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22 Carat Gold Rate Today in Patna

Get the latest updates on today's gold rate in Patna for 22 carat gold with Bajaj Finance. Understand the impact of gold rates on gold loans and check your gold loan eligibility today!
Gold Rate Today
22k Gold / 10 gm 
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Understanding the 22 carat gold rate in Patna

The 22 carat gold rate in Patna tells you the current price of gold commonly used to make jewellery. Checking the latest rate helps you estimate jewellery costs before buying. Gold prices change daily due to international market trends, USD-INR movements, import duties and local demand during weddings and festivals.

If you plan to buy gold, compare the current rate with the jewellery’s making charges and applicable taxes to understand the total cost. If you are considering a gold loan, remember that the loan amount depends on your gold’s purity, net weight, assessed value and the applicable loan-to-value (LTV) limit, not just the retail gold rate.

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Key takeaways

Check the latest 22 carat gold price in Patna before buying jewellery or estimating your gold’s value.

  • 22K gold contains 91.6% pure gold and is commonly used to make traditional gold jewellery.
  • Gold prices change daily due to international rates, USD-INR movements, import duties and local demand.
  • The final jewellery cost may include making charges and applicable taxes.
  • Check the BIS hallmark, 916 purity mark and six-character HUID to verify your jewellery’s purity.
  • Bajaj Finance offers gold loans from Rs. 5,000 up to Rs. 2 crore against eligible gold, subject to eligibility and applicable terms. 

Factors that affect the 22 carat gold rate in Patna

The 22 carat gold rate in Patna changes daily due to international gold prices, currency movements, local demand, inflation and government policies. Here are the main factors that affect the price:

  • International gold prices: When global gold prices rise or fall, the 22 carat gold rate in Patna may change accordingly.
  • USD-INR exchange rate: A weaker rupee makes imported gold more expensive, which can increase domestic gold prices.
  • Local demand: Gold buying during weddings and festivals can influence demand and local pricing.
  • Inflation and economic uncertainty: Gold demand may rise during uncertain economic conditions, which can affect prices.
  • Import duties and taxes: Changes in import duties affect gold costs in India, while applicable GST adds to the final purchase cost.

Check the latest 22 carat gold rate in Patna before buying jewellery, as prices can change daily.

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Techniques to check the purity of 22 carat gold in Patna

Before buying 22 carat gold in Patna, check its purity to ensure you know what you are paying for. Here are some ways to verify gold purity:

  • BIS hallmark: Look for the Bureau of Indian Standards (BIS) hallmark, which includes the purity mark and a six-character alphanumeric Hallmark Unique Identification (HUID) code.
  • 22K or 916 marking: Check for the 22K or 916 purity mark, which indicates 91.6% gold purity.
  • HUID verification: Use the BIS CARE app’s “Verify HUID” feature to check the jewellery’s hallmark details.
  • Professional testing: Visit a reputable jeweller or gold testing centre in Patna for a professional purity assessment.

Do not rely on a magnet test or other home methods alone, as they cannot reliably confirm gold purity. Always check the hallmark and verify the HUID before purchasing 22 carat gold.


Pro tip: Once you have verified your gold’s purity, explore its borrowing potential. Check your gold loan eligibility with us to see how much you may be eligible to borrow against your gold, subject to applicable terms.


What is the difference between 18K, 22K and 24K gold in Patna?

Gold purity is measured in karats (K). The higher the karat value, the greater the proportion of pure gold. The 18K, 22K and 24K gold rates in Patna differ because of their purity and gold content.

  • 18K gold: Contains 75% pure gold and 25% other metals. It is commonly used for diamond-studded, designer and everyday jewellery.
  • 22K gold: Contains 91.6% pure gold and is widely used for traditional jewellery.
  • 24K gold: Contains approximately 99.9% pure gold and is commonly used for investment products such as gold coins and bars.

Parameter18K gold22K gold24K gold
Purity75%91.6%99.9%
DurabilityHighestHighLower
Common useDiamond-studded and everyday jewelleryTraditional jewelleryInvestment coins and bars
Price per gramLowestHigherHighest

The gold rate in Patna varies by purity and changes daily. Check the latest rate for your preferred gold type before buying.

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How does the 22 carat gold price in Patna today affect your gold loan amount?

The 22 carat gold price in Patna today helps determine how much you may borrow against your eligible gold jewellery. The final loan amount depends on the gold’s assessed value, purity, net weight and applicable loan-to-value (LTV) limit. The price you originally paid for your jewellery does not determine your loan amount.


What decides your eligible gold loan amount?

Your eligible loan amount depends on:

  • Gold weight: Only the net weight of the gold is considered.
  • Gold purity: The purity of your jewellery affects its assessed value.
  • Applicable gold price: The lender uses the prescribed gold valuation method.
  • Loan-to-value (LTV) limit: RBI guidelines set the maximum loan amount based on the eligible gold value and loan amount.

Stones, enamel and other decorative materials are excluded from the gold weight used for valuation.


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. 

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.


Gold loan basics: What you should know before applying

If you need funds for an upcoming expense, a gold loan lets you borrow against eligible gold jewellery without selling it.

With Bajaj Finance, you can apply for a gold loan ranging from Rs. 5,000 up to Rs. 2 crore, subject to eligibility and applicable terms. The gold loan interest rate starts at 9.50% per annum.

Eligible gold jewellery and ornaments must be between 18-22 karat purity. Gold coins may be accepted up to 24 karat purity, subject to applicable terms. Your pledged gold is stored in secure vaults and covered by insurance during the loan tenure.


Before applying, keep these points in mind:

  • Loan amount: It depends on your gold’s net weight, purity, assessed value and the applicable LTV limit.
  • Gold valuation: Bajaj Finance follows the applicable gold valuation method based on IBJA or a SEBI-regulated commodity exchange prices.
  • KYC documents: You need valid KYC documents as required by the lender.
  • Repayment: Under bullet repayment, both the principal and interest are paid at maturity. Under regular repayment, interest is paid every six months as per the repayment schedule and the principal is paid at maturity.
  • Foreclosure charges: There are no foreclosure charges, subject to applicable terms.

Use the gold loan calculator to estimate your loan amount, or check your gold loan eligibility online before applying.


Know more about gold rates in Indian states and Union Territories  


Gold Rate in Andhra PradeshGold Rate in JharkhandGold Rate in Rajasthan
Gold Rate in ChandigarhGold Rate in KarnatakaGold Rate in Sikkim
Gold Rate in AssamGold Rate in KeralaGold Rate in Tamil Nadu
Gold Rate in BiharGold Rate in DelhiGold Rate in Telangana
Gold Rate in ChhattisgarhGold Rate in MaharashtraGold Rate in Tripura

Know more about gold rates in other cities 


Gold Rate in VadodaraGold Rate in MaduraiGold Rate in Trichy
Gold Rate in ChennaiGold Rate in PuneGold Rate in Vijayawada
Gold Rate in KolkataGold Rate in VisakhapatnamGold Rate in Ludhiana
Gold Rate in AhmedabadGold Rate in SuratGold Rate in Nellore
Gold Rate in HyderabadGold Rate in CoimbatoreGold Rate in Vellore

Latest 22 carat gold price updates for major Indian cities 


22 Carat Gold Rate in Delhi22 Carat Gold Rate in Kalyan22 Carat Gold Rate in Noida
22 Carat Gold Rate in Indore22 Carat Gold Rate in Haryana22 Carat Gold Rate in Varanasi
22 Carat Gold Rate in Gurgaon22 Carat Gold Rate in Bhopal22 Carat Gold Rate in Jaipur
22 Carat Gold Rate in Jalandhar22 Carat Gold Rate in Pondicherry22 Carat Gold Rate in Puri
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Frequently asked questions

Gold Purchase

Gold Price

What constitutes gold purchases in Patna?

Gold purchases in Patna include buying gold jewellery, ornaments, coins and other eligible gold products for personal use, gifting or investment. Buyers should check the current gold rate, purity, BIS hallmark and making charges before purchasing to understand the total cost.

For the current price of 1 gram of 22 Karat gold in Patna, refer to local jewellers or reputable online platforms. Stay informed about market fluctuations to understand the dynamics influencing the price of gold. You can also use our gold rate calculator to get the same.

Check with local jewellers or trusted online sources for the latest information on the price of 10 grams of 22 Karat gold in Patna today. Check the latest gold rate and gold loan rates on our official website.

The 22 carat gold price in Patna is calculated based on international gold rates, rupee-dollar exchange value, import duties, and GST. Local demand, making charges, and jeweller margins also influence the final price you pay.

The 22 carat gold rate in Patna today changes daily depending on global market trends, currency movements, and local demand. Checking live rates from reliable sources helps you get the most accurate and updated price before buying.

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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. *