22-karat Gold Rate Today

22-karat gold is one of the most preferred forms of gold in India, especially for jewellery. It contains 91.67% pure gold mixed with 8.33% alloy metals like copper, silver, or zinc. These metals make the gold stronger and more durable while maintaining its natural shine and rich yellow tone. 

Pure 24-karat gold, though purer, is too soft for daily wear, which is why 22-karat gold is widely chosen for ornaments and intricate designs. Understanding what 22-karat gold means helps you identify genuine purity, assess fair pricing, and choose jewellery that balances beauty with long-lasting value.

22-karat gold is a popular choice for jewellery because it combines purity, strength, and elegance. Containing 91.67% pure gold mixed with small amounts of alloys, it retains a deep yellow shine while offering the durability needed for everyday wear. Unlike 24-karat gold, which is too soft for detailed designs, 22-karat gold provides the right balance to craft intricate pieces that last.

Its durability and rich tone make it ideal for bridal, festive, and traditional jewellery. Well-made 22-karat pieces can retain their lustre and value for generations, making them cherished heirlooms that blend cultural beauty with lasting quality.

Knowing how to check the purity of 22-karat gold helps you avoid fraud and ensures you get what you pay for. Here are simple and accurate ways to verify if your gold jewellery is genuinely 22-karat:

Check for the BIS Hallmark

Look for the Bureau of Indian Standards (BIS) hallmark on your jewellery. It includes the BIS logo, purity grade (22K916), and a unique HUID number that confirms the gold’s authenticity.

Get an X-Ray Fluorescence (XRF) Test

An XRF test quickly analyses your gold’s composition without causing any damage. This non-destructive method provides accurate results within seconds and is widely used by certified jewellers.

Consider the Fire Assay Method

The fire assay is the most reliable method for testing gold purity. It involves melting a small part of the sample to determine its exact gold content, though it slightly alters the piece.

Use an Electronic Gold Tester

Electronic devices measure the gold’s electrical conductivity to confirm purity. They give instant readings and are a safe option for testing without harming the jewellery.

Try a Density Test

Gold has a density of around 19.3 grams per cubic centimetre, higher than most metals. Measuring your gold’s density using water displacement can help verify if it’s truly 22-karat.

Do an Acid Test (With Caution)

A small drop of nitric acid on a scratched part of the jewellery reveals its purity level. This method should only be done by a professional to avoid damaging your gold.

Conduct a Magnet Test

Gold is non-magnetic, so a real 22-karat piece will not stick to a magnet. If it does, the item likely contains other metals or is not pure gold.

The price of 22-karat gold plays a major role in determining how much you can borrow through a gold loan. Since lenders use your gold’s current market value to calculate the loan amount, higher gold rates increase your eligible loan value, while lower rates reduce it.

When prices rise, you can secure a higher loan-to-value (LTV) ratio without pledging extra jewellery. However, if gold prices drop, the loan amount or eligibility may decrease, and you might need to provide additional collateral. Keeping track of 22-karat gold rates helps you choose the right time to apply and maximise the value of your pledged gold.

The price of 22-karat gold in India changes every day due to local and global market movements. Knowing what drives these changes helps you time your purchases better and make more informed financial decisions:

Global Market Demand

The demand for gold across international markets plays a major role in setting prices in India. When global uncertainty rises, investors buy more gold as a safe asset, pushing prices higher.

USD–INR Exchange Rate

Gold is traded globally in US dollars, so the value of the Indian rupee directly affects domestic gold rates. A weaker rupee makes gold imports costlier, while a stronger rupee can lower prices slightly.

Import Duties and GST

Government-imposed taxes, including import duties and Goods and Services Tax (GST), add to the overall price of gold. Any revision in these rates immediately impacts how much you pay for 22-karat gold.

Local Demand and Seasonal Trends

Festivals, weddings, and auspicious days in India often lead to a surge in gold buying. This increased demand pushes prices up, while slower demand during off-seasons can cause slight drops.

Interest Rates and Inflation

When inflation rises or interest rates fall, investors prefer gold as a safer investment option. This shift in demand increases gold prices both globally and domestically.

Geopolitical Events and Global Stability

Events like wars, political unrest, or financial crises make investors turn to gold for stability. As demand grows during such times, the price of 22-karat gold typically rises.

Mining and Production Costs

The cost of extracting and refining gold also affects market prices. Rising production expenses or reduced mining output can lead to a smaller supply and, in turn, higher prices.

Before buying or investing in 22-karat gold, keep these important points in mind to ensure you get the best value and quality:

Check the Current Gold Rate

Always review the latest 22-karat gold rate to avoid overpaying and make informed buying decisions.

Look for BIS Hallmark Certification

Ensure the jewellery carries a BIS hallmark, confirming its purity and authenticity.

Review Making Charges

Jewellers apply different labour costs for crafting gold pieces, so checking and comparing these rates helps you find better value.

Understand Buyback and Exchange Policies

Ask about resale or exchange terms to know how much value you’ll receive later.

Keep Purchase Receipts Safe

Always store invoices securely as they serve as proof of ownership and purity.

Assess Your Purpose

Decide whether you’re buying for adornment, gifting, or investment, as each goal affects your choice.

Choose Trusted Jewellers

Buy only from reputed jewellers to ensure quality assurance and fair pricing.

The price of 22K gold is calculated based on its purity, weight, and the current market rate of 24K gold. Since 22K gold contains 91.67% pure gold, its price per gram is determined by multiplying the 24K gold rate by 0.9167. This gives the base value for one gram of 22K gold.

To calculate the price for 8 grams or 10 grams, simply multiply the 22K rate per gram by 8 or 10. Jewellers then add making charges, GST, and other applicable costs to arrive at the final selling price. Understanding this calculation helps you assess fair pricing and make confident buying or investment decisions.

Understanding how to calculate the total price of 22-karat gold jewellery helps you know exactly what you’re paying for and prevents overcharging. The final amount depends on four key components: gold value, weight, making charges, and GST.

Here’s how to calculate it step by step:

1. Multiply the current 22K gold rate per gram by the jewellery’s weight to get the base value

2. Include the jeweller’s making charges, usually between 6% and 14% of the gold’s value, to cover craftsmanship and design

3. Add 3% GST on the total of the gold value plus making charges to arrive at the final amount

4. The total cost = (Gold Value + Making Charges) + 3% GST

Making charges on 22-karat gold jewellery are the costs jewellers add for crafting raw gold into finished ornaments. These charges cover labour, design complexity, and the time spent creating each piece.

The rate can vary based on design, workmanship, and market trends—usually between 6% and 14% of the gold’s value. Simple machine-made designs tend to have lower charges, while intricate handcrafted pieces cost more. Understanding making charges helps you compare jewellers, assess the true value of your purchase, and ensure you’re paying a fair and transparent price.