate in Durgapur | Gold Rate in Bankura |
| Gold Rate in Baripada | Gold Rate in Balasore | Gold Rate in Bhadrak |
The gold price in Kolkata fluctuates due to global market trends, economic conditions, and demand-supply dynamics, so it's worth checking before buying or selling.
Gold purchases in Kolkata attract GST on the gold's value plus GST on making charges, both of which should factor into your final cost.
You can check the live gold rate in Kolkata through reliable financial platforms, local jewellers' websites, or the Bajaj Finance app.
It depends on your purpose. 24K is purer but softer, suited to investment, while 22K is more durable and better for daily wear jewellery.
A gold exchange rate calculator estimates your gold's value using its weight, karatage, and the current gold price per gram.
GST rates, global gold prices, and jeweller profit margins together determine how GST affects the final gold price in Kolkata.
Gold rates in Kolkata are broadly similar to other major cities, with only minor differences from local demand, taxes, and transport costs.
The cost of 3 tola gold, about 34.98 grams, varies daily based on the current 22 carat and 24 carat gold rates.
Yes, hallmarked jewellery often costs slightly more, since certified purity commands a premium over uncertified pieces.
The gold rate today in Kolkata varies based on purity and market conditions. For the latest gold price today in Kolkata, check the current 22-carat and 24-carat rates before buying jewellery or investing in gold.
The best time to buy gold in Kolkata depends on your financial goals and market conditions. Instead of timing the market, compare the current gold price today in Kolkata with recent trends and buy when it suits your budget.
Gold rates can vary slightly across Mumbai, Delhi, Chennai and Kolkata due to local demand, taxes, transportation costs and market conditions. However, international gold prices and currency movements influence rates across all cities.
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *
