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Gold Rate per Gram in Kerala Today

Stay up to date with the gold price in Kerala and understand it’s impact on gold loan. Check your gold loan eligibility today and get the best value for your gold.
Gold Rate Today
22k Gold /10 gm
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24k Gold / 10 gm: ₹ --
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Key takeaways

Keep these key points in mind when checking the gold loan rate per gram in Kerala to make informed decisions about buying gold or applying for a gold loan.

  • Check the gold rate in Kerala before buying or selling gold, as prices change with market conditions.
  • Compare 18K, 22K and 24K gold rates to choose the right purity for your needs.
  • International gold prices, currency movements, local demand and jeweller charges can affect the final price.
  • Gold purity and net weight influence the value assessed when applying for a gold loan.

Compare current gold prices, purity and applicable loan terms before making a decision that suits your needs.

How to calculate the total cost of gold jewellery per gram in Kerala

The total cost of a gold jewellery piece in Kerala involves several components on top of the base per gram rate. Here is how the final price is structured:

  • Base price: Per gram gold rate multiplied by the total weight of the jewellery in grams
  • Making charges: Typically 8% to 25% of the base gold value, depending on the jewellery design and store
  • GST on gold value: 3% GST applied on the base gold price
  • GST on making charges: 5% GST applied separately on making charges

Suppose you are buying a 10 gram 22 carat gold necklace in Kerala and the per gram rate is Rs. 6,800: (Rates change daily, the below calculation is only for illustration)


ComponentCalculationAmount
Base gold priceRs. 6,800 x 10gRs. 68,000
Making charges at 12%12% of Rs. 68,000Rs. 8,160
GST on gold at 3%3% of Rs. 68,000Rs. 2,040
GST on making charges at 5%5% of Rs. 8,160Rs. 408
Total cost Rs. 78,608

Last updated: October 2026 


This breakdown helps you compare prices across jewellers in Kerala and ensures you have full clarity on what you are paying per gram. 

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Historical gold rate in Kerala and how it has changed in recent years

The gold price in Kerala per gram has changed over the years due to international gold prices, currency movements, import duties and market demand. Comparing historical rates for 24-carat gold can help buyers understand long-term price trends.


YearPrice: 24K per 10 grams
2025Rs. 1,05,000 to Rs. 1,30,000
2024Rs. 77,000
2023Rs. 65,000
2022Rs. 52,000
2021Rs. 47,000
2020Rs. 48,000
2019Rs. 35,000
2018Rs. 31,000
2017Rs. 29,000

Last updated: October 2026 


Reviewing historical gold prices alongside current market trends can help buyers make informed decisions when planning their gold purchases.


Your gold may help meet your financial needs. Check your gold loan eligibility with Bajaj Finance.

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Which factors affect the gold rate per gram in Kerala?

Several factors influence the gold rate in Kerala per gram. The main ones are:

  • Currency exchange rates: Changes in the value of the Indian Rupee against the U.S. Dollar can affect gold import costs. This can influence the 916 gold rate in Kerala.
  • Government policies and regulations: Changes in import duties, taxes and other government rules can affect gold prices and the amount buyers pay.
  • Economic conditions: Inflation, interest rates and economic uncertainty can influence the demand for gold. When people seek a safe place to store their wealth, gold demand may increase.
  • Global gold prices: Gold prices in international markets affect local rates. When global prices rise or fall, gold prices in Kerala often follow the same trend.

Keeping track of these factors can help buyers understand daily price changes and make informed decisions when purchasing gold in Kerala.


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

Gold purity depends on the amount of pure gold present in a piece of jewellery. The gold price in Kerala per gram varies with purity, with 24K gold generally costing more than 22K and 18K gold.


Gold purityGold contentCommon use
18K gold75%Diamond jewellery and detailed designs
22K gold91.6%Traditional gold jewellery
24K gold99.9%Coins and bars

Last updated: October 2026

Choose gold based on its intended use, purity and budget, and check the applicable rate before making a purchase.


How can I check the purity of gold per gram in Kerala?

BIS Hallmark certification is one of the first things to check when buying gold, as it helps confirm the purity of the jewellery. Here are some other common ways to check gold purity.

1. BIS Hallmark: Look for the BIS logo, purity grade and other required hallmark details on the jewellery. You can also check the gold purity before buying to understand how much pure gold it contains.

2. Acid test: A trained professional applies a testing solution to a small sample of gold and checks its reaction. This method can help estimate purity, but it may damage the item if not performed properly.

3. Electronic testing: Electronic testers assess the metal's properties to estimate its purity. The result depends on the device and testing method used.

4. X-ray fluorescence (XRF) testing: This method examines the metal's composition without damaging the jewellery. Jewellers and testing centres use it to assess gold purity.

5. Gold testing kits: Some kits use a touchstone and testing solutions to help estimate purity. However, home tests may not provide a complete or reliable assessment.

Gold purity affects the value of eligible jewellery during assessment. The gold loan rate per gram in Kerala depends on factors such as the assessed gold value, purity and applicable loan-to-value (LTV) limit. Checking purity can help you understand how your gold may be valued before applying.


Pro tip: Have idle gold lying at home? Turn it into instant funds with a Bajaj Finance Gold Loan today! Apply now 


How does the per-gram gold rate in Kerala affect gold investments?

The per-gram gold rate in Kerala helps investors track price changes and decide when to buy or sell gold. Rising prices may increase the value of existing gold holdings, while falling prices may reduce their market value. For those pledging gold, the gold loan rate per gram in Kerala depends on the assessed gold value, purity and applicable loan-to-value (LTV) limit.

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How do gold prices in Kerala affect gold loans?

Gold prices in Kerala affect the value of gold jewellery pledged for a loan. When assessing your gold, lenders consider its purity and weight, along with the applicable gold valuation benchmark. A higher assessed value may help you qualify for a larger loan, subject to the loan-to-value (LTV) limit. However, the final loan amount is not based on the local retail gold rate alone.


What decides your eligible loan amount?

The loan amount you can get against gold depends on its assessed value, purity and the applicable loan-to-value (LTV) limit. Lenders also follow specific rules when valuing your pledged gold.

Key factors include:

  • Gold purity and net weight: Higher purity and greater eligible gold weight can increase the assessed value.
  • Gold valuation: The lender uses the applicable gold price benchmark to assess your jewellery, not just the local retail rate.
  • LTV limit: The maximum loan amount depends on the eligible LTV slab.
  • Repayment cost: Check the gold loan interest rate and applicable charges before applying.

Before applying, compare your eligible loan amount with your repayment capacity and review the applicable interest rate and charges to make an informed decision.


Gold loan: what you should know before applying

Before applying for a gold loan in Kerala, check the value of your gold and understand the repayment terms. The gold loan rate per gram in Kerala depends on the assessed gold value, purity and applicable valuation rules.

Keep these points in mind:

  • Check gold purity: Jewellery between 18-22 anf coins of 24 karat is eligible, subject to assessment.
  • Understand the loan amount: The eligible amount depends on the net gold weight, assessed value and applicable loan-to-value (LTV) limit.
  • Review interest and charges: Check the interest rate, processing fee and other applicable charges.
  • Plan your repayments: Use the gold loan calculator to estimate interest and plan your repayment.

Review these details before applying so you can choose a loan amount that suits your financial needs and repayment capacity.


 Apply in minutes. Money in account instantly with a Bajaj Finance Gold Loan* 


Please note: Bajaj Finance 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

Gold Purity

Gold Loan

GST

How to calculate the gold price in Kerala per gram?

To calculate the gold price in Kerala per gram, follow these steps:


  1. Check the current international gold rate per ounce.
  2. Convert the rate to Indian Rupees using the current exchange rate.
  3. Divide the converted rate by 31.1035 to get the price per gram.
  4. Add the local taxes and import duties.
  5. Include the jeweller’s making charges.

Using a reliable gold cost calculator can simplify this process and provide accurate results.

Live Gold Rate

The current gold rate in Kerala per gram are subject to daily change. These rates reflect recent market conditions and are influenced by various factors such as international gold prices, currency exchange rates, and local demand. It is essential for buyers to stay updated on these rates to make informed purchasing decisions.

Gold rates differ due to local taxes, transportation costs, and demand-supply differences. Kerala’s strong gold culture can affect pricing, making it slightly different from other states even if global prices are the same.

Not always. While rates are mostly similar, small differences may occur due to local taxes, dealer margins, and transport costs. So, gold prices in Kochi, Trivandrum, and Calicut may vary slightly.

In Kerala, the best gold depends on the purpose. 24K gold is 99.9% pure, making it ideal for investments but too soft for jewellery. 22K gold, containing 91.6% gold mixed with alloys, is more durable and suitable for crafting jewellery. The primary difference between 22K and 24K gold lies in purity and hardness, with 24K being purer and softer, while 22K offers a balance of purity and durability, making it popular for adornments.

Yes, 750 KDM gold is equivalent to 18K gold. The term "750 Gold" indicates that the gold alloy contains 75% pure gold and 25% other metals. In terms of karats, this percentage translates to 18 out of 24 parts being gold, hence 18K. The "KDM" refers to the cadmium used in the soldering process, which is no longer widely used due to health concerns, but the gold purity remains the same.

Yes, the gold rate directly affects gold loan eligibility. A higher gold price means you may get a higher loan amount for the same gold weight, while a lower rate could reduce your eligible amount.

The loan amount you can get per gram of gold depends on its market value, purity and the applicable loan-to-value (LTV) limit. You can estimate it using this formula: Loan per gram = Gold price per gram × Purity factor × LTV percentage. The applicable LTV limit varies by loan amount, so the final eligible amount may differ for each borrower.

No, the gold rate per gram usually does not include GST or making charges. These are added separately when you buy jewellery. The listed rate mainly refers to the base price of 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. *