22 Karat Gold Rate Today

The rate of 22 Karat gold depends on factors such as international gold prices, domestic demand, currency fluctuations and purity. Since gold prices change daily, the applicable value of 22 Karat gold can vary from one day to another.
HDFC Bank assesses eligible gold jewellery based on its purity and net weight and determines the loan amount as per applicable valuation norms and RBI guidelines. This means the rate applicable to 22 Karat gold may differ from other karat variants such as 18 Karat, 22 Karat or 24 Karat gold.

The applicable gold rate is influenced by:

• Purity: 22 Karat gold has a defined purity percentage that affects its valuation compared to other karat variants.
• Market gold rate: Domestic and international gold price movements directly affect the daily rate.
• Net weight: The net gold content, rather than the total weight of the jewellery, is considered for valuation.
• Applicable LTV: The eligible loan amount against 22 Karat gold is determined within the applicable Loan-to-Value limits.

Knowing the current rate of 22 Karat gold can help you:

• Track the market value of your gold
• Compare value across different karat types
• Plan how much you may need to borrow
• Decide how much gold you may need to pledge

If you are considering borrowing against your gold, you can use the HDFC Bank Gold Loan Eligibility Calculator to get an indicative estimate before applying. The final loan amount is subject to gold valuation, eligibility and applicable terms.

If you need funds for an eligible financial requirement, a Gold Loan can help you access credit against your 22 Karat gold without selling it. HDFC Bank offers Gold Loan options with flexible repayment structures, including Term Loan, Overdraft and Bullet repayment, subject to the applicable scheme and terms.

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