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Understanding 19 karat gold purity
19 karat gold contains 19 parts pure gold, with the rest made up of metals like copper, silver, nickel, or zinc, giving it approximately 79.2% purity. Unlike 24 karat gold, which is pure but very soft, this composition makes 19 karat gold stronger and better suited for detailed jewellery designs that need to hold their shape over time.
Techniques to check the purity of 19 carat gold
You can try a few simple things to check gold purity. But for the best results, it is smart to discuss with a jeweller or a gold expert.
- Check for the BIS hallmark – This is the easiest and most reliable method. Look for the BIS logo, the “19K” mark, and the jeweller’s identification number on the jewellery.
- Ask for a purity certificate – Reputed jewellers provide a bill or certificate mentioning weight, karat, and other details to confirm authenticity.
- Do the magnet test – Pure gold is not magnetic. If your jewellery sticks to a magnet, it may contain more alloy than expected.
- Try the float test – Gold should sink in water. If it floats or moves slowly, it may have lower purity.
- Use an acid test (done by a professional) – Jewellers use nitric acid to test the metal’s reaction. This safely confirms whether it is truly 19K.
- Use an electronic gold tester – Many stores use digital machines that instantly show the karat value and purity percentage.
- Get it tested at a BIS-approved centre – For complete assurance, visit a certified testing lab where experts provide an accurate purity report.
So, making sure your 19-carat gold jewellery is real and pure is important before buying or selling gold. You can check for a mark called the BIS hallmark to be sure. Or you can do a test or use a special machine to check.
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How does gold purity affect your gold loan amount?
Your gold's purity and weight play a central role in your eligible gold loan amount. Higher purity gold, such as 22 karat, generally results in a higher loan value compared to lower purity pieces like 19 karat, since the assessed gold content is higher for the same weight. Along with purity, the applicable market rate and LTV limit determine your final eligible amount — as both can change, checking your gold loan eligibility before applying gives you a clearer picture of what you may be offered.
Please note: We also do not simply use today's headline rate. We use whichever is lower between the previous day's closing price or the 30-day average closing price published by IBJA or a SEBI-regulated commodity exchange. This protects you from a sudden price spike inflating things unrealistically. You can pledge your 18-22 karat gold jewellery or ornaments, or gold coins up to 24 karat purity as collateral for our gold loan offering.
The maximum LTV eligible for a loan depends on the loan amount and cannot be more than the limits given. To know more, click here.
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Frequently asked questions
Gold Price
You can check the latest gold rate in India through reliable sources like the Bajaj Finance app and the Bajaj Finance website. Both platforms update gold prices regularly, making it easy for you to stay informed before buying or applying for a gold loan.
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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. *