This page covers today's gold rate in Sirsa, historical gold price trends, the factors that affect daily prices, and how your gold can help you get a gold loan.
The gold rate in Sirsa changes every day based on international gold prices, the USD-INR exchange rate, import duties, taxes, and local demand. Since India imports most of its gold, changes in global prices and currency values directly affect domestic gold rates.
Today's gold rate also determines the value of your gold when buying jewellery, investing, selling, or applying for a gold loan. Tracking daily gold prices helps you understand market trends and make informed financial decisions.
Today’s gold rate in Sirsa is calculated using international gold prices and several domestic factors. Here's how the final gold price is determined:
Making charges: Jewellers add making charges and their own margin to the gold price. These charges vary between jewellers and can result in small differences in the final price you pay.
Most jewellers and lenders in Sirsa use the IBJA daily benchmark as the reference gold price. This keeps gold rates broadly similar across the city, while making charges account for most differences in the final selling price.
Now that you know how the gold price in Sirsa is calculated, let's look at a simple example to understand it better.
Example
Suppose your 22K gold jewellery is valued at Rs. 4,00,000.
If the applicable LTV ratio is 80%, your estimated loan amount may be:
Rs. 4,00,000 × 80% = Rs. 3,20,000
Moreover, the final loan amount depends on the purity of your gold, the applicable gold rate, and the lender's valuation process.
Gold prices in Sirsa have generally increased over the years, although short-term price movements are common. International gold prices, currency exchange rates, inflation, and domestic demand all influence long-term gold price trends.
| Year | 24-carat gold price per 10 grams |
|---|---|
| 2025 | Rs. 1,05,000 to Rs. 1,30,000 |
| 2024 | Rs. 77,000 |
| 2023 | Rs. 65,000 |
| 2022 | Rs. 52,000 |
| 2021 | Rs. 47,000 |
| 2020 | Rs. 48,000 |
| 2019 | Rs. 35,000 |
| 2018 | Rs. 31,000 |
| 2017 | Rs. 29,000 |
Gold rates in Sirsa change every day because of global and domestic market conditions. Understanding these factors can help you make informed decisions before buying gold, investing, or applying for a gold loan.
Your gold can help you meet your financial needs. Check your gold loan eligibility to estimate how much you may be able to borrow.
Gold purity is measured in karats. A higher karat means a higher percentage of pure gold.
| Parameter | 18K Gold | 22K Gold | 24K Gold |
|---|---|---|---|
| Purity | 75% | 91.6% | 99.9% |
| Strength | Highest | High | Lower |
| Common use | Designer jewellery | Traditional jewellery | Coins and bars |
| Price | Lowest | Higher | Highest |
Checking your gold's purity is important before buying jewellery or applying for a gold loan. Here are some common methods for verifying gold purity.
For accurate results, always get your gold tested by a trusted jeweller or a certified gold testing centre.
Have gold at home? Check your gold loan eligibility to estimate how much you may be able to borrow.
You can estimate the current value of your gold using three simple details:
This gives the approximate market value of your gold. The final amount offered for a gold loan depends on the applicable LTV ratio, gold purity, and the lender's valuation process.
Now that you know what your gold is worth, find out how much you can borrow. Check your gold loan eligibility online.
Gold prices directly affect the value of different types of gold investments, including physical gold, Gold ETFs, and Sovereign Gold Bonds (SGBs). When gold prices increase, the value of these investments usually goes up. When prices fall, their value may also decrease. Tracking today's gold rate in Sirsa can help you understand market trends and make informed investment decisions.
The gold rate on the day your gold is assessed plays an important role in determining your eligible loan amount. When gold prices are higher, the value of your pledged gold also increases, which may result in a higher eligible loan amount. If gold prices fall, the eligible loan amount may also reduce.
The final loan amount depends on the applicable Loan-to-Value (LTV) ratio, the purity of your gold, and the lender's valuation process.
Before applying, check your gold loan eligibility to estimate how much you may be able to borrow based on today's gold rate in Sirsa.
Your eligible loan amount depends on the following factors:
Only the intrinsic value of your gold is considered during valuation. Stones and other embellishments attached to the jewellery are not included. The loan amount is determined using the applicable LTV ratio, which varies by loan size.
The final loan amount depends on the applicable LTV ratio, the purity of your gold, and the gold price used for valuation. The valuation is based on 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. The applicable LTV ratio must be maintained throughout the loan tenure and may change as per RBI guidelines and the lender's policy.
The applicable LTV ratio varies based on the loan amount. To know more, click here.
With Bajaj Finance, you can get a gold loan of Rs. 5,000 to Rs. 2 crore by pledging your gold jewellery, ornaments, or gold coins. The gold loan interest rate starts from 9.50% per annum. Gold jewellery and ornaments between 18K and 22K purity are accepted. Gold coins of up to 24K purity are also accepted, subject to the lender's policy. Your pledged gold remains stored in secure vaults and is insured throughout the loan tenure.
Before applying, here are a few important details:
Before applying, use the gold loan calculator to estimate your eligible loan amount or check your gold loan eligibility online based on today's gold rate in Sirsa, your gold's purity, and its weight.
| Gold rate in Andhra Pradesh | Gold rate in Delhi | Gold rate in Tamil Nadu |
| Gold rate in Maharashtra | Gold rate in Karnataka | Gold rate in Kerala |
| Gold rate in Punjab | Gold rate in Rajasthan | Gold rate in Chandigarh |
| Gold rate in Thanjavur | Gold rate in Agartala | Gold rate in Tuticorin |
| Gold rate in Ghazipur | Gold rate in Chitradurga | Gold rate in Junagadh |
| Gold rate in Chiplun | Gold rate in Ghaziabad | Gold rate in Khammam |
Section | Parameter | Applicable Details |
Eligibility Criteria | Gold purity accepted | 18-22 Karat for jewellery and ornaments |
24 karat for gold coins | ||
Eligible collateral types | Gold ornaments, jewellery, and coins | |
Eligible limit for each collateral type | Ornaments | Total pledged weight across all loans must not exceed 1 kilogram |
Gold coins | The total weight of gold coins pledged cannot be more than 50 grams. | |
Gold Jewellery | As per maximum loan amount. | |
Overall exposure limit | The total loan exposure across ornaments, jewellery, and gold coins together must not exceed the maximum loan limit of Rs. 2 crore. | |
Collateral protection
| Any loss, damage, or discrepancy in the quantity or purity of your pledged gold identified during audit, return, or auction will be recorded and promptly communicated to you or your legal heirs. The reimbursement or compensation process, as per company policy and SOP, will be clearly explained. Delays in collateral release due to lender fault will attract compensation of ₹5,000 per day. | |
Gold loan renewal | Renewal parameter | You can request renewal of your gold loan before maturity if it remains in standard status and within permissible LTV limits. This facility is available only to existing customers. For bullet repayment loans, accrued interest must be cleared. Renewals are subject to credit checks, fresh applicable charges, and are not allowed after maturity. |
Gold loan top up | Top up parameter | Top-up is allowed before maturity, subject to regulatory LTV limits, credit assessment, and customer eligibility. Fresh fees and charges apply. Top-up after maturity is not permitted, even if dues are outstanding. Top up facility is available only to existing users. |
LTV (Loan to Value) | For loans up to Rs.2.5 lakh | 85% |
For loans between more than Rs.2.5 lakh to Rs.5 lakh | 80% | |
For loans from more than Rs. 5lakh to Rs. 2 crore | 75% | |
Gold Value | Evaluation parameter | As per the latest guidelines, gold loans are offered against specific purity of gold jewellery, ornaments and gold coins, valued using lower of the average closing price for your gold's specific purity over the last 30 days or the previous day's closing price, as published by IBJA or a SEBI-regulated commodity exchange, within prescribed limits and subject to KYC and timely repayment. |
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *
