Gold
Gold Rate Today & Gold Investment Guide (India)
Enter the current 24K gold rate in your city to see 22K and 18K equivalents, then project what your gold holding could be worth.
We do not publish a live price feed. Gold rates change through the day and vary by city, so enter today's 24K rate from your local bullion association, bank or jeweller below — every number on this page updates from it.
Gold rate & return calculator
Invested today
₹95,000
Value after 10 years
₹2,24,900
Total gain
₹1,29,900
| Purity | Rate / gram | Rate / 10 gram |
|---|---|---|
| 24K (99.9%) | ₹9,500 | ₹95,000 |
| 22K (916 hallmark) | ₹8,702 | ₹87,020 |
| 18K (75%) | ₹7,125 | ₹71,250 |
Purity conversions are the standard 91.6% and 75% ratios of the 24K rate. Jewellery counters add GST and making charges on top.
Ways to invest in gold in India
Sovereign Gold Bond (SGB)
- Cost:
- Nil (0% expense)
- Extra return:
- 2.5% annual interest
- Lock-in:
- 8 years (exit from year 5)
- Tax:
- Gains exempt at maturity
- Best for:
- Long-term, buy-and-hold investors
Gold ETF
- Cost:
- 0.4-0.8% expense ratio
- Extra return:
- None
- Lock-in:
- None — sell any market day
- Tax:
- 12.5% LTCG after 24 months
- Best for:
- Liquidity and demat holders
Gold mutual fund (FoF)
- Cost:
- 0.5-1.0% total
- Extra return:
- SIP from ₹100
- Lock-in:
- None (exit load up to 1%)
- Tax:
- 12.5% LTCG after 24 months
- Best for:
- Monthly SIP without a demat account
Digital gold
- Cost:
- 3% GST + 2-6% spread
- Extra return:
- Convertible to coins
- Lock-in:
- Usually 5 years storage
- Tax:
- 12.5% LTCG after 24 months
- Best for:
- Very small ticket buying
Jewellery
- Cost:
- 8-25% making charges + 3% GST
- Extra return:
- Wearable
- Lock-in:
- None
- Tax:
- 12.5% LTCG after 24 months
- Best for:
- Consumption, not investment
Gold vs equity SIP: how much should you hold?
Over long periods, Indian equity indices have compounded faster than gold, but gold tends to hold up in the years equity falls. A common allocation is 5-15% of the portfolio in gold, rebalanced once a year, with the rest in equity and debt. If you are building a goal-based corpus, size the equity SIP first and treat gold as the hedge on top.