The gold rate in Patna is shaped by factors such as international bullion prices, exchange rate fluctuations, import duties, and local market demand. Since gold prices directly influence the value of gold jewellery and coins, changes in the rate can also affect the amount available against a gold loan. Understanding these drivers can help you better evaluate gold price movements and their impact.
Gold Rate Today in Patna
In summary
- Check the gold rate in Patna today before buying jewellery, investing, or taking a gold loan.
- Gold rates are available for 18K, 22K, and 24K purity levels.
- Prices change daily due to market trends, GST, rupee movement, and local demand.
- Higher gold prices may increase your gold loan value.
This page covers today's gold rate in Patna, historical price trends, factors affecting prices, and how you can unlock value from your gold through a gold loan.
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How gold price calculation works in Patna
The gold rate you see in Patna isn't a single number. It is calculated in stages, starting from the international gold price and adjusted for domestic factors before reaching the retail market. Here's how today's gold rate is determined:
- Start with the international price: Gold is traded globally in US dollars per troy ounce. This serves as the base price.
- Convert to Indian rupees: The international price is converted using the prevailing USD-INR exchange rate. A weaker rupee increases the cost of imported gold.
- Convert to grams and apply purity: The price is converted from per ounce to per gram and adjusted according to gold purity. For example, 24K gold is based on 99.9% purity, while 22K gold is based on 91.6% purity.
- Add import duty: Since India imports most of its gold, the applicable import duty is added to the base price.
- Add GST: A 3% GST is levied on the gold value, while a 5% GST is applied to the making charges for jewellery.
- Add making charges and jeweller's margin: The final retail price includes the cost of craftsmanship, design, and the jeweller's margin.
Most jewellers and lenders in Patna use the daily benchmark prices published by the Indian Bullion and Jewellers Association (IBJA) as the reference for international pricing, currency conversion, and purity calculations. The main difference in the final price across jewellers usually comes from making charges and their individual margins.
Get the value your gold deserves. Check your gold loan eligibility and see how much you can avail based on purity and weight.
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Historical gold rate in Patna and how have they changed in recent years
Historical gold rates in Patna have generally followed the broader trend of gold prices in India. Although short-term fluctuations occur due to economic and market conditions, gold prices have shown long-term growth over the years.
| 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 |
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What affects gold rates in Patna today?
Gold rates in Patna can change throughout the year due to domestic and global market developments. The most important factors include:
- International gold prices: Gold is traded globally. Any increase or decrease in international gold prices directly affects gold rates in Patna.
- USD-INR exchange rates: India imports a significant portion of its gold. When the Indian rupee weakens against the US dollar, imported gold becomes more expensive.
- RBI monetary policy: Interest rate decisions and monetary policy measures announced by the RBI can influence investor demand for gold and other asset classes.
- Import duties and GST: Import duties, 3% GST on the gold value, and 5% GST on making charges affect the final price consumers pay for gold in Patna.
- IBJA benchmark gold rates: The Indian Bullion and Jewellers Association (IBJA) publishes benchmark gold rate in Patna that are widely used across the gold industry.
- MCX gold trading trends: Gold futures traded on the Multi-Commodity Exchange (MCX) provide signals about market sentiment and future price expectations.
Local demand in Patna: Gold demand often rises during wedding seasons, festivals, religious occasions, or peak jewellery buying periods. Higher demand can contribute to local price movements.
Your gold could help you meet your financial needs. Check your gold loan eligibility and get an estimate based on your jewellery.
What is the difference between 18K, 22K and 24K gold?
Gold purity is measured in karats. Higher karat values indicate a higher proportion of pure gold.
- 18K gold contains 75% pure gold and 25% other metals. It is commonly used for diamond-studded and designer jewellery.
- 22K gold contains 91.6% pure gold and is widely used for jewellery due to its balance between purity and durability.
24K gold contains 99.9% pure gold and is generally preferred for investment purposes such as gold coins and bars.
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 Higher Higher Highest
Ways to check gold purity in Patna
Ensuring the purity of gold is essential for individuals purchasing gold in Patna. Here are some techniques commonly used to check gold purity:
- BIS Hallmark: Confirms that the gold has been tested for purity and includes details such as the purity grade, hallmarking centre, and the jeweller's identification mark.
- Acid tests: Use acid solutions to observe the reaction of gold, indicating its purity.
- X-ray fluorescence spectrometers: Analyse the composition of gold using X-rays for accurate purity readings.
- Electronic gold testers: Utilise electrical conductivity to quickly assess gold purity.
- Assay testing: Certified assayers melt gold samples to determine purity accurately.
- Density testing: Measure gold density to calculate purity by comparing it with the density of pure gold.
By understanding these techniques, individuals in Patna can confidently assess the quality of their gold jewellery.
Have gold at home? Find out how much you can borrow. Check your gold loan eligibility in just a few steps.
How can you calculate the value of your gold?
The value of gold depends on three key factors:
- Gold weight
- Gold purity
- Current gold rate
Gold value formula
Gold Value = Gold Weight × Current Gold Rate
Example gold value calculation
Suppose a customer in Patna owns:
50 grams of 22K gold
Current 22K gold rate: Rs. 13,129.90 per gram
Estimated gold value:
50 × Rs. 13,129.90 = Rs. 6,56,495
This calculation provides an estimate of the current value of your gold based on prevailing market rates.
If you want to know how much loan amount your gold may support, the next step is to estimate your gold loan eligibility.
Choosing the best gold investment option in Patna
Gold rates influence the value of physical gold, Gold ETFs, and Sovereign Gold Bonds (SGBs). While these products differ in structure, their performance is linked to movements in gold prices. Investors often monitor daily gold rates before purchasing jewellery, investing in Gold ETFs, or evaluating the value of existing gold holdings.
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How gold prices affect gold loans in Patna
This is the part that matters most if you are considering a gold loan: the applicable gold rate on the day your gold is assessed decides your loan amount, not last month's rate or what you originally paid for the gold. A higher rate today means a higher loan amount against the same gold. A lower rate means a lower eligible loan amount.
What decides your eligible loan amount?
Gold loan eligibility depends on:
- How much does your gold weigh
- How pure it is
- Applicable gold price
- The Loan-to-Value (LTV) ratio
Stones, enamel, or any decoration on your jewellery does not count towards your loan value. Only the actual gold content is assessed.
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.
Please note that the maximum LTV eligible for a loan depends on the loan amount and cannot be more than the prescribed limits. To know more, click here.
Gold loan basics: What you should know before applying
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 between 18 and 22 karat purity are accepted, while gold coins up to 24 karat purity are also accepted. Your pledged gold is stored in secure vaults with insurance cover for the entire loan tenure.
A few things worth knowing before you apply for a gold loan:
- Your loan amount is based on the weight and purity of your gold, not what you originally paid for it.
- Bajaj Finance considers the lower of the previous day's closing price or the 30-day average closing price published by IBJA or a SEBI-regulated commodity exchange to evaluate the loan amount against your gold jewellery, ornaments, or coins.
- Only one valid KYC document is required, such as an Aadhaar card, Voter ID card, passport, driving licence, NREGA job card, or a letter issued by the National Population Registration. A PAN card is required only for gold loans of Rs. 5,000 or above.
- You can repay interest monthly, bi-monthly, quarterly, half-yearly, or annually, with the principal settled at the end of the tenure.
- There are no foreclosure charges, so you can close your loan early without any 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 Patna, your gold purity, and its 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 Chiplun | Gold rate in Ghaziabad | Gold rate in Khammam |
| Gold rate in Gwalior | Gold rate in Kanpur | Gold rate in Panipat |
| Gold rate in Panvel | Gold rate in Gandhinagar | Gold rate in Yamunanagar |
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000