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IBJA benchmark rate

Gold Rate Today

The latest gold rate published by the India Bullion and Jewellers Association (IBJA), per gram and per 10 grams for every purity — the same benchmark our gold loan calculator uses.

Today's closing rateIBJA · 14 October 2026

22K (916) gold · per gram

₹13,380

₹1,33,795 per 10 grams

▼ ₹142 per gram since the previous close

Gold rate by purity

IBJA gold rate by purity, 14 October 2026
PurityPer gramPer 10 gramsChange per 10 g
24K (999)₹14,606₹1,46,064▼ ₹1,553
23K (995)₹14,548₹1,45,479—
22K (916)₹13,380₹1,33,795▼ ₹1,422
18K (750)₹10,955₹1,09,548▼ ₹1,165
14K (585)₹8,545₹85,447▼ ₹909

Source: IBJA closing rates. They exclude GST, making charges and jeweller's margin, so they are lower than a retail price for jewellery.

22K gold rate trend

Last 30 days

Axis starts at the 30-day low, not zero.

How the gold rate affects your gold loan

A lender values your gold from its weight and purity, using a benchmark like this one rather than a jeweller's retail price. A gold loan is then a share of that value — the loan-to-value ratio, or LTV. When the rate rises, the same jewellery can support a larger loan; when it falls, a smaller one.

To estimate it yourself, multiply the net weight of your gold in grams by the rate for its purity, then by the LTV. Net weight means the gold alone — stones and other attachments are deducted. Our gold loan calculator does this for you with today's rate.

How much can your gold get you?

Enter your gold's weight and purity and see an estimate at today's rate. It is free and takes a minute.

Open the gold loan calculator

Gold rate questions

What is the IBJA gold rate?

IBJA is the India Bullion and Jewellers Association. It publishes benchmark rates for gold of each purity — 999, 995, 916, 750 and 585 — that the trade and many lenders refer to. This page shows IBJA's closing rate.

Why is this rate different from my jeweller's price?

The IBJA rate is a benchmark. It does not include GST, making charges or the jeweller's own margin, all of which are added to the price you pay for jewellery. A lender values your gold by reference to the benchmark, not the retail price.

How often is the rate updated?

Once a day, after IBJA publishes its closing rate in the evening. Until then the page shows the previous closing rate and says so at the top, with its date.

What do 24K, 22K and 18K mean?

Karat is how pure the gold is. 24K (999) is about 99.9% gold, 23K (995) about 99.5%, 22K (916) about 91.6%, 18K (750) 75% and 14K (585) 58.5%. Most Indian jewellery is 22K. Check the hallmark on your piece to see its purity.

Which rate is used to work out my gold loan?

Our calculator uses this closing rate for the purity you pick, with a 75% loan-to-value basis, to estimate what your gold can borrow. Each lender then values your gold on its own terms, so the offer you receive can differ from the estimate.

More answers on our gold loan FAQs page.