Key takeaways
The gold rate in Haldia depends on international gold prices and several factors in India. The main factors are:
Now that you know how the gold price in Haldia is calculated, let's look at a simple example to understand it better.
Illustrative 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 Haldia have gone up over the years. They can go up or down in the short term. Global gold prices, exchange rates, inflation and the demand for gold, in the area all influence the price of gold over time.
| 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 |
The gold rate today in Haldia changes with global and domestic market conditions. Understanding these factors helps you make informed decisions when 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. Before buying, compare the 22 carat gold rate today in Haldia with the 24 karat gold price today in Haldia based on how you plan to use the 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. Along with checking the gold rate today in Haldia, customers can use several methods to verify the purity of gold.
For accurate results, get your gold tested by a trusted jeweller or 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 your gold's value using its weight, purity, and today's gold price in Haldia. Knowing the approximate value of your gold can help you make informed decisions before selling your gold or applying for a gold loan.
To calculate the value of your gold:
Multiply the gold weight by the applicable gold rate per gram.
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 Haldia 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.
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 or ornaments 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 18-22 karat purity are accepted. Gold coins of up to 24 karat 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 the gold price today in Haldia, your gold's purity, and its weight.
Ready to unlock the value of your gold? Apply for Bajaj Finance Gold Loan today.
The price of 1 gram of 22K gold in Haldia depends on the day's gold rate. To find the per-gram price, divide the 10-gram 22K gold rate by 10. Jewellery costs can also include GST and making charges.
The 22K gold rate in Haldia is based on international gold prices, the USD-INR exchange rate, import duties, taxes and local market conditions. The price is then adjusted for 22K purity, which contains 91.6% pure gold.
22K gold is commonly used for jewellery because it contains 91.6% pure gold while being stronger than 24K gold. 24K gold, which contains 99.9% pure gold, is mainly used for coins and bars.
KDM gold in Haldia refers to gold that is alloyed with cadmium. KDM stands for "Cadmium-soldered Gold," indicating that cadmium is used in the soldering process to join pieces of gold jewellery. This method allows for a precise and strong bond, resulting in durable and intricate designs. However, due to health and environmental concerns associated with cadmium, its use has declined, and alternative soldering materials like zinc and copper are becoming more popular. KDM gold is still recognised for its craftsmanship and quality.
You can track the daily gold rate in Haldia by checking updated 22K and 24K gold prices online. Gold rates are updated regularly based on international gold prices, the USD-INR exchange rate, taxes, and local market demand.
Today's gold price in Haldia changes regularly based on market conditions and varies for 22K and 24K gold. Check the latest gold rate before buying gold, investing, or applying for a gold loan.
Hallmarked gold can help verify purity, which is an important factor in gold valuation. However, the loan amount in Haldia depends on the gold’s purity, net weight, assessed value, and applicable LTV limit, rather than hallmarking alone.
Bajaj Finance Limited (BFL) has the sole and absolute discretion, without assigning any reason to accept or reject any application as per BFL policy. *
