Ratti vs Karat vs Gram: Understanding Gold Measurement Units

Ratti is a traditional Indian unit of mass derived from the gunja seed. Two standards are common today:

• Jeweller’s (sunari) Ratti: 1 Ratti = 0.1215 grams
  

• Pakki Ratti (astrological use): 1 Ratti ≈ 0.182 grams

Both appear in jewellery and gemstone trade. Confirm which standard your jeweller or valuer follows. For quick reference, 1 Ratti gold in gram is either 0.1215 g (jeweller’s) or ≈0.182 g (Pakki).

For example, 5 Ratti equals ≈0.6075 g (5 × 0.1215) or ≈0.91 g (5 × 0.182)

Karat is a globally standardised unit for measuring gemstone mass, where 1 karat equals 0.2 grams.

In contrast, Ratti measurements differ slightly depending on the standard used.

• Using the jeweller’s Ratti (0.1215 g):

1 Ratti = 0.1215 ÷ 0.2 = 0.6075 karat

• Using the Pakki Ratti (0.182 g):

1 Ratti = 0.182 ÷ 0.2 = 0.91 karat

For example, a gemstone weighing 5 Rattis would be approximately 3.04 karats (jeweller’s) or 4.55 karats (Pakki).

Tip: For consistent valuation, always check which standard your jeweller or appraiser follows before performing a gold Ratti to gram conversion.

Understanding the conversion between Ratti and gram helps ensure correct valuation during gold or gemstone transactions.

The value of 1 Ratti in gram depends on which standard you use:

• Jeweller’s (Sunari) Ratti: 1 Ratti = 0.1215 grams
  

• Pakki Ratti (Astrological use): 1 Ratti = 0.182 grams

So, when calculating total weight, multiply the number of Rattis by the corresponding conversion factor.

For example, If a gold ornament weighs 10 Rattis, it equals either 1.215 grams (jeweller’s standard) or 1.82 grams (Pakki standard).

Tip: Always confirm the Ratti type your jeweller uses before performing any conversion. Using the wrong factor can affect your valuation and price estimate.

The price of gold per Ratti varies depending on the daily market rate, city, and purity level (22K or 24K).
Since Ratti is not an SI unit, gold dealers typically convert it to grams to calculate its value accurately.

Use this simple formula for estimating price:

Gold price per Ratti = Current gold rate per gram × Ratti-to-gram conversion

For example, if the 24K gold rate is ₹6,200 per gram:

• 1 Ratti (0.1215 g) = ₹6,200 × 0.1215 = ₹754
  

• 1 Ratti (0.182 g) = ₹6,200 × 0.182 = ₹1,128

Disclaimer: Gold prices fluctuate daily based on market trends and location. Always check the latest city-wise rate before making any purchase or valuation.

Gold rates in India fluctuate daily due to global and domestic market factors. These include international gold prices, currency movements, import duties, and local demand. The rate also varies between 22K and 24K purity.

• 24K gold is considered pure gold and used mainly for investment
  

• 22K gold contains a small alloy percentage, making it suitable for jewellery
  

To estimate a gold item’s value, multiply its weight in grams by the current per-gram rate of the desired purity. For example, when the 24K gold rate is ₹6,200 per gram, a 5-gram item is valued at ₹31,000 before making or processing charges.

Note: Gold rates vary slightly across cities due to local taxes, logistics, and regional demand. Always check the latest live rate before purchase or valuation.

A gold loan is a secured form of credit where your gold jewellery is pledged as collateral. The loan amount depends on the purity, weight, and current market value of the gold.

Key Features

• Loan-to-Value (LTV) ratio

Most lenders offer up to 75% of the gold’s market value

• Valuation method

Gold is tested for purity (usually 18K–24K) and weighed in grams

• Tenure

Typically ranges from a few months to three years

• Repayment options

Borrowers can choose EMIs, interest-only payments, or bullet repayment

Understanding the weight and purity of your gold through accurate gold Ratti to gram conversion ensures correct valuation during loan processing.

Disclaimer: Gold loan interest rates, LTV ratios, and repayment terms vary by lender. Always check the latest policy before applying.

The loan amount you can receive per gram of gold depends on the gold’s purity, market price, and lender’s LTV policy.

Use this simplified formula to estimate:

Gold loan per gram = (Current gold rate per gram × LTV%) × (Purity factor)

For example, if the 22K gold rate is ₹5,700 per gram and the LTV ratio is 75%: 

₹5,700 × 75% = ₹4,275 per gram (approx.)

Factors Affecting Gold Loan Per Gram

• Purity of gold

Higher purity means higher valuation 

• Current market rate

Increases or decreases based on global gold prices affects Gold Loan Per Gram.

• Lender policy

Some lenders may offer slightly higher LTV ratios for smaller loans.

Note: These figures are indicative. Actual loan amounts vary depending on the lender’s valuation and market conditions.