Rose gold is created by combining pure gold with copper, giving it its distinctive pink colour and added durability. Watch how this unique alloy is made, how it differs from yellow and white gold, and why it remains a popular choice for jewellery and everyday wear.
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In summary
- Learn about rose gold and how it is made using gold and copper.
- Understand how rose gold differs from yellow gold and white gold.
- Explore the composition, durability, colour, and common uses of rose gold jewellery.
- Find out how rose gold is valued and the factors that influence its worth.
- Learn about rose gold and its suitability for gold loans.
This page covers what is rose gold, its composition, key characteristics, comparison with other types of gold, and the important factors to know before considering its value for jewellery or financial purposes.
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How rose gold price is calculated in India
The price of rose gold in India is calculated based on the prevailing gold rate, the purity of the gold, alloy composition, and applicable taxes and making charges. Since rose gold is an alloy, its value depends on the percentage of pure gold it contains. 18K rose gold contains 75% pure gold and 25% copper, while 14K rose gold contains 58.5% pure gold and 41.5% copper, making it less expensive than 18K.
Example: If the 24K gold rate is Rs.10,000 per gram, the base gold value of 18K rose gold is approximately Rs.7,500 per gram (75% of Rs.10,000), before adding making charges, GST, and jeweller margins. This is why rose gold prices vary based on purity and final jewellery costs.
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Historical gold rate and past trends
The historical price of rose gold generally follows the trend of standard gold prices because its value is primarily determined by the amount of pure gold in the alloy. However, since rose gold is commonly available in 18K and 14K purity, its market price remains lower than 22K or 24K gold. Changes in international gold prices, currency exchange rates, and domestic taxes also influence rose gold prices over time. Tracking historical rates can help buyers and investors understand long-term price movements before making a purchase.
| Year | Estimated Average 18K Rose Gold Rate (Rs./10 g) | Estimated Average 14K Rose Gold Rate (Rs./10 g) |
|---|---|---|
| 2025 | Rs. 87,750 | Rs. 68,500 |
| 2024 | Rs. 61,500 | Rs. 48,000 |
| 2023 | Rs. 52,250 | Rs. 40,750 |
| 2022 | Rs. 42,000 | Rs. 32,750 |
| 2021 | Rs. 38,000 | Rs. 29,650 |
| 2020 | Rs. 38,000 | Rs. 29,650 |
| 2019 | Rs. 28,500 | Rs. 22,250 |
| 2018 | Rs. 25,250 | Rs. 19,650 |
| 2017 | Rs. 23,750 | Rs. 18,500 |
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Key factors that influence rose gold rates
When you use rose gold as collateral for a loan, its value depends on a few important factors.
- Purity of gold: The karat (K) makes a big difference. For example, 18K rose gold has more pure gold and gets a better value compared to 14K, which has more copper.
- Weight of jewellery: Only the gold portion is considered for valuation, while gemstones or designs are excluded.
- Current gold rate: The gold market rate on the day of your application decides the final value since prices change daily.
- Lender’s policy: Some lenders may offer lower loan-to-value ratios on rose gold. Choosing a trusted option as Bajaj Finance Gold Loan ensures fair valuation and a smooth process.
Difference between rose gold, yellow gold and white gold
Rose gold, yellow gold, and white gold all contain pure gold but differ in their alloy composition, colour, appearance, and durability. Understanding these differences can help you choose the right type of gold jewellery based on your style, daily wear needs, and personal preferences.
| Aspect | Rose Gold | Yellow Gold | White Gold |
| Composition | Gold alloyed with copper and sometimes silver | Gold alloyed with copper and silver | Gold alloyed with nickel, zinc, or palladium |
| Colour | Pinkish hue | Yellow hue | Silver or white hue |
| Durability | Less durable than yellow or white gold | More durable than rose gold, similar to white gold | More durable than rose gold, similar to yellow gold |
| Common purity | 18K (75% gold), 14K (58.3% gold) | 18K (75% gold), 14K (58.3% gold) | 18K (75% gold), 14K (58.3% gold) |
| Popularity | Increasing popularity due to unique colour | Classic choice, traditional | Modern alternative, gaining popularity |
Turn your gold into instant support to handle any expense with ease. Check your gold loan eligibility and access funds when you need them most.
Methods to verify gold purity
Before applying for a loan against rose gold jewellery, it is important to verify its gold purity, as the loan amount depends on the actual gold content and weight. Since rose gold is an alloy made with gold and copper, checking its karatage helps ensure accurate gold purity assessment and fair valuation. You can check gold purity using the following methods:
- Check the BIS hallmark: Look for the BIS hallmark, which confirms the jewellery's authenticity and purity, such as 18K or 14K rose gold.
- Use an XRF analyser: Certified jewellers and lenders use X-ray fluorescence (XRF) analysers to accurately determine the percentage of pure gold without damaging the jewellery.
- Acid testing: A small scratch is tested with a special acid solution to verify the purity of the gold alloy.
- Density testing: The density of the jewellery is measured to identify whether the gold content matches the declared purity.
- Professional valuation: Experienced valuers assess the jewellery's purity, weight, and overall condition before calculating its value.
Lenders perform these verification checks before sanctioning a loan to ensure fair valuation. Choosing a trusted financial institution, such as gold loan from Bajaj Finance, ensures a transparent evaluation process.
How to clean rose gold jewellery?
Rose gold jewellery is durable and easy to maintain, but regular cleaning helps preserve its natural shine and warm pink colour. Since rose gold is made by alloying pure gold with copper and sometimes silver, it may gradually lose its lustre due to exposure to dust, sweat, oils, cosmetics, and everyday wear. Proper cleaning and storage can help keep your jewellery looking its best for years.
Follow these steps to clean rose gold jewellery safely:
- Prepare a cleaning solution: Mix a few drops of mild liquid soap with lukewarm water in a small bowl. Avoid using hot water or strong detergents.
- Soak the jewellery: Place the jewellery in the solution for 15 to 20 minutes to loosen dirt and residue.
- Clean gently: Use a soft-bristled toothbrush or a soft jewellery brush to clean intricate designs, settings, and hard-to-reach areas. Apply light pressure to avoid scratches.
- Rinse thoroughly: Wash the jewellery under clean, lukewarm water to remove any soap residue.
- Dry completely: Pat the jewellery dry with a soft, lint-free microfibre cloth. Allow it to air dry fully before storing it.
Pro tip: Manage planned to urgent expenses with ease. Check your gold loan eligibility now and make your gold work for your needs.
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Impact of rose gold rate on gold loans in India
Rose gold rates do not directly determine gold loan eligibility because Bajaj Finance does not offer Gold Loans against rose gold jewellery. For a Bajaj Finance Gold Loan, eligible collateral includes 18-22 karat gold jewellery and ornaments and gold coins up to 24 karat purity.
What decides your eligible loan amount?
Your eligible gold loan amount depends on:
- Gold weight
- Gold purity
- Applicable gold rate on the day of assessment
- Applicable Loan-to-Value (LTV) ratio
Only the intrinsic value of your gold is considered during valuation. Stones, enamel, pearls, and other embellishments attached to the jewellery are not included.
The final loan amount is calculated based on the eligible LTV ratio, the actual purity of your gold, 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 applicable LTV ratio must be maintained throughout the loan tenure and may be revised in line with RBI guidelines and the lender's policy.
In addition to the eligible loan amount, it is important to check the gold loan interest rate, as it affects your borrowing cost, EMI or repayment amount, and the total cost of the loan. Comparing interest rates and repayment options can help you choose a gold loan that best suits your financial needs.
The loan amount is determined using the applicable LTV ratio, which varies based on the loan amount. 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 are accepted between 18-22 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:
- Your loan amount is based on the weight and purity of your gold, not what you originally paid for it
- Bajaj Finance uses 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
- Only one valid KYC document is required: Aadhaar card, Voter ID, passport, driving licence, NREGA job card, or a letter from the NPR
- 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; you can close the 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, gold purity, and weight.
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Can rose gold be pledged?
Rose gold can be pledged to obtain a gold loan. Most lenders accept rose gold along with other types of gold jewellery as collateral for gold loans. However, the loan amount is determined based on the gold's purity and weight, so it's essential to assess these factors before pledging. Ensure the rose gold meets the lender's criteria for purity and quality. Once evaluated, you can pledge your rose gold to secure a gold loan, providing you with access to funds while retaining ownership of your jewellery.
Please note: Bajaj Finance does not accept rose gold for gold loan. You can only pledge your 18-22 karat gold jewellery to avail a gold loan of up to Rs. 2 crore at low gold loan interest rates and multiple repayment options.
Curious about your loan eligibility? Enter your mobile number to see how much you can get for your gold.
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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. *